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Volume 5, No. 10

Published 31 October 2017

Articles

  1. Sylwia Pieńkowska-Kamieniecka

    Selected Aspects of Supplementary Pension Savings a Behavioral Perspective

    The purpose of the paper is to present the basics and behavioral assumptions of the theory of saving and their influence by financial decisions in the area of savings for old age. In addition, using the knowledge of behavioral factors determining saving decisions, helped to identify the possible solutions to help individuals, in the condtions of rationality and limited self-control, making appropriate choices in terms of pension savings. Based on the assumptions of behavioral economics, it can be pointed out that, in contrast to neoclassical economics, people are not rational and all-knowing. Therefore, there is a reasonable apprehension of a lack of, or insufficient, or inadequate action in terms of decision making. These decisions should be therefore supported in such a way, that using appropriate solutions choice architecture makes it easier for them to make appropriate choices. In recent times particularly efective has been implementing auto enrollment in pension programs.

  2. Kamila Bielawska

    Risk Sharing in Occupational Pension Programmes Hybrid Plans

    The main types of retirement plans, in terms of determining the amount of the expected benefit are defined as benefit plans (DB) and defined contribution (DC) schemes. Their design causes the polarization of risk distribution associated with pension provision. Most of the risks in DB plans are borne by the organizer, while in DC plans by the participant. Hybrid plans offer the possibility of risk-sharing between the stakeholders of a pension plan. Hybrid solutions are gaining in popularity, especially in the context of occupational pension schemes. The aim of the paper is to evaluate the different types of hybrid pension plans in the light of the distribution of the risk associated with providing the expected level of pension.

  3. Marek Szczepański

    The Role of the Annuity Method in the Longevity Risk Management of Pension Systems

    The paper analyses the use of the method of annuity in managing longevity risk in pension systems. The starting point for the discussion was to define longevity risk as well as the classification of different types of products using the financial annuity method. On this basis, the benefits but also the risks associated with the use of annuity products to manage longevity risk in the phase of the payment of benefits from the public (base) and supplementary pension schemes have been evaluated.

  4. Damian Walczak

    Pension Privileges the Economic and Social Aspects

    In Poland there are a number of pension privileges. Every privilege ultimately results in developing different rules for calculating insurance contributions (e.g. farmers), payment of benefits (based on the principle of defined benefit, not defined contribution) or determining the retirement age (e.g. the uniformed services). Allocating specific amounts to the existing pension privileges means there is a need for collecting insurance premiums, taxes, or other duties that would allow the funding of these privileges. However, as important as financial costs are, other costs are associated with this problem. The most important non-economic effect of privileged pensions is the negative impact on the labour market.

  5. Marcin Garbat

    The Social Dimension of Disability in the Theory of Economics

    The author analyses the historical evolution of disability as a social problem and the institutional forms of solving it. The author, based on the social model of disability, discusses the role and place of not fully able people in selected economic theories and their impact on social policy. Disability is shown as a complex phenomenon, reflecting the structural features of society: characteristics of the economic an political system, the type of social relationships and cultural patterns. The author analyses how academic discussion on disability and theoretical models present in it translate into the philosophy of the system of support to the disabled, the form of the regulations and specific activities within it.

  6. Michał Litwiński

    The Cost of the Social Welfare System as an Investment in Human Capital in Poland

    Human capital is an important factor of socio-economic development. Among the factors that have an influence on the volume of the resource there is an underestimation of the meaning of costs from the social welfare system. The paper looks into the concerns that influence social welfare costs on the level of human capital. The aim of the paper is to verify the hypothesis that the cost of the social welfare system could be invested in the development of a resource in Poland. The aim of the paper is an attempt at changing the perception of the social welfare system. The research carried out in the paper could also be justification for the implementation of long-term strategies. Moreover, investment in human capital are crucial regarding demographical changes (especially of an aging population) - planning expenditures from the social welfare system in a way supporting the development of the resource considered could decrease the burden of the system in the future (e.g. taking care of the health of people at a productive age could diminish the cost of health care in the future). A basis of the research is the literature review. Conclusions were formulated on the basis of an econometric analysis of data from Poland in the period 2003-2013. The quantitative research regards a correlation analysis, the Granger causality test, the VAR model and an impulse-response analysis.

  7. Agnieszka Jeran

    Artists and Creators. The Hard Fate of an Artist or a Story of Happy Workers?

    Artists and creators are a specific subset of people. Analyses based on public statistical data allow to conclude significant gaps in the knowledge of this category of workers, even in the identification of their number. At the same time knowledge of their market situation, income, conditions or quality of life are small. Based on the data obtained from a study of artists and creators associated with Bydgoszcz and Torun this analysis presents the characteristics of their professional situation and data from a Social Diagnosis (from 2013) was used to expose the situation in terms of quality of life. Both studies are based on different assumptions, but their statement completes our little knowledge about artists and creators in the context of their work. It is also a prerequisite for further research.