By Onno W. Steenbeek, S. G. Fieke van der Lecq
The Dutch pension procedure is usually praised as the most effective on the planet: it really is effective, it presents sure bet to members and it preserves unity and cohesion between employees and pensioners. This booklet provides those merits intimately, supported by means of quantitative proof. It additionally discusses the facets of the method which are much less beneficial, despite the fact that, similar to implicit worth transfers from more youthful to older generations that restrict mobility of labour. The analyses of either merits and prices can help pension fund managers, forums of trustees, supervisors, and researchers to appreciate and to enhance pension platforms at present in position around the globe.
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Additional info for Costs and Benefits of Collective Pension Systems
People with an unhealthy lifestyle and high earners are deemed less eligible for collective financing of treatment for certain diseases (Hansen, Arts and Muffels, 2005). Society attaches conditions to solidarity: high earners and those with risky lifestyles should pay more. ; 50% of the insured are prepared to pay a higher contribution to maintain solidarity, but 39% are no longer prepared to do this (RVZ, 2006). 3 Solidarity: who cares? 43 The end of the ‘veil of ignorance’? This trend is compounded by an entirely different phenomenon: new scientific insights into the causes of disease, including genetic factors and behaviour, and the use of healthcare increase the capacity to predict who will be net payers and who will be net recipients.
In E. de Jong and M. Buijsen, Solidariteit onder druk? Over de grens tussen individuele en collectieve verantwoordelijkheid, Nijmegen: Valkhof Pers, 2005. Berg, B. T. ’, Economisch Statistische Berichten (88) 4413: pp. 420-422, 2003. Battacharya, J. and N. Sood, Health insurance and the obesity externality, Working Paper 11 529, NBER, 2005. , ‘Solidariteit, rechtvaardigheid en de zorg om gezondheid’, Filosofie & Praktijk (26)5, pp. 5-18, 2005. M. and E. Meara, The medical costs of the young and the old: a forty year perspective, Working Paper 6114, NBER, 1997.
However, even in the commercial market, few products are entirely without value transfers (“good risks” pay for “bad risks”) and operate fully according to the equivalence principle. This is partly due to economic market imperfections, such as moral hazard, adverse selection and actuarial inaccuracies. But solidarity considerations also enter into the equation. Formerly, for instance, sickness funds rarely excluded nonpayers from their health schemes (Widdershoven, 2005) and private insurers hardly ever charged totally risk-based premiums (Schut, 1995).
Costs and Benefits of Collective Pension Systems by Onno W. Steenbeek, S. G. Fieke van der Lecq