Should the retirement age be raised

Discussion about longer working life : What comes after retirement at 67?

If the political events rest between the years, this is a good opportunity to hit the headlines. The new employer president Rainer Dulger still has to make himself known on the Berlin stage and likes to strike a brisk note. "If our life expectancy continues to rise, our working life must inevitably also increase," said Dulger these days to the German press agency. So retire at 70?

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The pension at 67, which the Bundestag decided in 2007, is currently still being implemented. The retirement age is increasing step by step, those born between 1964 and 67 have to work. It will stay that way for the time being. The pension commission, which presented its report in March of last year, avoided a proposal on the entry age. The trade unions and the SPD were strictly against it, because that would be a "huge injustice", as the DGB thinks, because many employees do not make it to the age of 65 or even 67 today. The slogan “We are all getting older” is not true, because “life expectancy rises particularly strongly for those on the sunny side of life”, according to the DGB. The malochers in trade and industry, on the other hand, or highly stressed care workers who did not make it to the statutory retirement age would have to live with pension cuts.

The level is certain by 2025

The statutory pension will not drop below 48 percent by 2025 - the grand coalition has agreed on this. The pension level describes the percentage ratio of the net pension of a so-called standard pensioner (pensioner with 45 years of contribution as the average earner) to the current net income of an average earner. As part of the agenda, the red-green government decided to lower the level to 46 percent in 2020 and 43 percent (2030). The SPD pushed through the holding line of 48 percent in the coalition negotiations three years ago.

Squaring the circle

But how long does it last? The coalition has also committed itself to a maximum social security contribution rate of 40 percent by the end of this legislative period. The contributions to pension, unemployment, health and long-term care insurance should never rise above this, because an even higher burden on the labor factor would be bad for competitiveness. That is the squaring of the circle: Longer pension payments, stable pension level with unchanged working life as well as constant subsidy from the tax fund for pension insurance - these do not go together. The next government will have to deal with pensions. Employer President Dulger knows that and brings up the topic at the beginning of the election year.

Baby boomers are retiring

"In the coming years the baby boomer generation will retire and the pressure on our social security systems will increase due to this demographic change", argues Dulger and concludes: "There is no alternative but to reduce the costs of an aging society are distributed over the generations - because this is the only way to maintain long-term trust in the statutory pension. ”According to the Federal Statistical Office, the life expectancy of women in this country is currently 83.4 years, men live on average 78.6 years old.

The DGB put the stabilization of the pension level at the top of its political agenda for the 2017 federal election. The unions will do that again now. "It is also clear that the standard retirement age must not rise." Nothing has changed in this position of the employee representatives.

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