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Transferable ageing provisions in individual health insurance contracts
Baumann, Florian; Meier, Volker; Werding, Martin - 2004
We consider lifetime health insurance contracts in which ageing provisions are used to smooth the premium profile. The stock of capital accumulated for each individual can be split into two parts: a premium insurance and an annuitised life insurance, where the latter would be transferable...
Persistent link: https://www.econbiz.de/10011404278
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Plan responses to diagnosis-based payment : evidence from Germany's morbidity-based risk adjustment
Bauhoff, Sebastian; Fischer, Lisa; Göpffarth, Dirk; … - 2017
Many competitive health insurance markets adjust payments to participating health plans according to their enrollees' risk - including based on diagnostic information. We investigate responses of German health plans to the introduction of morbidity-based risk adjustment in the Statutory Health...
Persistent link: https://www.econbiz.de/10011659494
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Bankruptcy : is it enough to forgive or must we also forget?
Elul, Ronel (contributor); Gottardi, Piero (contributor) - 2008
Persistent link: https://www.econbiz.de/10003712514
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One pillar crumbling, the others too short : old-age provision in Germany
Werding, Martin - 2016
Public pay-as-you-go pensions still form the dominant pillar of old-age provision in Germany. This is in marked … recovery from the Great Recession. It has disadvantages, as Germany will be ageing very rapidly in the near future. Following a …
Persistent link: https://www.econbiz.de/10011429583
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The effect of firms' partial retirement policies on the labour market outcomes of their employees
Huber, Martin; Lechner, Michael; Wunsch, Conny - 2013 - This version: July 2013
In this paper, we assess the impact of firms introducing part-time work schemes for gradual labour market exit of elderly workers on their employees' labour market outcomes. The analysis is based on unique linked employer-employee data that combine high-quality survey and administrative data....
Persistent link: https://www.econbiz.de/10009772831
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Do retirement savings increase in response to information about retirement and expected pensions?
Dolls, Mathias; Doerrenberg, Philipp; Peichl, Andreas; … - 2018
How can retirement savings be increased? We explore a unique policy change in the context of the German pension system to study this question. As of 2005 (with a phase-in period between 2002-04), the German pension administration started to send out annual letters providing detailed and...
Persistent link: https://www.econbiz.de/10011782119
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Fintech startups in Germany : firm failure, funding success, and innovation capacity
Hornuf, Lars; Mattusch, Matthias - 2024 - This version: August 18, 2024
Fintech startups have set out to revolutionize the financial world. However, little is known about how successful and innovative these firms actually are. This paper investigates firm failure, funding success, and innovation capacity using a hand-collected dataset of 892 German fintechs founded...
Persistent link: https://www.econbiz.de/10015051740
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Lifting the iron curtain : school-age education and entrepreneurial intentions
Falck, Oliver; Gold, Robert; Heblich, Stephan - 2015
We exploit Germany’s reunification to identify how school-age education affects entrepreneurial intentions. We look at … university students in reunified Germany who were born before the Iron Curtain fell. During school age, all students in the West …
Persistent link: https://www.econbiz.de/10011346315
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Age-specific entrepreneurship and PAYG public pensions in Germany
Heer, Burkhard; Trede, Mark - 2020
We present new empirical evidence on the distribution of earnings, income and wealth among entrepreneurs in Germany. We … Germany does not help to improve its fiscal sustainability, and only an increase in the retirement age to 70 years will help …
Persistent link: https://www.econbiz.de/10012249285
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Opportunity versus necessity entrepreneurship : two components of business creation
Fairlie, Robert W.; Fossen, Frank M. - 2018
A common finding in the entrepreneurship literature is that business creation increases in recessions. This counter …-cyclical pattern is examined by separating business creation into two components: "opportunity" and "necessity" entrepreneurship … entrepreneurship, there are many challenges to creating a definition that is both objective and empirically feasible. We propose an …
Persistent link: https://www.econbiz.de/10011789099