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Early retirement and mortality in Germany

  • MORTALITY
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Abstract

Differences in mortality by retirement age have an important impact on the financing of pension insurance, yet no clear-cut results for Germany exist so far. We calculate mortality rates by retirement age from microdata on all German old-age pensioners and 1.84 million deceases. The life expectancies and survival probabilities at age 65 are estimated for population subgroups according to creditable periods because of disease and pension income. Early-retired men who reach the age of 65 years live significantly longer the later early retirement occurs; the life expectancy at age 65 ranges from 13 to 17.8 years. For each retirement age, mortality of men is higher the more periods of disease are credited in the pension insurance system. For a given length of credited periods of disease, mortality of early retirees decreases with the retirement age. ‘Healthy worker selection effects’ operating in the labour market may contribute to these results. The ‘work longer, live longer’-result is found for each pension income quintile, which resolves the J-curve pattern found in the literature. The mortality of female old-age pensioners varies little with retirement age.

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Notes

  1. This result changes slightly depending on the pension stock considered. For example, analysing sample data for the period from 1994 to 1996 yields a long-term survival for men that is similar for retirement at ages 64 and 65 [8].

  2. Our data show almost no selection of women into unemployed, severely disabled and long-time insured persons that should yield large mortality differences.

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Acknowledgments

We thank the Research Data Centre of the German Federal Pension Insurance for providing the pension data and are indebted to an anonymous referee for very helpful suggestions.

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Authors and Affiliations

  1. Federal Institute for Population Research, Friedrich-Ebert-Allee 4, 65185, Wiesbaden, Germany

    Stephan Kühntopf

  2. University of Rostock and Rostock Centre for the Study of Demographic Change, Rostock, Germany

    Thusnelda Tivig

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  1. Stephan Kühntopf
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  2. Thusnelda Tivig
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Correspondence to Stephan Kühntopf.

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Kühntopf, S., Tivig, T. Early retirement and mortality in Germany. Eur J Epidemiol 27, 85–89 (2012). https://doi.org/10.1007/s10654-012-9658-x

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  • DOI: https://doi.org/10.1007/s10654-012-9658-x

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