Immigrating to Germany can't get rid of delayed retirement.

Immigrating to Germany can't get rid of delayed retirement. Looking around the world, the retirement age is uneven, but the aging of the population is a problem facing all countries. Delayed retirement has become the choice of more and more countries.

Immigrating to Germany can't get rid of delayed retirement.

Germany is one of the first countries to implement social security system in the world, and its delayed retirement scheme adopts a special gradual mode, with a smooth transition and no "one size fits all".

Immigrating to Germany can't get rid of delayed retirement-it's a last resort.

1889, German Chancellor Helmsman established the pension system provided by the state for the first time in human history. 1957, he set 65 as the retirement age for the first time.

Due to the increase in the proportion of social support, Germany began to implement the regulation of raising the statutory retirement age to 67 on June 0, 20 12+65438. This regulation was formulated under the predicament of serious population aging, low fertility rate and the state pension insurance making ends meet.

Previously, Germany's retirement age regulations were promulgated by 1957. At that time, the starting point was to predict that the birth rate in Germany would continue to increase, but the reality went in the opposite direction. In recent years, although Germany is the most populous country in the European Union, its birth rate is very low. According to the data of the German Federal Statistical Office, in the past 10 years, Germany was in a state of negative population growth in most years. The Federal Statistical Office predicts that by 2060, the population of Germany will drop from the current 85 million to 65 million. With the declining birth rate, the aging trend is becoming more and more serious. 199 1 year, on average, four German employees support one retiree, but it is predicted that by 2030, every two employees will support one retiree.

Germany's old-age security system has a history of 120 years. Since this guarantee, the policy of pay-as-you-go has been implemented, that is, the current workers pay the pension insurance to pay the pensions of retirees. However, with the aggravation of aging, the burden of office workers is getting heavier and heavier. In this way, a question of fairness arises between the two generations. In order to maintain the relative fairness between generations, the realistic solution is to extend the age of retirees.

In addition, due to the gradual improvement of life expectancy in Germany, the number of years for retirees to receive pensions is getting longer and longer. Statistics show that in the past 40 years, the average time for Germans to receive pensions has increased by 7 years, reaching about 17 years, which has caused increasing pressure on insurance companies.

In this case, raising the retirement age has become the last resort of the German government.

Immigrants to Germany can't get rid of delayed retirement-"small steps and quick steps" improve month by month

According to the new law, Germany will gradually raise the retirement age to 67 from 20 12 to 2029. Those who retire before the statutory retirement age are not required to receive a full pension.

In the process of implementation, the new regulations pay attention to gradual and smooth transition, and do not engage in "one size fits all" to avoid the loss of interests and dissatisfaction of the personnel involved in the new regulations due to the extension of working hours.

The new regulations are aimed at people born after 1947. 1947, and the retirement age is raised to 65 years 1 month in 20 12 years. 1 born in 948, retirement age increases1month. 1958, and the retirement age is raised to 66. After 1958, he was born one year every night and his retirement time was extended by two months. In this way, the legal retirement age for those born after 1964 will be raised to 67.

The "small step forward" of the new law also takes into account some special circumstances. For example, people who have participated in pension insurance for 45 years can still receive full pension when they retire at the age of 65. Those who have participated in pension insurance for 35 years can apply for early retirement at the age of 63, but they must bear a certain proportion of pension losses-according to the number of months different from the statutory retirement age, 0.3% of the pension will be deducted every month. For all people born after 1963, if they retire at the age of 63, the pension they receive will be deducted from 14.4%, which is still valid.

Immigrants to Germany can't get rid of delayed retirement-How to solve the employment problem of the elderly

In the implementation, some problems inevitably appear in the new regulations. Because the health status of the elderly is declining year by year with the increase of age, the actual retirement age of Germans is 63 or even 65 on average. How can they live to be 67? On the other hand, ordinary enterprises are reluctant to hire ordinary employees over the age of 50, and the elderly are at greater risk of unemployment. Now, if the retirement age is raised by two years, experts estimate that 1.2 million to 3 million jobs must be added to meet this demand.

In order to solve this problem, the German government put forward a plan called "Motion 50+" to promote the employment of people aged 50 and above. The main measures are as follows: as far as workers are concerned, the unemployed elderly are encouraged to engage in jobs with wages lower than those before unemployment, and the unemployment insurance company pays a certain proportion of compensation; As far as management is concerned, the government gives some subsidies on the condition that the company must provide jobs. The German legislature also approved this plan.

Under this trend, Germany has now entered the "65+ era". According to the latest population survey report of the German Federal Statistical Office, more and more elderly people over 65 continue to work and actively participate in social activities. According to the census data, the proportion of the working population aged 60 to 64 increased from 28% in 2005 to 52% in 20 14. The proportion of the working population aged 65-69 increased from 6% in 2005 to 65,438+04% in 2065,438+04. (Reporter Wang Yi finishing; Synthesized from Xinhua Daily Telegraph, International Herald Tribune, Huashang Daily, etc.)

Immigrants to Germany can't get rid of delayed retirement —— What do Germans think of delayed retirement

Readme: Frank

Occupation: worker

Age: 67 years old

Viewpoint: Supporting delayed retirement is not a question of money.

I have experienced "retirement" twice, and each time I remember it vividly.

The first time I retired from the army represented the retirement of my military career. After retiring, I went back to my hometown to work in an agricultural product processing factory, and later I changed my employer. When I retired for the second time, I began to receive a pension at the age of 65, but I still worked in the factory and have not left my job until now.

Maybe you will feel strange, why have you started to receive a pension and haven't retired? Because starting from 20 12, the government gradually raised the retirement age to 67, and allowed people who reached retirement age to continue working for a period of time. This means that when you reach the pension age, you can still get a pension and go to work at the same time.

Most of my pension comes from the factory where I work, some from the military pension, and some from the state pension in exchange for my pension. Although the share of state pension is not large, it is better than nothing. For people with low income like me, if delaying retirement can give me more pension, of course I am willing.

However, the main reason why I agree with this policy is not money itself, but my own values: keeping a job is not just to make money, but a means to maintain social ties and ensure a full life. Self-report: Hans Occupation: Bank Clerk Age: 48 Viewpoint: How much influence delayed retirement has depends on your right to choose.

A few years ago, I often saw news of delayed retirement. According to the gradual postponement mentioned in it, I really belong to a group of people who have been postponed: I, who could have started to receive a pension at the age of 65, must endure until I am 67, but do I really need to endure until I am 67? I don't think so.

The delayed retirement mentioned in the news is the age at which the state issues pensions. This money means nothing to me. In Germany, the distribution of pensions depends not only on the government. Most people will participate in private pension plans in addition to paying pensions in exchange for state pensions. I am an active participant in the private pension plan. The national pension is paid in proportion to personal income, but the amount is very small, which is a drop in the bucket for my retirement. Private pension plan is the main source of my retirement.

Working in a bank, the first thing I can guarantee is considerable income and sufficient deposits; Secondly, the bank will provide employees with a good private pension plan: employees are allowed to receive pensions at the age of 60 (but not in full), and if they do not receive them at the age of 60, they can receive them in full at the age of 65. Of course, I don't know what the private pension plans of other enterprises are like, but large enterprises generally provide high-quality private pension plans for their employees.

In my opinion, the impact of delayed retirement on you depends on the size of your choice: the more you rely on the state pension, the less your choice; On the contrary, the bigger.