A new occupational disability insurance in the statutory pension insurance scheme

A large group of people is unable to keep up with the increasing retirement age and remain in the workforce until retirement for health reasons. The disability pension that exists today is only suitable to a limited extent to protect this group. The decisive factor for the reduced earning capacity is not the last activity performed, but all activities "under the usual conditions of the general labour market". Often, however, further employment is no longer possible even with less severe health restrictions. For some employees who are exposed to particular occupational demand, there is therefore a gap in the regulation of old-age security policy. A conceivable alternative would be the introduction of occupational disability insurance at an older working age. The project analyses, among other things, the extent to which the outlined problem exists, how it can be addressed by suitable measures and estimates potential fiscal costs of such measures.