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Die Auswirkungen bedarfsabhängiger Leistungen: Ergänzungsleistungen in der Schweiz


Bütler, Monika; Inderbitzin, Lukas; Schulz, Jonathan F; Staubli, Stefan (2012). Die Auswirkungen bedarfsabhängiger Leistungen: Ergänzungsleistungen in der Schweiz. Perspektiven der Wirtschaftspolitik, 13(3):179-195.

Abstract

As in many other countries, means tested benefits constitute an important part of the Swiss old age security system and disability insurance. In contrast to universal benefits, such targeted transfers are intended to only support the ones in need and thereby lead to low level of public expenses. However, individuals face strong incentives at various stages in life to adapt their behavior in order to become eligible. Using the Swiss Erg¨anzungsleistungen as an example, we argue that means tested benefits increase the incentive to apply for disability benefits, raise the attractiveness of early retirement, and induce individuals to favor a lump sum payment over an annuity. Moreover, they decrease the incentive to purchase private long-term care insurance.

Abstract

As in many other countries, means tested benefits constitute an important part of the Swiss old age security system and disability insurance. In contrast to universal benefits, such targeted transfers are intended to only support the ones in need and thereby lead to low level of public expenses. However, individuals face strong incentives at various stages in life to adapt their behavior in order to become eligible. Using the Swiss Erg¨anzungsleistungen as an example, we argue that means tested benefits increase the incentive to apply for disability benefits, raise the attractiveness of early retirement, and induce individuals to favor a lump sum payment over an annuity. Moreover, they decrease the incentive to purchase private long-term care insurance.

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Additional indexing

Item Type:Journal Article, refereed, original work
Communities & Collections:National licences > 142-005
Dewey Decimal Classification:330 Economics
Scopus Subject Areas:Social Sciences & Humanities > Geography, Planning and Development
Social Sciences & Humanities > Political Science and International Relations
Language:German
Date:1 January 2012
Deposited On:22 Oct 2018 15:54
Last Modified:15 Apr 2021 14:48
Publisher:De Gruyter
ISSN:1465-6493
OA Status:Green
Publisher DOI:https://doi.org/10.1111/j.1468-2516.2012.00384.x

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