Das System der Arbeitslosenversicherungskonten am Beispiel Chiles
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Inhaltsangabe: Zusammenfassung: Die vorliegende Arbeit beschäftigt sich insbesondere am Beispiel Chiles mit Arbeitslosenversicherungskonten (Unemployment Insurance Savings Accounts) als einer Form kapitalgedeckter Arbeitslosenversicherung. Dabei handelt es sich um ein System mit persönlichen Konten, auf die die Versicherten ihre Beiträge einzahlen und von denen sie im Falle der Arbeitslosigkeit Leistungen beziehen können. Das angesparte Guthaben wird am Ende des Erwerbslebens an den Versicherten vollständig ausgezahlt. Durch diese Internalisierung der Kosten der Arbeitslosigkeit werden diejenigen Versicherten finanziell belohnt, die selten oder gar nicht arbeitslos sind. Die Finanzierung der Arbeitslosigkeit aus den eigenen Ersparnissen schafft den Anreiz, sich um schnelle Wiedereinstellung zu bemühen und damit persönliche Ressourcen zu schonen. Die bisherige Literatur zum Thema beschäftigt sich hauptsächlich mit der Darstellung von theoretischen Modellen und fiktiven Berechnungen, ob sich eine Umstellung auf UISA aus einem bisherigen System lohne. Ziel der vorliegenden Arbeit ist es hingegen, anhand einer umfassenden Diskussion der wichtigsten theoretischen Modellansätze, sowie der Charakteristika des 2002 in Chile in der Praxis eingeführten Systems, einen Überblick über diese Form der Arbeitslosenversicherung zu geben. Mit Hilfe von Praxisdaten der staatlichen chilenischen Aufsichtsbehörde über die Arbeitslosenversicherung (SAFP), die eine Auswertung der Einführungsphase ermöglichen, soll hier eine Bewertung des Systems bezüglich der Realisierbarkeit in der Praxis vorgenommen werden. Die Arbeit beginnt mit einer Diskussion der Notwendigkeit staatlicher Arbeitslosenversicherung im Vergleich zu freiwilliger Vorsorge und privater Absicherung. Daran schlie t sich eine Darstellung der Behandlung der Unemployment Insurance Savings Accounts (UISA) in der wichtigsten Literatur an, wobei neben einer ausführlichen Diskussion der Vor- und Nachteile Rentabilitätsberechnunge
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