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Gender Impact Of Pension Reform
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Book Synopsis The Gender Impact of Pension Reform by : Estelle James
Download or read book The Gender Impact of Pension Reform written by Estelle James and published by World Bank Publications. This book was released on 2003 with total page 81 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pension systems may have a different impact on gender because women are less likely than men to work in formal labor markets and earn lower wages when they do. Recent multipillar pension reforms tighten the link between payroll contributions and benefits, leading critics to argue that they will hurt women. In contrast, supporters of these reforms argue that it will help women by the removal of distortions that favored men and the better targeted redistributions in the new systems. To test these conflicting claims and to analyze more generally the gender effect of alternative pension systems, James, Edwards, and Wong examine the differential impact of the new and old systems in three Latin American countries--Argentina, Chile, and Mexico. Based on household survey data, they simulate the wage and employment histories of representative men and women, the pensions they are likely to generate under the new and old rules, and the relative gains or losses of men and women because of the reform. The authors find that women do accumulate private annuities that are only 30-40 percent those of men in the new systems. But this effect is mitigated by sharp targeting of the new public pillars toward low earners, many of whom are women, and by restrictions on payouts from the private pillars, particularly joint annuity requirements. As a result of these transfers, total lifetime retirement benefits for women reach 60-80 percent those of men, and for "full career" women they equal or exceed benefits of men. Also as a result, women are the biggest gainers from the pension reform. For women who receive these transfers, female/male ratios of lifetime benefits in the new systems exceed those in the old systems in all three countries. Private intra-household transfers from husband to wife in the form of joint annuities play the largest role. This paper is a product of the Gender Division, Poverty Reduction and Economic Management Network.
Book Synopsis The Gender Impact of Pension Reform by : Estelle James
Download or read book The Gender Impact of Pension Reform written by Estelle James and published by . This book was released on 2016 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pension systems may have a different impact on gender because women are less likely than men to work in formal labor markets and earn lower wages when they do. Recent multipillar pension reforms tighten the link between payroll contributions and benefits, leading critics to argue that they will hurt women. In contrast, supporters of these reforms argue that it will help women by the removal of distortions that favored men and the better targeted redistributions in the new systems.To test these conflicting claims and to analyze more generally the gender effect of alternative pension systems, James, Edwards, and Wong examine the differential impact of the new and old systems in three Latin American countries-Argentina, Chile, and Mexico. Based on household survey data, they simulate the wage and employment histories of representative men and women, the pensions they are likely to generate under the new and old rules, and the relative gains or losses of men and women because of the reform.The authors find that women do accumulate private annuities that are only 30-40 percent those of men in the new systems. But this effect is mitigated by sharp targeting of the new public pillars toward low earners, many of whom are women, and by restrictions on payouts from the private pillars, particularly joint annuity requirements. As a result of these transfers, total lifetime retirement benefits for women reach 60-80 percent those of men, and for quot;full careerquot; women they equal or exceed benefits of men. Also as a result, women are the biggest gainers from the pension reform. For women who receive these transfers, female/male ratios of lifetime benefits in the new systems exceed those in the old systems in all three countries. Private intra-household transfers from husband to wife in the form of joint annuities play the largest role.This paper is a product of the Gender Division, Poverty Reduction and Economic Management Network.
Book Synopsis Gender Impact of Pension Reform by : Estelle James
Download or read book Gender Impact of Pension Reform written by Estelle James and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Gender Impact of Pension Reform by : Estelle James
Download or read book The Gender Impact of Pension Reform written by Estelle James and published by . This book was released on 2004 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pension systems may have a different impact on the two genders because women are less likely than men to work in formal labor markets and earn lower wages when they do. Recent multi-pillar pension reforms tighten the link between payroll contributions and benefits, leading critics to argue that they will hurt women. In contrast, supporters of these reforms argue that women will be helped by the removal of distortions that favored men and the better targeted redistributions in the new systems. In order to test these conflicting claims and to analyze more generally the gender impact of alternative pension systems, this paper examines the differential impact of the new and old systems in three Latin American countries - Chile, Argentina and Mexico. Based on household survey data, we simulate the wage and employment histories of representative men and women, the pensions that these are likely to generate under the new and old rules, and the relative gains or losses of the two genders due to the reform. We find that women do indeed accumulate private annuities that are only 30-40% those of men in the new systems. However, this effect is mitigated by sharp targeting of the new public pillars toward low earners, many of whom are women, and by restrictions on payouts from the private pillars, particularly joint annuity requirements. As a result of these transfers, total lifetime retirement benefits for women reach 60-80% of those for men and for "full career" married women they equal or exceed benefits of men. Also as a result, women are the biggest gainers from the pension reform. For women who receive these transfers, female/male ratios of lifetime benefits in the new systems exceed those in the old systems in all three countries. Private intra-household transfers from husband to wife in the form of joint annuities play the largest role. Women who work no longer have to give up their own annuity to get this widows' benefit, as they did in some old systems.
Book Synopsis Gender Dimensions of Pension Reform in the Former Soviet Union by : Paulette Castel
Download or read book Gender Dimensions of Pension Reform in the Former Soviet Union written by Paulette Castel and published by World Bank Publications. This book was released on 2001 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: The authors analyze the gender implications of pension reform in Kazakhstan, the Kygyz Republic, Latvia, and Moldova. The new systems deliberately penalize early retirement and reward longer careers, so that with no change in behavior or policy, women's pensions will be lower than men's on average. Still, the implicit financial returns for women remain higher on average than returns for men, because of women's longer life expectancy and because of redistributory minimum pensions. Overall, however, the net change in wealth resulting from the reforms will be larger on average for men than for women, because they will work longer and get a larger pension. Women's longer life expectancy means that women can expect to spend the last years of their lives alone. If their pensions are too low because of their work histories, poverty among elderly women may increase.
Book Synopsis The Gender Impact of Pension Reform by :
Download or read book The Gender Impact of Pension Reform written by and published by . This book was released on 2005 with total page 63 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Gender and Social Security Reform by : Neil Gilbert
Download or read book Gender and Social Security Reform written by Neil Gilbert and published by Routledge. This book was released on 2017-07-05 with total page 250 pages. Available in PDF, EPUB and Kindle. Book excerpt: Aging populations are creating tremendous pressures on social security systems throughout the world, lifting the need for reform to the top of policy agendas. Proposed reforms often have different implications for men and women. At the same time, traditional family and gender roles are changing with the decline in fertility rates and the rapid rise in women's participation in the paid labor force.While trying to adapt social security systems to the fiscal demands of aging societies, policymakers face the compelling challenge of how to design pension reforms that achieve fair outcomes for women. Gender and Social Security Reform examines how different countries are attempting to meet this challenge. Drawing on comparative studies of European and Latin American countries along with a series of case studies of individual countries, the book provides insights into the gender dimensions of alternative designs for reform. All of the countries studied have recently reformed or are about to reform their pension systems, with a clear trend towards tightening the link between contributions and benefits in order to secure the long-term sustainability of pensions. The book also alerts policymakers to other issues: Should pension systems be gender-neutral or compensate for inequalities in paid and unpaid labor? Does compensation preserve gender discrimination? Are unisex life tables a reliable or fair redistributive tool for women? Or should annuities be linked directly to life expectancy, differentiated by sex and potentially other factors? Does a minimum pension guarantee risk compromising the principle of individual responsibility and work? How can recognition for caring work be balanced with work incentives? What can be done to help social security systems preserve freedom of choice in terms of work-family balance for women, men or the modem family unit as a whole?In analyzing the gender implications of recent social security policies and practices
Book Synopsis The Gender Impact of Social Security Reform by : Estelle James
Download or read book The Gender Impact of Social Security Reform written by Estelle James and published by University of Chicago Press. This book was released on 2008-09-15 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt: As populations age and revenues diminish, government and private pension funds around the world are facing insolvency. The looming social security crisis is especially dire for women, who live longer than men but have worked less in the formal labor force. This groundbreaking study examines alternative social security systems and their disparate impacts on men and women. Emphasis is placed on the new multi-pillar systems that combine a publicly managed benefit and a mandatory private retirement saving plan. The Gender Impact of Social Security Reform compares the gendered outcomes of social security systems in Chile, Argentina, and Mexico, and presents empirical findings from Eastern and Central European transition economies as well as several OECD countries. Women’s positions have improved relative to men in countries where joint pensions have been required, widows who have worked can keep the joint pension in addition to their own benefit, the public benefit has been targeted toward low earners, and women’s retirement age has been raised to equality with that of men. The Gender Impact of Social Security Reform will force economists and policy makers to reexamine the design features that enable social security systems to achieve desirable gender outcomes.
Book Synopsis Gender-Differentiated Impacts of Pension Reform by : Alexandra van Selm
Download or read book Gender-Differentiated Impacts of Pension Reform written by Alexandra van Selm and published by . This book was released on 2012 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Many countries have initiated pension reform to cope with aging populations and fiscally unsustainable pension systems. The reforms often aim to separate the safety net and savings functions of pension systems, and to minimize incentive distortions. They usually involve moving from a single public pillar to a multipillar system, with the latter consisting of a private pillar (with defined contributions) and a more targeted public pillar (with defined benefits). Gender issues arise in pension design because men and women have different employment histories and life expectancies. Women tend to have shorter histories in the formal labor market because they take time off to care for children and are permitted to retire earlier than men. During their working years they also earn less than men, on average (World Bank 2001). As a result, women contribute less to pension systems than men, and are likely to end up with smaller pensions if benefits are closely linked to contributions-as in the defined contribution pillar of new systems. However, the public pillar in new systems often includes a safety net that provides a public transfer to women.
Book Synopsis Women's Work and Pensions: What is Good, What is Best? by : Bernd Marin
Download or read book Women's Work and Pensions: What is Good, What is Best? written by Bernd Marin and published by Routledge. This book was released on 2018-10-24 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: How different are fe/male life courses, and why? What is good, bad, or best for women under these or probable future circumstances? This ground-breaking book explores the difficulties women face in working life and retirement - and asks what can be done to achieve more gender equality and fairness for women and men alike. Leading pension experts from across Europe analyse the basic challenges through single and comparative country studies. The editors provide facts and figures on women's lives, work and pensions and draw theoretical lessons and practical policy conclusions from the studies and gendered statistical indicators.
Book Synopsis Special Issue: The Impact of Pension Reform on Women by :
Download or read book Special Issue: The Impact of Pension Reform on Women written by and published by . This book was released on 2006 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Lessons from Pension Reform in the Americas by : Stephen J. Kay
Download or read book Lessons from Pension Reform in the Americas written by Stephen J. Kay and published by OUP Oxford. This book was released on 2007-11-22 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt: Latin American experiments with pension reform began when Chile converted its public pay-as-you-go system to a system of private individual accounts in the early 1980s. Several other Latin American countries then followed suit, inspired both by Chile's reforms and by World Bank recommendations stressing compulsory government-mandated individual saving accounts. Individual accounts were subsequently introduced in a number of countries in Europe and Asia. Many are now re-evaluating these privatisations in an effort to 'reform the reform' to make these systems more efficient and equitable. This volume is the first to assess pension reforms in this new 'post-privatization' era. After a discussion on demographic trends in the foreword by Nobel laureate Robert W. Fogel, Section 1 of the book includes chapters on the role of pension system default options, the impact of gender, and a discussion of the World Bank's policies on pension reform. The chapter on the evidence from Chile's new social protection survey points to key lessons from the world's first privatization. Section 2 offers in-depth analysis of several significant reform initiatives in the hemisphere, and includes chapters on the United States, Canada, Mexico, Costa Rica, Brazil, Peru, Uruguay and Argentina. The volume provides an unparalleled account of the lessons from pension reform in the Americas, addressing the most pressing policy issues and highlighting a broad range of country experiences.
Book Synopsis Gender Dimensions of Pension Reform in the Former Soviet Union by : Paulette Castel
Download or read book Gender Dimensions of Pension Reform in the Former Soviet Union written by Paulette Castel and published by . This book was released on 1999 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: February 2001 Under pension reforms in the former Soviet Union, unisex annuities benefit women more than men because of a major redistribution toward women. But they also penalize women more for shifting toward unpaid household work and may cause increased poverty among lone elderly women--especially in Kazakhstan, which has a high service requirement for the minimum pension and provides no compensation for time out to have children. Castel and Fox analyze the gender implications of pension reform in Kazakhstan, the Kyrgyz Republic, Latvia, and Moldova. The new systems deliberately penalize early retirement and reward longer careers, so that with no change in behavior or policy, women's pensions will be lower than men's on average. Still, the implicit financial returns for women remain higher on average than returns for men, because of women's longer life expectancy and because of redistributory minimum pensions. Overall, however, the net change in wealth resulting from the reforms will be larger on average for men than for women, because they will work longer and get a larger pension. Women's longer life expectancy means that women can expect to spend the last years of their lives alone. If their pensions are too low because of their work histories, poverty among elderly women may increase. This paper--a joint product of the Gender Board; the Social Protection Team, Human Development Network; and the Poverty Reduction and Economic Management Sector Unit, Europe and Central Asia Region--is part of a larger effort in the Bank to understand how the reforms and new institutions being put in place in Eastern European and Central Asian countries affect women's lives and opportunities. The authors may be contacted at [email protected] or [email protected].
Book Synopsis Gender Dimensions of Pension Reform in the Former Soviet Union by : Paulette Castel
Download or read book Gender Dimensions of Pension Reform in the Former Soviet Union written by Paulette Castel and published by . This book was released on 2016 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Under pension reforms in the former Soviet Union, unisex annuities benefit women more than men because of a major redistribution toward women. But they also penalize women more for shifting toward unpaid household work and may cause increased poverty among lone elderly women - especially in Kazakhstan, which has a high service requirement for the minimum pension and provides no compensation for time out to have children.Castel and Fox analyze the gender implications of pension reform in Kazakhstan, the Kyrgyz Republic, Latvia, and Moldova. The new systems deliberately penalize early retirement and reward longer careers, so that with no change in behavior or policy, women's pensions will be lower than men's on average.Still, the implicit financial returns for women remain higher on average than returns for men, because of women's longer life expectancy and because of redistributory minimum pensions. Overall, however, the net change in wealth resulting from the reforms will be larger on average for men than for women, because they will work longer and get a larger pension. Women's longer life expectancy means that women can expect to spend the last years of their lives alone. If their pensions are too low because of their work histories, poverty among elderly women may increase.This paper - a joint product of the Gender Board; the Social Protection Team, Human Development Network; and the Poverty Reduction and Economic Management Sector Unit, Europe and Central Asia Region - is part of a larger effort in the Bank to understand how the reforms and new institutions being put in place in Eastern European and Central Asian countries affect women's lives and opportunities.
Book Synopsis Gender Impact Assessment of Pension Reform : 5 December 2007 : Pensions Bill 2007 by :
Download or read book Gender Impact Assessment of Pension Reform : 5 December 2007 : Pensions Bill 2007 written by and published by . This book was released on 2007 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Assessing Chile's Pension System: Challenges and Reform Options by : Samuel Pienknagura
Download or read book Assessing Chile's Pension System: Challenges and Reform Options written by Samuel Pienknagura and published by International Monetary Fund. This book was released on 2021-09-10 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chile’s pension system came under close scrutiny in recent years. This paper takes stock of the adequacy of the system and highlights its challenges. Chile’s defined contribution system was quite influential when introduced, and was taken as an example by other countries. However, it is now delivering low replacement rates relative to OECD peers, as its parameters did not adapt over time to changing demographics and global returns, while informality persists in the labor market. In the absence of reforms, the system’s inability to deliver adequate outcomes for a large share of participants will continue to magnify, as demographic trends and low global interest rates will continue to reduce replacement rates. In addition, recent legislation allowing for pension savings withdrawals to counter the effects from the COVID-19 pandemic, is projected to further reduce replacement rates and increase fiscal costs. A substantial improvement in replacement rates is feasible, via a reform that raises contribution rates and the retirement age, coupled with policies that increases workers’ contribution density.
Book Synopsis Extended Working Life Policies by : Áine Ní Léime
Download or read book Extended Working Life Policies written by Áine Ní Léime and published by Springer Nature. This book was released on 2020-02-28 with total page 511 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book addresses the current debate on extended working life policy by considering the influence of gender and health on the experiences of older workers. Bringing together an international team of scholars, it tackles issues as gender, health status and job/ occupational characteristics that structure the capacity and outcomes associated with working longer. The volume starts with an overview of the empirical and policy literature; continues with a discussion of the relevant theoretical perspectives; includes a section on available data and indicators; followed by 25 very concise and unique country reports that highlight the main extended working life (EWL) research findings and policy trajectories at the national level. It identifies future directions for research and addresses issues associated with effective policy-making. This volume fills an important gap in the knowledge of the consequences of EWL and it will be an invaluable source for both researchers and policy makers.
