OCHRONA RYZYKA STAROŚCI A ODRZUCONE PARADYGMATY SPOŁECZNEGO UBEZPIECZENIA EMERYTALNEGO

• Authors: Urszula Kalina-Prasznic

Title variants

EN

Retirement Risks and Neglected Patterns of Social Protection

• Languages of publication: PL

Abstracts

EN

The superannuation system introduced in Poland in 1999 has largely limited the constitutional right of individuals to social security after retirement as it lacks primary features (paradigms) of social insurance. In the first pillar insurance scheme (repartition scheme), some of the superannuation insurance paradigms have been retained (including solidarity and redistribution). However, new elements such as individual accounts (with contribution payments record) or defined contribution payments have grossly reduced the retirement risk protection turning the superannuation insurance compulsory saving scheme. The second pillar insurance scheme (capital scheme), by definition, is not a typical social insurance. It is based on the system of compulsory individual investments where a number of risks, including both individual risk (biotic risk) and general risk (market, political etc.), are imposed on its members and social solidarity effects are eliminated.

Keywords

EN

Pension systems; risk of longevity; repartition scheme; capital scheme; defined benefit; defined contribution

• Publisher: Institute of Labor and Social Studies, Warsaw
• Journal: Polityka Społeczna
• Year: 2011
• Volume: 38
• Issue: 4(445)
• Pages: 7-11

Contributors

author

Urszula Kalina-Prasznic

• Uniwersytet Wrocławski