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Earnings-related pension insurer of the Suvi-Anne Siimes, Slope: Model of women's small pension increases in Germany

Finland statutory occupational pensions are part of social security, the system is strictly regulated and it moves really big money.

earnings-related Pensions were paid last year to 27.8 billion euros. Future pensions accumulated fund is around eur 200 billion.

but in earnings-related pension system is not repaired career during the birth of inequality in the community.

It was revealed on Tuesday the release of social affairs and ministry of health status from the survey. (you move to another service)the Men's and women's pension gap is still large and narrowing very slowly. Women's pensions are one-fifth lower than men's. Reel pay guarantee pension on older people, the majority are women.

Almost half a million total pension of less than € 1 400 per month

centre for Pensions, less than 1400 euros a month pension for women was last year at the end of 441 186 meaning that more than one fourth of all Finnish pensioners (you move to another service). Almost 40% of pensioners of the pension was less than 1 250 euros per month. Of them, two of the three were women.

earnings-related pension insurer of the Roll of the ceo Suvi-Anne Siimeksen according to a large pension gap has two main reasons: women's and men's pay gap and home care support. And they are not afraid of any pension system within can be changed.

– If held thanks to the principle of the stick, so the pension system inside can not be done terribly. Occupational pensions however, as a mirror image from the past careers. I think the most important thing men and women pay gap elimination is equal pay education and training applying concerning choices of equal value being.

home care assistance is the women's pension case

Siimeksen believes that the ageing Finnish would be high time to take care of the treatment responsibility distribution current more evenly between men and women. Problems will not arise, still the baby in the first year of life, i.e. parental allowance period.

But after a longer home childcare is for women of pension in terms of harmful. I'm thinking about and I'll say it here too, that home care support should be modified. It formed us exactly the same under naisansa of which it is formed in Sweden and what is then make a different solutions.

– We also need to think about it, control current such as home care support for immigrant women to care for their own competence, integration and employment. This fit me badly the current age structure of Finland, Siimes reasons.

the slope of the labor hundred the rest of the ten pension scheme

one and a Half years and then chairman of the SDP Antti Rinne promised to "may day the hundred" (you move to another service) all under 1 400 euros pension a month, those who. Next year's budget marked a hundred of the first ten. The opposition is röykyttänyt the Slope to make the payments on their own election promise.

Last week, the Slope sketched, that the rest of the money for women small pensions increases could be taken from occupational pension customer rebates. (you move to another service)

They arise in the employment pension system the payment chain, the end result of and their refund rules are pretty simple. Insurance company Ilmarinen pictures, that "customer credits are the pension companies to their customers to share any surplus, which accrued to the company's operational efficiency and returns on investment". Customer refund rules to relax the most at the beginning of 2018, and this created more room for the earnings-related pension companies to competition between.

Last year in customer refunds of approximately 356 million

customer rebate benefits both the employer and the employee, as it will reduce next year's pension payment by the social welfare and the ministry of health to determine.

Last year, the pension company pay the customer refunds a total of about 356 million. This money Slope so take your 200-300 million euro annually the women's pension poverty eradication.

Siimeksen view, Slope thinks wrong: customer credits do not have any earnings-related pension system the free money.

– These customer credits are part of the insurance business. They are given as well as the employer-customers of the pension, the company hoped, through that the us wage-earners salary-earners, the rate of contribution accordingly degrading. If money would be taken from other uses so it would mean that in one way or another pension contribution should be raised, Siimes concludes.

the pension payment hike would not respond to the government programme (switch to another service) recorded that "Launched a tripartite explanation of how the earnings-related pension system can be improved with smaller työeläkkeillä of the position. As part of this report to find out ways, which will be able to raise less than eur 1 400 occupational pensions net inflow of eur 100 pension payments without lifting".

– Free money is not walked around the mass here the pension system and it is still less in the future when our age structure we do the challenge in the coming years, the working age population and the wages and salaries sum of the accumulation, Siimes reasons.

the slope of a proposal to break the occupational pension principles

Siimeksen view, the proposal of the Slope also a violation of the Finnish earnings-related pension system key principles: the pension is based on something other than the earning and that the rules be changed retroactively. Siimes, warns that the same would be opened to the possibility, for example, to cut pensions, retroactively.

I don't like the glorious departure towards in the first place, in that Slope the idea that the pension system within the leave be retroactively increase the redistribution of pensions.

the Finnish pension system has been reformed twice in the last twenty years. The 2017 pension reform (the switch to another service) was to ensure that the system works also in the future, when current young people are living ever longer lives.

the Slope mentioned separately in women who have had home care aid before the 2005 reform. (you move to another service) Only then will the earnings-related pension began to accumulation to parental allowance period, year of study and the home care allowance period, though just it is paid directly to the state budget.

Siimes take your model from Germany

Siimes does not deny the problem itself, i.e. the female occupational pension small.

Siimeksen according to women with small occupational pensions are also a problem elsewhere than the us, and he calls on the Mountainside to explore the German government's recent pension settlement.

the social democrats, for example, the German government have gone about that a long career for low-paid women should be able to provide higher pension than those who have not been at all work. In germany was reached on this issue and the funding just recently to an agreement and there style clean with the was decided so that the pension is paid directly from state funds, not the pension system and there charges, Siimes underlined.

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