COMENIUS MÖNCHENGLADBACH

Wenn Jung und Alt sich neu begegnen

• In our European society, everybody wants to stay young forever while the population is getting older every minute, which is a big contradiction.

WIE STELLT SICH DIE BEVÖLKERUNGSGRUPPE DER

PENSIONÄRE IN EUREM LAND IM VERHÄLTNIS ZU ANDEREN

BEVÖLKERUNGSGRUPPEN IN ZAHLEN DAR?

How does the population of pensioners in your country relate to other population groups?

WIE HOCH IST DER ANTEIL DER RENTNER/PENSIONÄRE AN DER

GESAMTBEVÖLKERUNG?What is the percentage of pensioners in the total population?

The Nether-lands

Luxembourg Belgium Germany The Czech Republic

0

5

10

15

20

25

30

Percentage of pensioneers in the total population

18 29 17 25 22

DER RUHESTAND IM LÄNDERVERGLEICH

• 1. How is the age structure in our countries?• Life expectancy is rising in every country a lot of old people a lot of money is

needed to finance their pensions, their lives • Rising life expectancy is positive for the pensioneers• Negative for the financesWhile there are more and more older people and the number of births isn´t rising much, it becomes difficult to finance so many pensioneers.

• 2. Solutions for that problems :• Less money for older people• More taxes for working people• work longer• More births• More immigration (of young people)• Stop spending money on „unsual“ things ⇒ save money

WIE VIELE KINDER WURDEN/WERDEN IN DIESEN JAHREN JEWEILS GEBOREN?

BEVÖLKERUNGSDIAGRAMMEWIE WIRD DER RUHESTAND IN EUREM LAND

FINANZIERT?

How many children were born in these years? Population Charts

WIE HOCH WAR DIE LEBENSERWARTUNG IN EUREM

LAND BEI DER GEBURT DER JAHRGÄNGE: 1950, 1980 UND

2010, 2050? What was the life expectancy in your country in the years 1950, 1980 and 2010?

1950 1980 2010 205060

65

70

75

80

85

90

NLLBDCZ

WIE WIRD DER RUHESTAND IN UNSEREN LÄNDERN FINANZIERT?

How are pensions financed in our countries?

WIE IST DIE RENTE FINANZIERT (GESETZLICH? PRIVAT?) UND NACH WELCHEM

SYSTEM ERFOLGEN EIN- UND AUSZAHLUNGEN?

What are pension funds (Public? Private?) How do deposits and withdrawals happen?

Pensions are funded according to the three-pillar strategy: compulsory public pension, pension provided by the company, private pension:•We pay money to the state a month which the elder people get•When we are old the young people pay our pension (Generation-Contract, pay-as-you-go system)In all the different countries the pensions are paid by the state. But also people have the possibility to have their own private pension contract. There is also the possibility to get a pension from your company.

AB WELCHEM LEBENSJAHR KANN MAN DIE RENTE/PENSION

BEZIEHEN? At what age is a person eligible to receive a pension?NL B L D CZ 

65  -age to receive pension rises every year

 

65  

 

65  

 

65-67  -people born in 1964 get pension at 67

 

Men: 62-63Women: 59-61 -depends on how many children the women get -age to receive pension rises for people born 1977/+ 

WIE WIRD DER RUHESTAND INUNSEREN LÄNDERN FINANZIERT?

1 Monatliche Durchschnittsrente in Euro

Countries B NL L D CZ

Singlepersons

1380 1034 1348 984 406

Married couples

1591 1478 2022 1818 812

Germany = 40-50%Conclusion: In Belgium, people are obtaining the highest percentage of their income (75%) when they are retired and in Germany the lowest (40-50%)

Belgium Netherlands Luxembourg Germany Czech Republic0

10

20

30

40

50

60

70

80

Pensions as a percentage of wages: The money you obtain when you

are retired

2 Company pensionThe second possibility to save costs is the possibility that your work gives you a little extra for later when you´re retired. It exists in all our countries but it depends on the company where you work.

3 Private pensionPrivate pensions are very common in Europe but there is also a difference. Belgium and Germany are the same and have an extra private income of 5% and 20%. In the Czech Republic this solution is just introduced. In Luxembourg it´s totally absent. And in the Netherlands it is an important part of the income.

•Too many pensioners in comparison to active people•Young people have to pay their pension•Less progeny

Birthrate (2011) D: 1,36 B: 1,84 N: 1,76 L: 1,52 CZ: 1,43

•Today over three people pay for one pensioner•2060 probably 1,3 people pay for one pensioner

That affects the collapse of the public pension

•People have to pay more for private foundation and more for pension tax

Less money for taxpayers to have enough when they get old

Problems of pension-financing

First solution: • Taxpayer have to work longer

o Rise of the retirement ageo People really work until the retirement age

Stay fit/ keep being informedo Earlier enter in occupation

Less being at school Second solution: • More worker affect more taxpayer

o More incentives for working Higher wages Better working conditions

o More incentives to get children Longer, earlier, more care institutions More money for parents

o Young migrant workers which pay tax

Solutions for financing problems

WIE HOCH IST DEMGEGENÜBER DER ANTEIL DER BEVÖLKERUNG IM ARBEITSFÄHIGEN ALTER?

By contrast, what is the percentage of the population of working age?

Arbeitet / working

Belgium 60,40%

Netherlands 63,93%

Germany 72,8%

Czech Republic 67,8%

Luxembourg 69%

WIE HOCH IST DER ANTEIL AN SOZIALFÄLLEN BEI RENTENEMPFÄNGERN UND WIE GEHT MAN

IN EUREM LAND MIT SOLCHEN FÄLLEN UM? How many social cases are there with social pensioners? How do they deal with such cases in your country?

Social cases of pensioners have a share of about 7%They can be applied for emergency assistanceThey can be applied for a housing, living allowance (when they have a low income)Allowances for disabled:- Mobility allowance- Allowance for special aid- Card for a person with disabilities

IN WELCHEM MAẞE NEHMEN RENTNER/PENSIONÄRE IN EUREM LAND AM SOZIALEN LEBEN TEIL?

WOHNSITUATION:

How much do the pensioners take part in the social life in your country?

Living situation:

WIE VIELE RENTNER LEBEN IN DER EIGENEN WOHNUNG/ IM

SENIORENHEIM/ IN DER FAMILIEHow many pensioners live in their own homes/retirement home/with their family?

Germany The Netherlands Luxembourg Czech Republic Belgium0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

Living in own or retirement homes

Own homes (left-hand scale) Retirement home (right-hand scale)

WIE VIELE RENTNER LEBEN IN DEN STÄDTEN/AUF DEM LAND? LEBEN SIE DORT UNTERSCHIEDLICH?

How many pensioners live in cities/on the countryside? Do they live here in a different way?

The Netherlands & Belgium: there are more pensioners living on the countryside.Luxembourg: ?Czech Republic: 700 050 lives on the countryside, 2 200 000 lives in the city More pensioners living in the city.Germany: In the city: 16 200 000 and 3 800 000 on the countryside. More pensioners living in the city.

WIE TEUER IST EIN PLATZ IM SENIORENHEIM?

(WOHNUNG/ZIMMER)How much does a place in a retirement home cost? (Service flat/room)

Germany Luxembourg The Netherlands Czech Republic Belgium0

10

20

30

40

50

60

70

80

90

WIE HOCH SIND DIE LEBENSHALTUNGSKOSTEN FÜR RENTNER IN DER STADT/AUF DEM LAND?

MOBILITÄTS- UND FREIZEITANGEBOTE FÜR „FITTE“ RENTNER

How high is the cost of living for pensioners in the city/on the countryside?

Belgium & Czech Republic: The pensioners who live on the countryside pay less than the pensioners living in the city

Germany: on the countryside 468 euros, in the city 550 euros (for 1 month)

Luxembourg & The Netherlands: ?

MOBILITÄTS- UND FREIZEITANGEBOTE FÜR „FITTE“

RENTNERMobility and leisure for "fit" pensioners

GIBT ES BESONDERE ANGEBOTE (FREIZEITGESTALTUNG?, KULTUR?,

MOBILITÄT?) FÜR RENTNER/PENSIONÄRE?

Are there any special offers for pensioners? (leisure activities, cultural activities, transport)

  Senior clubs

Activities

Senior cards

Public transportation

Germany x   x x

The Netherlands

  x   x

Luxembourg x x   x

Czech Republic

 x   x x

Belgium x x   x

GIBT ES BESONDERE MEHRGENERATIONEN-ANGEBOTE,

D.H.: WO WERDEN JUNGE UND ALTE MENSCHEN ZUSAMMENGEBRACHT?

Are there places where people of different ages/generations meet/do activities together?Belgium: youngsters and the elderly can come together in the Triamant college. They can choose where they stay in the college for a short or long period. The elderly can help and guide the youngsters in a combined project.

The Netherlands: They are projects where children go to the retirement homes.

Czech Repulic: Volunteers in retirement houses, religion, children from primary school visit the retirement houses.

Luxembourg: the initiative Babuschka, where youngsters and pensioners live together.

Germany: more generation houses

GIBT ES ORTE/EINRICHTUNGEN, AN/IN DENEN ÄLTERE MENSCHEN IHRE ERFAHRUNG UND IHR

WISSEN AN JÜNGERE MENSCHEN WEITERGEBEN? 1/2

Are there places, where old people can share their life experiences with younger people?

Belgium: Guiding in museums

Sharing their life experiences (war, studies …), elderly are coming to schools

The Netherlands: Sharing their life experiences, elderly are coming to schools

Czech Republic: Young people sing for elderly

Sharing their life experiences, elderly are coming to schools

Arts together

GIBT ES ORTE/EINRICHTUNGEN, AN/IN DENEN ÄLTERE MENSCHEN IHRE ERFAHRUNG UND IHR

WISSEN AN JÜNGERE MENSCHEN WEITERGEBEN? 2/2

Are there places, where old people can share their life experiences with younger people?

Luxembourg: Sharing their life experiences, elderly are coming to schools

Helping with school

Germany: Sharing their life experiences, elderly are coming to schools

Helping with work in and around the house

Our experiences with seniors

ARBEITSANGEBOTE FÜR „FITTE RENTNER“

Job opportunities for pensioners

GIBT ES BEI EUCH ARBEITSMÖGLICHKEITEN FÜR „FITTE

RENTNER“?Are there job opportunities for pensioners?

Belgium: As a pensioner you can do any profession: The activity should be reported in advance or within 30 days. The income form the activity cannot exceed a certain limit.

The Netherlands: they can volunteer, special agency for retired people that still want to work

Czech Republic: there are job opportunities for active pensioners. 9% of the total number of pensioners works. They want to work and earn extra money for their monthly pension.

Luxembourg: ?

Germany: they can work in garden they can clean they can work in a library