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Transition from Working Life to Retirement
KUNOVÁ, Aneta
The bachelor thesis was focused on the transition from active life to retirement. The topic of this work was very topical. It deals with adults in active working life who were preparing for the next stage of life, considering retirement options, or partially or fully continuing their employment. The thesis was divided into two parts, theoretical and practical. The theoretical part defines the basic concepts, describes the period of active aging and preparation for old age. Attention was paid to the pension system. Furthermore, the transition from working life to retirement pension was described, which describes retirement pension, its conditions of entitlement, necessary steps to obtain it and timing of departure. The aim of the thesis was to describe how people in pre-retirement age live their current life period, how they prepare for the post-employment and retirement periods, and what factors influence their decisions on termination of employment and retirement. To carry out the research part of the thesis was used qualitative type of research and semi-structured interview technique. The research sample was made up of people who are of pre-retirement age and are considering terminating or continuing their employment. The results were processed by the open coding method. The research was to determine whether people are thinking about preparing for old age and retirement life, what they are aware of the conditions for retirement, what decisions they make and what they expect from life after leaving employment. Work can serve as material for people approaching retirement age. It can help to specify indicators of transition from active life to retirement.
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Establishing Old Age Pension Retirement Age Limits
Svoboda, Radovan ; Potůček, Martin (advisor) ; Hedbávný, Petr (referee)
Establishing retirement age is a key issue for each and every pension system. How this issue is resolved is palpable for every citizen and also has a major political dimension. The main reasons for increasing the retirement age - which is occurring in all European countries - are demographic development and economic factors, such as higher life expectancy, increasing the proportion of pensioners to the number of economically active people, and the growing costs for the pension system. This thesis describes the current reform steps in Europe and provides a thorough analysis of factors which are relevant for dealing with retirement age issues. The analysis is based on official statistical data, which are scrutinized even in mutual correlations. The need for an interdisciplinary approach which eliminates unilateral vistas and biased application of data lifted out of context and long-term trends is emphasized. Special attention is paid to the genesis and current solutions regarding the retirement age in the Czech Republic. This thesis offers reasoning which supports setting 65 years of age as the statutory retirement age, including the mechanism for increasing it depending on how the life expectancy factor develops. How the retirement age issues are dealt with is based on the fundamental ethical...
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Comparison of early retirement options from demographical point of view
Mačková, Zuzana ; Miskolczi, Martina (advisor) ; Fiala, Tomáš (referee)
The topic of this bachelor thesis is comparison of options for early retirement in the Czech Republic and assesment of their potential toward years 2014--2060. To achieve this, a model for calculating the number of potential persons to retire each year will be used. For over two decades citizens of the Czech Republic with 3 years and less to the standard retirement age can apply for early retirement. Upon granting their request the state begins paying them old age pension which is however permanetly reduced. Since 2013 there exist a new form of early retirement called "předdůchod". Any person with at least 2 years and at most 5 years to the standard retirement age qualifies for this new option provided she has enough funds saved in the so called III. pillar of the pension funding programme. The advantage of this alternative is that the standard old age pension is not reduced. The potential number of early retirees will change rapidly in the following years. The biggest surge will occur by the year 2040 as people born in the 1970's baby boom will begin to reach their retirement age. Their number will then decline again after the year 2040.
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Effects of changes in the calculation of pensions to the number of early retirements in the district Jindřichův Hradec
UHLÍKOVÁ, Jana
The aim of this thesis was to find out which impacts of the parametric changes, linked to the change of law no. 155/1995 Sb. about pension insurance, as amended, affected the number of applications for early retirement in the Jindřichův Hradec district. The need to solve this problem arose from the questioning of Section 15 of act no. 155/1995 Sb., as amended, regarding social insurance, which governs the assignment of the calculation basis used to work out the percentual pension allowance. The Constitutional Court concluded that the defined rules generate significant differences between the amount paid into the insurance system and the amount of the old-age benefit received. On this basis the MPSV (Ministry of Labour and Social Affairs) compiled the rule changes for calculation of old-age benefit and together with the other parametric changes prepared, this was proposed as the so-called ?minor pension reform?. The proposal passed through the legislative process and with effect from 30th September 2011 the rules for the calculation of the old-age benefit changed according to the new Act (no. 220/2011 Sb.) that amends Act no. 155/1995 Sb. on social insurance, as amended by subsequent rules, and several other Acts. The new regulations favour citizens with higher incomes. For persons with a lower income the change resulted in lower pensions received, as a result of which some have chosen to apply for early retirement. The aim of this thesis was to survey applications for all types of retirement in the years 2010 and 2011 with emphasis on the number of applications for early retirement in the district of J. Hradec and to analyse the length of prematurity at the time the application for early retirement was submitted. The comparison periods were the months from March to September of the respective years. Based on the given aims, quantitative research was chosen as the method of standardised research and two hypotheses were tested: 1. As a consequence of the changes in the regulations for the benefit calculation the number of early retirement applications has risen. 2. The highest interest in allowance of early retirement was shown by citizens with a maximum of 1 year left before reaching the age limit at which they were entitled to old-age pension benefits. The research was carried out by content and secondary analysis of data contained in the official statistics of ČSSZ (Czech Social Security Administration) and OSSZ (District Social Security Administration) and other available materials for the years 2010 and 2011. After analysis and evaluation of the required information the first defined hypothesis was confirmed; citizens were choosing early retirement regardless of the fact that the percentual assessment of the calculation basis would be reduced for every 90 days before retirement age, but were able to retain their original pension calculation basis. They were making this decision despite the fact that by reduction of the received old-age benefit their pension was lowered by approximately 12%. In this case, providing they satisfied the legal condition of insurance duration, they used the opportunity to retire before reaching the age limit for old-age pension, which meant 3 years early. In the final phase it was confirmed that in the tracked period applications from citizens with up to 1 year left to reach the retirement age did not predominate. The number of applicants retiring 3 years earlier was approximately the same as those with one year left. There were slightly fewer citizens with two years left to satisfy the legal condition of the insurance duration. In the conclusion of the results section, data are also mentioned which evidence the number of state pensions being paid and the expenses used for these benefits from the national budget. This is quite a considerable amount and it continues to rise with the number of pensions being paid.
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Development and current situation in the area of early retirement
Rákosníková, Lenka ; Vostrovská, Zdenka (advisor) ; Vebrová, Ludmila (referee)
The aim of this thesis is an area of early retirement. It is focused on description and analysis of legislative changes which adjust this section of pension scheme. At the beginning of the thesis there is given a description of the social security scheme. There are depicted changes and reforms of the pension scheme. These legislative changes are demonstrated on the graphs. Thesis is an application of three model situations in pursuance of the analysis. On these examples there is drawn a comparison between early pensions, unemployment relief and "předdůchody" ( an option of leaving the labor market before reaching the retirement age and financing it from private sources). There are also compared the situations before and after the reform from 2011. The conclusion describes the results of the calculations from model situations. The thesis brings a summary of changes and reforms in the area of early retirement.
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An Early Retirement and its role in the social security system.
ZDVIHALOVÁ, Martina
This thesis addresses the issue of early retirement. The theoretical part discusses the role of early retirement in the social security system of the Czech Republic. First, it describes the system of our social security itself. The next section deals with the development of the pension insurance from its beginnings to the present time. Since 1996, the applicable legal regulation has been Act No. 155/1995 Coll. on pension insurance, but it has been amended several times. The last major amendment has been parameter changes from 1 January 2010. In subsequent chapters, the theoretical part deals with old-age pensions and, in particular, early old-age pensions, it explains the conditions of eligibility and related concepts such as insurance period, retirement age, pension application. The main objective of the thesis was to find out about the reasons for the submission of an application for a reduced early retirement. Other objectives were to find out whether they have sufficient information on all conditions of eligibility for this type of pension and what factors influenced their decision. To achieve the objectives, the qualitative method was used; the techniques of the research included semi-structured interviews and a secondary data analysis. The sample consisted of a total of 15 respondents (five unemployed persons, five employed persons and five self-employed persons). The research has shown that the reasons of applicants are similar not only within each group, but also between them (fatigue, health problems). The secondary data analysis was used to illustrate the size and structure of the basic sample. The results show that the early retirement is applied for by a relatively low number of people with higher education. I believe that currently early retirement has an indispensable role in the social security system and it should remain a part of it in the future. However, the thesis also shows that people in their pre-retirement age are not offered another appropriate alternative.The thesis should serve to raise awareness about the issues early retirement.
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