Death of the breadwinner is one of the „old” social risks. Benefit addressing this risk is survivor’s pension. Originally it was a benefit for widows and their children. Due to changes in family structure and labor market changes the scope of beneficiaries became wider covering widowers as well as - due to increasing divorce rate – more than one surviving spouses. Changes in other social security segments like sickness insurance or old age pension insurance should be coordinated with survivor’s pension system. In Poland it is not always the case and reforms addressing these discrepancies are necessary.
PL
Artykuł przedstawia historię renty rodzinnej w Polsce, regulacje prawne dotyczące tego świadczenia, powiązania renty rodzinnej z innymi świadczeniami z systemu zabezpieczenia społecznego oraz dochodem z pracy, a także różne dane statystyczne związane z tym świadczeniem. Analiza danych o rentach rodzinnych pobieranych w Polsce wraz z wcześniej przytoczonymi rozwiązaniami prawnymi oraz wskazanymi dotychczas nierozwiązanymi problemami pozwoliła autorce na sformułowanie wniosków dotyczących kierunków zmian w systemie ubezpieczeń społecznych, ze szczególnym uwzględnieniem rent rodzinnych.
W 2012 roku wzrosła składka przypisana brutto w prawie wszystkich grupach ubezpieczeń na życie oraz majątkowych i osobowych. Wzrost kwoty odszkodowań i świadczeń był nieco niższy. Wszystkie zakłady ubezpieczeń spełniały wymóg pokrycia marginesu wypłacalności/kapitału gwarancyjnego środkami własnymi oraz wymóg w zakresie pokrycia rezerw techniczno-ubezpieczeniowych aktywami. Po analizie wszystkich wskaźników finansowych, można stwierdzić, że sytuacja finansowa sektora ubezpieczeń, zarówno działu I, jak II, w 2012 roku w Polsce była stabilna i uległa nieznacznej poprawie w stosunku do roku poprzedniego.
EN
In 2012, the gross written premium in almost all groups of life as well as property and personal insurance. Growth of the amount of damages and benefits was a little bit lower. All the insurance companies met the requirement of coverage of the solvency margin, guarantee capital with equities as well as the requirement of coverage of technical and insurance reserves with assets. Having analysed all financial indices, one may ascertain that the financial standing of the sector of insurance both of the section I and II, in 2012, was in Poland stable, and it insignificantly improved vis-à-vis the previous year.
Old-age pension security in Poland has undergone numerous changes of varying character over the last 25 years. Its most significant part, comprising active workers outside agriculture, was affected by the largest number of regulations, beginning with terminology. Since 1999 universal pension system has been part of pension insurance. During the first years of the political transformation the previous old-age pension system was being reorganized. While the pay-as-you-go financing model was maintained, a new method of calculating pensions, one preserving redistribution, was introduced. Automatic indexation (at first using a wage index, which was replaced by a price index in 1996) and limitation of privileges of certain professional groups were implemented. The social security reform, initiated in 1999, did not initially include all the elements of the pension system. Aside from the pay-as-you-go scheme, it introduced a funded pension scheme, obligatory only forpart of the insured. Over 15 years the issue of calculating and payment of pensions has not been settled. Starting in 2011 many assumptions of the reform were revised: contributions were reduced, the retirement age of men and women was equalized and increased, although in a 30-year perspective, and finally, voluntary participation in the capital pillar of the old-age pension system was introduced. This is not the end of changes, especially in light of the expected low replacement rate in the future which, given lack of redistribution, will negatively affect the insured persons with lower than average incomes.
Death of the breadwinner is one of the „old” social risks. Benefit addressing this risk is survivor’s pension. Originally it was a benefit for widows and their children. Due to changes in family structure and labor market changes the scope of beneficiaries became wider covering widowers as well as - due to increasing divorce rate – more than one surviving spouses. Changes in other social security segments like sickness insurance or old age pension insurance should be coordinated with survivor’s pension system. In Poland it is not always the case and reforms addressing these discrepancies are necessary.
The article presents the economic and social conditions of the implementation of the 1999 reform in the pension system. Particular attention was given to the issue of financing, that is, the implementation of funded component and the individualization of eligibility.
PL
Artykuł prezentuje uwarunkowania ekonomiczne i społeczne wprowadzenia reformy systemu emerytalnego w 1999 r., skupiając się szczególnie na kwestii finansowania, czyli wprowadzeniu elementu kapitałowego do systemu emerytalnego oraz indywidualizacji uprawnień.
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