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Alternative methods of ensuring welfare in old age

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The Lawyer Quarterly
|
2017
|
vol. 7
|
issue 4
292-296
EN
Alternative methods of ensuring welfare in old age is one of so called ‘frequently asked questions’. Many people are interested in this topic and there are also many different opinions, ‘guaranteed’ recommendations as well as many myths or misinterpretations within the society. The article presents the summary of mostly mentioned methods (complementary pension savings, creation of savings, building savings, insurance products, immovable property for one’s own residence, investment in children) and gives a brief evaluating commentary to each of them (advantages, disadvantages) coming from the author’s experience gained during his activity within the Ministry of Labour and Social Affairs.
EN
The author proposes a technique of calculating the postulated minimum upper limit of the productive age, which uses potential demography methods. The technique is based on the postulate that the total number of years to live after the productive age for the whole population should not be higher than the total years to live in the productive age. This method accounts for both the length of the life expectancy and the population age structure. The minimum upper limit of the productive age is the highest for the population with a long life expectancy and high age dependency ratio. The results obtained using this technique for calculations in all European Union member states were compared and related to the statutory pension ages.
PL
Celem artykułu jest wskazanie na wybrane procesy demograficzne, których konsekwencje mają i będą mieć w przyszłości zasadniczy wpływ na funkcjonowanie państw europejskich. Znaczenie poszczególnych krajów związane jest bezpośrednio z ich potencjałem demograficznym, którego wielkość ulega gwałtownym zmianom w ostatnich latach. Prawidłowa diagnoza występujących problemów demograficznych wymaga zastosowania właściwych narzędzi poznawczych służących do ich opisu. Do wyjaśnienia zachodzących współcześnie procesów demograficznych autor zastosował nie tylko klasycznie stosowane narzędzia demograficzne, ale wykorzystał również inne rzadziej wykorzystywane metody m.in. metody demografii potencjalnej. Porównując poszczególne państwa europejskie uwypuklono różnice w zakresie ich potencjalnych zdolności do reprodukcji, wielkości obciążenia demograficznego czy zaawansowania procesów starzenia się populacji. Zaproponowano również miarę, która może stanowić punkt odniesienia przy wyznaczaniu ustawowego wieku przejścia na emeryturę. Aktualne prognozy demograficzne wskazują na niekorzystne perspektywy rozwoju demograficznego dla wielu państw europejskich oraz dla całego kontynentu.
EN
The aim of the article is to indicate selected demographic processes, their consequences and how they will have a major future impact on the functioning of the European countries. The importance of individual countries is directly connected to their demographic potential, the size of which has been changing rapidly in recent years. A proper diagnosis of the existing demographic problems requires the use of appropriate cognitive tools for their description. To explain the ongoing contemporary demographic processes the author applied not only conventionally used demographic tools, but also used other less frequently used approaches among other methods of potential demography. Comparing different European countries highlights the differences in terms of their potential ability to reproduce, the size of the demographic burden or advanced aging populations. The author proposed a measure which may be a reference point in determining the statutory retirement age. Current demographic projections indicate that adverse demographic prospects for many European countries and for the whole continent.
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