@article{Schmauk, author = {Schmauk, Sarah}, title = {Pathways to retirement in West Germany: Does divorce matter?}, series = {Advances in Life Course Research}, volume = {60}, journal = {Advances in Life Course Research}, issn = {1569-4909}, doi = {10.1016/j.alcr.2024.100595}, abstract = {The aim of this paper is to explore how divorce is linked to pathways to retirement in West Germany and to understand whether and how patterns are gendered. Using German pension insurance data, I employ sequence and cluster analysis to map and group pathways to retirement of women and men who retired in 2018. Pathways to retirement are defined based on monthly pension insurance histories from age 50 to 65. I find nine distinct pathways to retirement, ranging from unemployment to stable low to high income pathways and to an early retirement pathway through the reduced-earnings-capacity pension, the latter representing 9.3\% of the sample. Based on multinomial logistic regression models, I analyse how marital status, distinguishing between divorced and (re)married, was related to different pathways to retirement. The results show that divorced people were more likely than married people to retire through indirect and unstable pathways to retirement characterised by early exit from the labour market and receipt of reduced-earnings-capacity pensions and/or unemployment benefits. Whereas the relationship between divorce and pathways to retirement seemed to be overall unfavourable for men, the results for women are more ambiguous. Divorced women were also more likely to retire through a stable high-income pathway than married women. Nevertheless, the results suggest that divorce is associated with an early retirement pathway through the reduced-earnings-capacity pension for both women and men.}, language = {en} } @article{SchmaukKridahl, author = {Schmauk, Sarah and Kridahl, Linda}, title = {Who receives the most? Gendered consequences of divorce on public pension income in West Germany and Sweden}, series = {Ageing and Society}, journal = {Ageing and Society}, doi = {10.1017/S0144686X23000703}, pages = {1 -- 24}, abstract = {Sweden and West Germany have had persistently high divorce rates in recent decades, but these two welfare states were differently equipped to mitigate the economic consequences of divorce for individual security in old age: Sweden followed a gender-equal policy approach to enable women and men to achieve economic autonomy, while West Germany, following the male-breadwinner model, introduced the system of 'divorce-splitting' to account for differences in women's and men's income. Against this background, this study uses large-scale register data from the German Public Pension Fund and the Swedish population registers to examine how divorce is related to the monthly public old-age pension income of women and men. The main comparison groups are divorced and (re)married individuals who entered retirement between 2013 and 2018. We descriptively show annual income histories from ages 20 to 65, and calculate monthly public old-age pension income with respect to lifetime income and pension regulations, such as the supplements/deductions for 'divorce-splitting'. Multiple ordinary least square regression models further examine how family status relates to monthly public old-age pension income by gender. The results reveal that women and men in Sweden experience similar working histories, although women's incomes are lower. This is also reflected in women still having lower pension incomes than men. However, divorced and married women show comparable pension incomes, while divorced men receive approximately 26 per cent less pension income than married men. In West Germany, divorced women have significantly higher pension incomes than married women. The system of 'divorce-splitting' increases women's and decreases men's pension incomes, which seems to equalise their pension incomes. However, both stay below a married man's pension income. The findings indicate economic inequality in public old-age pension income by family status in Sweden and West Germany.}, language = {en} }