Start Altersvorsorge Deutsches Rentensystem beutet unsere Kinder und Kindeskinder aus

Deutsches Rentensystem beutet unsere Kinder und Kindeskinder aus

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243

Rente - Altersarmut

Studie belegt massive Benachteiligung unserer Kinder beim Rentensystem

(Berlin, 27.01.2014) Das deutsche Rentensystem ist – entgegen der ursprünglich einmal zugedachten Alterssicherungsfunktion aufgrund der erbrachten Lebensarbeitsleistung – geprägt von zahlreichen Unsicherheiten und mangelndem Vertrauen der Bevölkerung in ihre Sicherheit und Wertigkeit. Eine jüngst veröffentlichte Studie der Bertelsmann Stiftung zeigt nun sogar auf, dass unsere Kinder Zehntausende Euro an Rentenbeiträgen bezahlen, die sie später niemals wieder als Rente ausgezahlt bekommen. Zusammengefasst kommt die Studie zu dem Schluss, dass Familien mit Kindern aufgrund der enormen, finanziellen Belastungen besonders benachteiligt sind. So hat eine berechnete Projektion ergeben, dass ein heute 13-jähriges Kind in seinem Leben etwa 77.000 Euro mehr an Rentenbeiträgen einbezahlt, als es wieder herausbekommen wird. Noch höher werden diese Zahlen, wenn man die künftig zu erwartenden Kinder unserer Kinder einbezieht – derzeit geplante Änderungen des Rentensystems sind dabei kaum bis gar nicht dazu geeignet, diese Negativentwicklung abzubremsen.
Doch gerade Familien mit Kindern sind doch diejenigen, die besonders auf das Rentensystem angewiesen sind – doch von Seiten der Politik ist scheinbar wenig Einsehen zu erwarten, denn die gesamte Konstruktion der bisherigen, umlagefinanzierten Rente kann so nicht funktionieren und wird trotzdem nicht selten als tragbar propagiert.

Fehler im System

Gerade bei vorhandenen Kindern müssen die erwerbstätigen Eltern neben den Sozialversicherungsbeiträgen viele Mittel in die Kindererziehung und die altersgerechte Versorgung stecken. Doch die möglichen Erleichterungen (z. B. bei den Steuern) hierfür berücksichtigen nur einen geringen Teil dieser zusätzlichen Kosten. Die derzeitige Rücklage im Rentensystem von etwa 31 Milliarden Euro wird nicht ausreichen, um die kommenden Generationen altersgerecht abzusichern – noch nicht einmal die eingezahlten Gelder werden wieder zur Auszahlung kommen. Damit steigt die Belastung noch weiter, statt eine Entlastung zu schaffen. Derzeit scheinen Kinder noch immer das Risiko für eine starke Altersarmut zu erhöhen, statt es zu mindern. Viele Rentenexperten sind sich daher einig, dass das derzeitige Rentensystem dringend reformiert werden muss. Ein Vorschlag ist beispielsweise die Einführung einer Art „Kinderfreibetrag“ nach steuerlichem Vorbild auch für das Rentensystem. Hierbei würden Familien mit Kindern während der Erwerbstätigkeit finanziell entlastet, ohne dass dabei Ansprüche an die Rentenleistung verlorengingen. Dies bedeutet freilich, dass Steuergelder für die Finanzierung bereitgestellt werden müssten. Ein anderer Vorschlag zielt auf die Kombination verschiedener Bausteine zur Rentenberechnung ab – z. B. mit Anteilen aus einer Basisrente, einer Kinderrente und einem Sparbetrag.

Schrumpfung und Alterung der Gesellschaft müssen aufgefangen werden

Auch eine Rentenreform kann die Auswirkungen des demografischen Wandels nur bedingt abfangen. Tragen müssen diese Last die übrig bleibenden Beschäftigten. Derzeit geht man davon aus, dass im Jahr 2050 etwa doppelt so viele Rentner wie heute auf einen Erwerbstätigen kommen. Derzeit kommen etwa 3 Rentenempfänger auf 10 Erwerbstätige – bald werden es also 6 Rentenempfänger sein. Zudem schrumpft die Gesellschaft im Ganzen weiter. Die absolute Zahl der Beschäftigten verringert sich also ebenfalls weiter. Trotzdem wäre eine Umverteilung zu Gunsten der Familien mit Kindern notwendig – einerseits um eine größere Gerechtigkeit zwischen Kinderlosen und Familien mit Kindern herzustellen und andererseits, um die Atmosphäre für eine Erhöhung der Geburtenzahlen wieder freundlicher zu gestalten. Die Zahlen zur Entwicklung der Geburten sind alles andere als neu und sollten doch schon lange die Alarmglocken läuten lassen: Seit Anfang der 60er-Jahre bis heute werden im Vergleich nur noch etwa halb so viele Babys geboren!

Kinder müssen Rentner und ihre eigenen Kinder finanzieren

Der hohe Grad der Ausbeutung unserer Kinder liegt insbesondere in dem Sachverhalt, dass sie nicht nur durch ein ungerechtes Rentensystem um ihre finanziellen Arbeitsverdienste gebracht werden, sondern dass die ebenfalls ungerecht verteilte Doppelbelastung für den Familienunterhalt zusätzlich von der Familie geschultert werden muss. Eltern sind jedoch in unserer Gesellschaft diejenigen, welche den so dringend benötigten Nachwuchs für das Rentensystem „produzieren“ – belohnt wird das aber nicht, im Gegenteil. Erziehungszeiten, die im Rentensystem berücksichtigt werden, machen oft nur einen Bruchteil des Rentenverlustes aus, den ein Kind im Laufe seines Erwerbslebens an das Rentensystem verliert. Rechnet man alles zusammen, machen die derzeitigen Erleichterungen für Familien (wie z. B. Elterngeld, Betreuungsgeld, Kindergeld, Krippenplätze etc.) den erlittenen Verlust für merklich höhere Belastungen (im Vergleich zu Kinderlosen) bei der Steuer- und Abgabenlast bei Weitem nicht wett. Auch das Bundesverfassungsgericht hat bereits in mehreren Stellungsnahmen darauf hingewiesen, dass den Erziehungsleistungen von Familien mit Kindern im deutschen Renten- und Pflegeversicherungssystem nicht ausreichend Rechnung getragen wird. Demnach sollten Erziehungsleistungen wie Beitragszahlungen behandelt werden und damit die Bevorteilung von Kinderlosen beenden.

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