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“They do know what they are doing... at least most of them.” Asymmetric Information in the (private) Disability Insurance
Spindler, Martin - Munich Center for the Economics of Aging (MEA) at the … - 2013
In this paper we analyze asymmetric information in the (private) disability insurance, which has not been analyzed before in the literature, but covers one of the most important risks faced by individuals in modern society, namely the loss of human capital. We show that there is asymmetric...
Persistent link: https://www.econbiz.de/10010675812
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Asymmetric Information in the Market for Automobile Insurance: Evidence from Germany
Spindler, Martin; Winter, Joachim; Hagmayer, Steffen - Munich Center for the Economics of Aging (MEA) at the … - 2012
Asymmetric information is an important phenomenon in insurance markets, but the empirical evidence on the extent of adverse selection and moral hazard is mixed. Because of its implications for pricing, contract design, and regulation, it is crucial to test for asymmetric information in specic...
Persistent link: https://www.econbiz.de/10010603538
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Savings motives and the effectiveness of tax incentives – an analysis based on the demand for life insurance in Germany
Sommer, Mathias - Munich Center for the Economics of Aging (MEA) at the … - 2007
pension system. Only high income households who face lower replacement rates from the public pension system do not increase … increases the demand for term life insurance but households with children do not accumulate higher levels of life insurance … not increasing in the degree of income inequality though and only partly significant. Finally, we find households with …
Persistent link: https://www.econbiz.de/10005434913
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Pension Reform in Germany: The Impact on Retirement Decisions
Börsch-Supan, Axel; Berkel, Barbara - Munich Center for the Economics of Aging (MEA) at the … - 2004
The paper examines the long-term implications of various reform options on retirement entry decisions and the actual retirement age of older workers. It focuses on the changes in pension legislation since 1992 and the reform options discussed by the German Social Security Reform Commission...
Persistent link: https://www.econbiz.de/10005265257
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Faire Abschläge in der gesetzlichen Rentenversicherung
Axel Börsch-Supan.de - Munich Center for the Economics of Aging (MEA) at the … - 2004
Die Kontroverse über die „richtigen“ Zu- und Abschläge in der GRV beginnt mit mehreren Begriffsverwirrungen. Dies betrifft vor allem die Begriffe „versicherungsmathematisch fair“, „versicherungsmathematisch neutral“ und „anreizkompatibel“. Nur...
Persistent link: https://www.econbiz.de/10005265279
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Die Kosten der Riester-Rente im Vergleich
Gasche, Martin; Bucher-Koenen, Tabea; Haupt, Marlene; … - Munich Center for the Economics of Aging (MEA) at the … - 2013
Die Kosten von 36 klassischen Riester-Rentenversicherungen werden anhand von Kostenkennziffern für verschiedene Sparertypen und Verzinsungsannahmen in den unterschiedlichen Phasen der Vertragslaufzeit miteinander verglichen. Es gibt sehr günstige und sehr teure Verträge. Die große...
Persistent link: https://www.econbiz.de/10010839715
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Take a chance on me – Can the Swedish premium pension serve as a role model for Germany’s Riester scheme?
Haupt, Marlene; Kluth, Sebastian - Munich Center for the Economics of Aging (MEA) at the … - 2013
In the course of the ongoing debate regarding the critique of the German Riester pension the Swedish premium pension has often been referred to as a role model regarding potential amendments and reforms. The Swedish pension reform of 1998 has led to a reorganization towards a stratified scheme,...
Persistent link: https://www.econbiz.de/10010839717
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Social Security and the Interactions Between Aggregate and Idiosyncratic Risk
Harenberg, Daniel; Ludwig, Alexander - Munich Center for the Economics of Aging (MEA) at the … - 2014
the form of a countercyclical variance of idiosyncratic income risk. The other indirectly emerges over a household’s life …
Persistent link: https://www.econbiz.de/10010754842
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Ersatzraten in der Gesetzlichen Rentenversicherung
Kluth, Sebastian; Gasche, Martin - Munich Center for the Economics of Aging (MEA) at the … - 2013
Eine Ersatzrate gibt an, wie viel Prozent des Erwerbseinkommens durch die Rente ersetzt werden und soll damit etwas über das Versorgungsniveau im Alter aussagen. Bei der „klassischen Ersatzrate“ wird die Rente ins Verhältnis zum letzten vor der Rente verdienten Einkommen gesetzt. Häufig...
Persistent link: https://www.econbiz.de/10010754845
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Rentner und Rentnerinnen im deutschen Sozialversicherungssystem: Beitragsleistungen und Leistungsbezug
Gasche, Martin - Munich Center for the Economics of Aging (MEA) at the … - 2010
Rentner sind zum einen Empfänger von Rentenzahlungen sowie von Kranken- und Pflegeversicherungsleistungen. Zum anderen sind sie aber auch Beitragszahler in der Kranken- und Pflegeversicherung. Sie finanzieren also einen Teil der von ihnen verursachten Ausgaben selbst. In dieser Studie werden...
Persistent link: https://www.econbiz.de/10008520325