特集 : イギリスの社会保障 - ニューレイバーの 10 年 イギリスの公的 私的年金制度改革 丸谷浩介 I 1 50 1997 II 1. 2 15
Winter 2009 No. 169 8 3 4 1999 1989 8 2. 4 1 2 1 1992 6 16 Lower Earnings Limit1 65 60 1 2 16 2.40 16
2 1 5 1 2 3. 6 1970 State Earnings Related Pension 2007 1 17
Winter 2009 No. 169 1 2006-07 10 GDP 2006 7 2015 6 2025 6 2035 6 48.6 61.7 84.8 121.2 SERPS/ 9.8 16 22.6 33.6 7.6 7.6 6.6 6.2 2.9 2.5 2.5 2.7 GDP 68.9 4.9 87.9 5.0 116.6 5.3 163.8 5.9 Pensions Policy Institute, Pension Facts December 2008. http://www.pensionspolicyinstitute.org.uk/default.asp?p=70 Scheme: SERPS 2002 contract out 4. pension credit guarantee credit saving credit 60 7 130 18,600 8 198.45 28,500 6,000 86 500 1 65 18
2 505 327 855 1686 378 264 391 1033 882 591 1246 2719 Pensions Policy Institute, Pension Facts December 2008. 181 26,000 266 38,100 60 40 5. Basic State Pension 65 60 2020 652024 2046 68 2007 1110 87.30 13,000 4 30 6. State Second Pension: S2P 4,524 65 34,840 500 2002 SERPS 20 S2P 40 6 HRP 19
Winter 2009 No. 169 3 2009 130.00 198.45 20.40 27.03 96.00 153.40 95.25 57.05 7.05 0.1153 9.00 DWP, Benefit and Pension Rates, 2009. 4,524 2010 2010 4 12 20 2030 2050 S2P 7. 1959 1975 SERPS SERPS 8. 3 4 1 52 7 67 20 59 13 Pensions Policy Institute, Pension Facts December 2008. 20
21 2002 S2P 6065 1 S2P 1 1 2 5 3 25 5075 2006 100
Winter 2009 No. 169 III 1997 97 1. 1998 98 9 1980 9640 1 5 30 4 1 Minimum Income Guarantee: MIGMIG 1999 4 MIG MIG 2001 MIG SERPS SERPS SERPS S2P 2000 10 4S2P 9,000 2040 2007 4 contributory principle 22
3 1 1999 11 SERPS 2. MIG 2000 11 12 2002 13 2003 10 MIG MIG MIG MIG 14 2002 15 200460 50 2050 60 71 82 3. 1 2001 S2P 23
Winter 2009 No. 169 2002 16 50 55 2003 17 2004 18 2004 2004 1995 2004 7.510.4 2 4. 2004 Adair Turner 2006 19 National Pension Savings Scheme: NPSS 8 3 4 1 24
2006 20 2012 40 30 Home Responsibilities Protection 20 68 21 2006 2007 22 2007 68 39 44 30 5. 2007 2006 23 2008 24 2012 2008 22 S2P IV 25
Winter 2009 No. 169 26 S2P 25
1 Secretary of State for Work and Pensions, Building a society for all ages, Cm 7655, 2009. 2 1 1999 134 3 4 Pension Provision Group, Pension provision and self-employment, December 2001. 5 1992 Social Security Contributions and Benefits Act, s 21 (2). 6 Michael Hill, Pensions, 2007, Policy press, p37. 7 State Pension Credit Act 2002 s15. 8 2004 9 DSS, A New contract for welfare: Partnership in Pensions, Cm 4179, 1998. 10 Child Support, Pensions and Social Security Act 2000. 11 Welfare Reform and Pensions Act 1999. 12 DSS, The Pension Credit: a Consultation Paper, Cm. 4900, 2000. 13 State Pension Credit Act 2002. 14 Wikely, Ogus & Barendt, The Law of Social Security (5th ed), Butterworths, 2002, p598. 15 DSS, The Pension Credit: the government s proposals (2002), p5. 16 DWP, Simplicity, security and choice: Working and saving for retirement, Cm 5677, 2002. 17 DWP, Simplicity, security and choice: working and saving for retirement: action on occupational pensions, Cm 5835. 2003. 18 DWP, Simplicity, security and choice: Informed choices for working and saving, Cm 6111, 2004. 19 Pension Commission, Implementing an integrated package of pension reform: The Final Report of the Pensions Commission, 2006. 20 DWP, Security in retirement: towards a new pensions system, Cm 6841, 2006. DWP, Personal Accounts: A New Way to Save, Cm 6975, 2006. 21 DWP, A New Deal for Welfare: Empowering people to work, Cm 6730, 2006. 22 Pensions Act 2007 23 DWP, Personal accounts: a new way to save, Cm 6975, 2006. 24 Pensions Act 2008 25 1995 Unemployment Benefit Jobseekers Allowance Claire Kilpatrik, The New UK Retirement Regime, Employment Law and Pensions, Industrial Law Journal, Vol. 37, No. 1, March 2008. DSS, A New contract for welfare: Partnership in Pensions, Cm 4179, 1998. DSS, The Pension Credit: a Consultation Paper, Cm. 4900, 2000. DSS, The Pension Credit : the government s proposals, 2002 DWP, A New Deal for Welfare: Empowering people to work, Cm 6730, 2006. DWP, Personal Accounts: A New Way to Save, Cm 6975, 2006. DWP, Security in retirement: towards a new pensions system, Cm 6841, 2006. DWP, Simplicity, security and choice: Informed choices for working and saving, Cm 6111, 2004. DWP, Simplicity, security and choice: Working and saving for retirement, Cm 5677, 2002. DWP, Simplicity, security and choice: working and saving for retirement: action on occupational pensions, Cm 5835. 2003. Gordon L Clark, The UK Occupational Pension System in Crisis, Hugh Pemberton, Pat Thane and Noel Whiteside (eds) Britain s Pension Crisis: History and Policy. Oxford University Press 2006. John Hills, A new pension settlement for the twenty-first century? The UK pensions commission s analysis and proposals, Oxford Review of Economic Policy vol. 22 no. 1, 2006 Michael Hill, Pensions, 2007, Policy press OECD, Pensions at a Glance: Public Policies Across OECD Countries 2005 Edition, 2005 Pension Commission, Implementing an integrated package 27
Winter 2009 No. 169 of pension reform : The Final Report of the Pensions Commission, 2006. Pension Provision Group, Pension provision and selfemployment, 2001. Richard Disney and Carl Emmerson, Public pension reform in the United Kingdom: what effect on the financial well being of current and future pensioners?, Paper Presented at British Association Festival of Science Exeter, September 7th 2004 Secretary of State for Work and Pensions, Building a society for all ages, Cm 7655, 2009. Wikely, Ogus & Barendt, The Law of Social Security (5th ed), Butterworths, 2002, p598. 5 2004 1 No. 2301 2004 46 29 2009 69 2006 5 2005 157 2006 6 1999 2004 2005 1603 16 2004 28