Towards a New Role for Occupational Pensions in Continental Europe: Elements and Techniques of Solidarity Used within Funded Occupational Pension Schemes

Stevens, Yves; Gieselink, Gerhard; Buggenhout, Bea Van

doi:10.1023/a:1016516427426

Cited by 6 publications

(4 citation statements)

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“…Extending the superannuation umbrella to cover these groups amounts to enfranchising otherwise marginalized sections of society at a time in their lives when they become even more vulnerable. The retirement gap is also a significant human rights and social protection issue that has the potential to embarrass governments (Borowski,1987;Stevens et al, 2002;Szablewska & Kubacki, 2018). Creating cost effective solutions that do not produce disincentives for employers and are capable of being sold to the electorate will present an ongoing challenge for governments, companies and superannuation funds (Ganegoda & Evans, 2017).…”

Section: Discussionmentioning

confidence: 99%

“…Other researchers see this situation mainly in terms of its social protection aspect, given that the burden seem thrown disproportionately on those least able to shoulder it (Stevens et al, 2002). Another issue is that pension funds driven by the desire to produce good results, can squander members investments through unwise or risky investments.…”

Section: Comparisons With Other Countriesmentioning

confidence: 99%

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Using social marketing to improve retirement funding for women in Australia and other countries

Shaw,

Khan,

Bandara

2023

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The objective of this study is to highlight the superannuation industry in Australia as an exemplar and then compare this to other countries. To this end, an overview of the literature in the field considers various countries and their approaches. What emerges is that profound inequities in retirement funding will continue unless policies change. Superannuation tends to work well for males who are employed full time but less well for females in general and other groups such as the long-term unemployed, self-employed, contractors, transient populations, indigenous and people with illness and addictions. Having entire cohorts of citizens cascade into poverty upon retirement is a political embarrassment and a human rights issue. This is effectively a wicked problem that can be addressed by well-designed proactive social marketing and redesigned government and industry policy. Governments and industry should work together to find a way to augment the retirement plans of females and other marginalized groups.

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Section: Discussionmentioning

confidence: 99%

Section: Comparisons With Other Countriesmentioning

confidence: 99%

Using social marketing to improve retirement funding for women in Australia and other countries

Shaw,

Khan,

Bandara

2023

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“…There are nonetheless significant policy implications from the general shift in the industrialised world away from state provision and towards private arrangements (Pedersen 2004). Some policy analysts have argued that it is not so much private engagement per se which is at odds with social inclusion for citizens at risk; rather, much depends on the type of private-sector involvement and the nature of the continuing relationship between state and non-state providers (Bridgen and Meyer 2007; Hyde, Dixon and Drover 2003; Stevens, Gieselink and Van Buggenhout 2002). Non-state provision that involves employers organising and supporting risk-pooling in an effective way, and including citizens on moderate incomes, sometimes as a result of government regulation, can be an effective welfare tool.…”

Section: Occupational Provision and Pensions' Reformmentioning

confidence: 99%

Class, gender and chance: the social division of welfare and occupational pensions in the United Kingdom

Meyer

Bridgen

2008

Ageing and Society

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The social division of welfare literature emphasises the extent to which occupational-pension provision is distributed on the basis of class and gender. As most previous commentators have at least implicitly recognised, however, a significant proportion of less advantaged people are covered. This paper argues that the patterns of access and their distributional consequences must be considered more systematically, and that in this context, the diversity of employers' pension schemes are investigated. When this is done, it emerges that in the United Kingdom, the spread of occupational provision beyond the most privileged workers means that some vulnerable individuals avoid poverty in retirement. At the same time, however, the main determinant of which less advantaged people are covered and which not is chance. While class and gender are important predictors of who receives occupational pensions, access for the disadvantaged arises mainly as an accident of an employment decision made for reasons unrelated to savings or pensions criteria. This paper argues that the implication is that unsustainable justice-based arguments are currently used by policy makers to sanction the current distribution of UK pension incomes. The paper concludes by discussing the implications of the findings for the appropriateness of recent UK policy proposals and for international debates about pension reform.

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“…However, the picture is not entirely rosy for amenity seeking retirement migrants, in later old age some fall into financial difficulties. Sole reliance on non contributory first tier pensions, means not only a limited income in retirement, but also can effectively deny However, Stevens, Gieseelink and Van Buggenhout (2002) argue that the strong tradition of public contributory schemes is now giving way and a new pensions order is emerging in continental Europe in which increasing numbers will be reliant on individualised occupational and private pensions (i.e. second and third tier) for an adequate level of social security in old age.…”

Section: The Importance Of a Migrant's Past Relationship With The Paimentioning

confidence: 99%

The Social Security Rights of Older International Migrants in the European Union

Dwyer¹,

Papadimitriou²

2006

Journal of Ethnic and Migration Studies

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Union. AbstractEurope is now home to a significant and diverse population of older international migrants. Social and demographic changes have forced the issue of social security in old age onto the European social policy agenda in the last decade. In spite of an increased interest in the financial wellbeing of older people, many retired international migrants who are legally resident in the European Union face structured disadvantages. It is argued that four linked factors are of particular importance in shaping the pension rights and levels of financial provision available to individual older migrants; migration history, socio-legal status, past relationship to the paid labour market and location within a particular EU Member State. Building on a typology of older migrants originally outlined by Warnes et al (2004) the paper outlines the ways in which policy at both the European Union and Member State levels serves to diminish rather than enhance the social security rights of certain older international. migrants.

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Towards a New Role for Occupational Pensions in Continental Europe: Elements and Techniques of Solidarity Used within Funded Occupational Pension Schemes

Cited by 6 publications

References 0 publications

Using social marketing to improve retirement funding for women in Australia and other countries

Using social marketing to improve retirement funding for women in Australia and other countries

Class, gender and chance: the social division of welfare and occupational pensions in the United Kingdom

The Social Security Rights of Older International Migrants in the European Union

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