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사학연금 가입자들을 위한 점진적 퇴직제도의 도입방안에 관한 연구

  • Lee, Jeong-U
    • Journal of Teachers' Pension
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    • v.2
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    • pp.47-102
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    • 2017
  • 오늘날 대다수의 선진 국가들은 고령화 사회에 대비하여 자국의 노후소득보장 제도를 대대적으로 개혁해 오고 있다. 우리나라의 경우에서도 지난 2015년 사학연금제도의 개혁이 이러한 취지에 해당될 수 있을 것이다. 본 연구에서는 고령화 사회의 문제가 단순히 노인부양비용의 증가 그 자체가 아니라, 평균수명의 증가에도 불구하고 늘어나게 된 노후의 삶에 대한 시간적 배분이 근로와 여가에 걸쳐 균형적으로 이루어지지 않고, 사회적 부양을 필요로 하는 노후의 여가만 일방적으로 늘어나고 있다는 점을 문제점으로 지적하였다. 따라서 이러한 차원에서 볼 때 고령화 사회의 문제는 생애근로기간의 연장을 통해서만 효과적으로 극복할 수 있을 것으로 생각된다, 하지만 이와는 반대로 개인별로 건강상태나 가족상황 등의 이유로 생애근로주기의 연장이 불가능한 사람들을 위하여 별도의 제도적 장치가 추가적으로 마련되어야 할 것이다. 종합해 보면, 고령화 사회의 노동시장 문제는 개인별로 다양한 욕구나 능력을 반영하여 각자에게 다양한 선택권을 보장해 줄 수 있는 방향으로 개선되어야 할 필요가 있다. 본 연구에서는 고령화 사회에 대비하여 연금수급연령 상향조정의 필요성을 사학연금제도를 중심으로 살펴보고, 대신 그로 인해 발생할 수 있는 소득공백문제와 연금가입경력 공백문제 등 제반의 충격을 흡수할 수 있는 제도적 장치로서 점진적 퇴직제도의 도입방안을 제안하였다. 개략적으로 사학연금제도에 있어서 점진적 퇴직모형은 법정연금수급연령의 인상 일정에 따라 다음과 같이 운영하는 방안을 제안하였다. 먼저 법정연금수급연령이 60세로 유지되는 2022년까지의 단기적 대책으로서 여기서 점진적 퇴직의 자격연령은 모든 가입자에게 60세로 적용하도록 한다. 이 경우 가입자들의 신분구분에 따라 각각 교수 5년, 교원 2년(문제해결에 대한 정책적 의지에 따라 이행구간을 확장할 수도 있음) 그리고 교직원 0년의 조기의 점진적 퇴직이 허용되므로, 현재 교원이나 교수의 임용대란문제에 효과적으로 대응을 할 수 있는 장점이 있다. 다음으로는 2023년 이후 2033년 사이 법정연금수급연령의 인상단계에 해당되는 기간 동안의 대책으로서 여기서는 교수, 교원, 교직원에게 적용되는 정년연령과 매년도 법정연금수급연령 사이의 기간을 조기의 점진적 퇴직 이행구간으로 정하도록 한다. 그리고 이러한 이행구간에 상당하는 기간만큼 후기의 점진적 퇴직 이행구간을 별도로 설정하여 그에 적절한 혜택이 주어질 수 있도록 한다. 마지막으로 2033년 이후부터는 교수, 교사, 교직원의 신분구분 없이 모두에게 적용되는 사항으로서 65세를 기준으로 그 이전의 5년은 사학연금의 적용을 받는 조기의 점진적 퇴직 그리고 그 이후의 5년은 국민연금의 적용을 받는 후기의 점진적 퇴직이 이루어질 수 있도록 한다. 그리고 전체 10년의 점진적 퇴직 이행구간 동안 개인별로 퇴직시점이나 퇴직형태의 선택이 자유롭게 이루어질 수 있도록 하기 위하여 보험수리의 원칙에 입각한 감액률 또는 가산율의 엄격한 적용을 제안하였다. 그리고 고령계층이 자신의 근로시간을 단계적으로 단축할 수 있도록 하고, 그 과정에서 발생하게 되는 소득의 감소부분은 별도의 제도적 방법(가교연금, 시간가치적립계정 등)으로 충당하도록 하는 방안을 제안하였다. 나아가 점진적 퇴직제도의 운영방식은 근로시간의 단축뿐만 아니라 작업부담의 경감 등에 대해서도 인정을 해주도록 해줌으로써 임금피크제도의 기능과 연계가 가능할 수 있도록 할 것을 제안하였다.

Income Inequality of the Aged: Trends and Factor Decomposition (노인 소득의 불평등 추이와 불평등 요인분)

  • Shon, Byong-Don
    • 한국노년학
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    • v.29 no.4
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    • pp.1445-1461
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    • 2009
  • The primary purpose of this study is to find policy implications by examining the trends in income inequality of the Korean aged and factors contributing to these. For analysis, this study used the 2nd, 5th, 7th and 9th wave of 'Korean Labour and Income Panel Study'. The findings are as follows. First, total income inequality of the elderly rose greatly after 1998 and is decreasing after 2001. Secondly, the Gini coefficient decomposition by income sources shows that earned income was the factor most responsible for the income inequality of the elderly. But its influences of the elderly income inequality is gradually decreasing during analysing periods. Third, assets income and public pensions have a great effects on the elderly income inequality. They increases the income inequality of the elderly households. Forth, interfamily transfer income and public assistance income reduces income inequality of the elderly.

Factors Associated with Body Mass Index(BMI) Among Older Adults: A Comparison Study of the U.S., Japan, and Korea (노인의 체질량지수에 관련된 요인 연구: 미국, 일본, 한국 비교를 중심으로)

  • Yeom, Jihye;Kim, Jung Ki;Crimmins, Eileen M.
    • 한국노년학
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    • v.29 no.4
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    • pp.1479-1500
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    • 2009
  • This study examined BMI distributions among older adults in three different countries: the U.S., Japan, and Korea. The paper also explored differences in the factors predicting BMI in the three countries using three data sets: the U.S. Longitudinal Study of Aging (LSOA II, 8,589 persons), the Nihon University Japanese Longitudinal Study of Aging (NUJLSOA, 2,888 persons), and the Korean Longitudinal Study of Ageing (KLoSA, 2,397 persons). Descriptive analysis and multiple regression were performed. Japanese older adults were somewhat lighter than Koreans with fewer people at the upper end of the BMI distribution. Distributions of BMI among both Koreans and Japanese are shifted leftward relative to Americans. There is less dispersion in the distribution of BMI for Koreans and Japanese than among Americans. The association between socioeconomic variables and BMI is stronger in the U.S. and Japan than in Korea. Demographic variables are strong predictors of BMI in Korea. In Japan, all health behaviors have significant effects on BMI. It is concluded that the relationships between behavioral, demographical, and socioeconomic factors and BMI are not the same across countries. Results have policy implications for the involvement of health practitioners in helping older adults to control weight.

The Effect of Motivation and Social Support on Burden of Spouse Caregivers: Focused on Gender Differences (배우자 부양자의 부양 동기, 사회적 지지와 부양 부담: 성별 차이를 중심으로)

  • Han, Gyoung-Hae;Lee, Seo-youn
    • 한국노년학
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    • v.29 no.2
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    • pp.683-699
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    • 2009
  • Family caregiving to the elderly is one of the most important social issues in recent Korea. Among various kinds of family caregivers, spouse caregivers particularly constitute a special group, generally characterized by continuous intimate association with the care recipients at many levels and by special commitments and responsibilities associated with the marriage bond. And the number of spouse caregiver is expected to increase in the future. Moreover, since a conjugal relation is consisted of husband and wife, their caregiving experiences and caregiving burden may vary by gender. Thus, the present study was to examine the effect of caregiving experience, especially caregiving motivation and social support focusing on the gender differences. We analysed 「2001 Survey of Care-giving Status and welfare Needs of Older Persons in Korea」 data by performing descriptive statistics, t-test and logistic regression. As a result, we found that the husband was likely to feel more burden when he started caregiving because of few alternatives. For wife caregivers, the less awareness of social support they had, the more possibility of economic burden they felt. With these results, we suggest the necessity of having gender-sensitive perspective in research and policy making for caregivers.

The Effects of the transfer Income on Poverty Decrease of Grandparents-grandchildren Households: Comparing Grandparents-grandchildren with Living Alone, Couple, and Living with Adulthood Children (조손가구 이전소득의 빈곤감소 효과: 조손가구, 독거노인가구, 노인부부가구, 자녀동거가구 비교)

  • Min, Kichae
    • 한국노년학
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    • v.31 no.2
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    • pp.321-341
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    • 2011
  • The purpose of this study is to examine income composition elements, poverty rate, and the effects of the transfer income on poverty decrease comparing grandparents-grandchildren households with living alone, couple, and living with adulthood children. Data come from the first(2005) and the second(2007) Korean Retirement and Income Study(KReIS) and the effects of poverty decrease is examined through reconstruction of LIS income definition. The main findings are as follows. First, the total income of the grandparents-grandchildren in 2006 is the lowest and about one-fourth of the households living with adulthood children. Second, the labor income of all households are increasing but the only grandparents-grandchildren's labor income is decreasing. Third, three of ten in grandparents- grandchildren households are in poverty, the poorest households's type is the grandparents-grandchildren in 2006. Fourth, four of ten in grandparents-grandchildren is able to escape poverty after including private and public transfer income. Especially, the effects of the public transfer income in grandparents-grandchildren households is lower in 2006 than in 2004, thus the role of public income security is strongly needed. Existing research was that the poorest type among the elderly group was the living-alone households, but this results show that grandparents -grandchildren households are the poorest group. Thus, income security policy is highly needed for poor skipped-generation households.

Life History of the Socially Isolated Male Elderly Living Alone (남성 독거노인의 생애사를 통해 본 사회적고립)

  • Lim, Seung Ja
    • 한국노년학
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    • v.39 no.2
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    • pp.325-345
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    • 2019
  • The purpose of this study is a exploratory study for understanding the process of the social isolation of the socially isolated elderly through the approach to their life history. The research was analyzed by one of the methods of qualitative research on life history, the conceptual framework of 'Dimensions, turning, and adaptation' of Mandelbaum(1973). According to the results of this study, the socially isolated elderly people were found to be socially isolated by experiencing complex difficulties such as family disconnection, poverty, poor job and health deterioration. Specifically, in the area of life, there was experience of poor relationship with parent, absence of family, poverty of family and unfavorable relationship with surrounding people in life with original family before isolation. They had bad jobs in the labor market, such as hard labor, delivery, business, and chores. In the area of turning point, we experienced family break due to the separation of the original family and the spouse due to various reasons such as financial crisis, parental divorce and death, spouse affair, economic difficulty. In a transitional stage in the life, many reasons such as the financial crisis, the death of parents, the extramarital affair and economic difficulties led to the disconnection from their original family and their spouses. In an adaptive phase, participants accepted the changed life at each turning point in their lives, carrying out their roles, compromising and trying to adapt properly. He said that their current life, which has entered the social safety net system of the people's basic recipients, has led him to live a more stable life and is adapting to personal hobbies and vicarious satisfaction through networks. This result is somewhat different from previous studies in which isolated elderly people were severely exposed to the risk of depression and loneliness. However, we should also consider the characteristics of this study that interviewed elderly people with relatively low isolation. Based on the results of this research, he presented various practical policy implications.

Understanding Factors Associated with Unmet Need for Outreach Community Health Service among Older Adults in Seoul (노인 방문건강관리 서비스 미충족 영향요인: 서울시 찾아가는 동주민센터 사업을 중심으로)

  • Shon, Changwoo;Lee, Seungjae;Hwang, Jongnam
    • 한국노년학
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    • v.39 no.2
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    • pp.213-229
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    • 2019
  • The purpose of this study was to examine various factors influencing the needs of Seoul's newly implemented outreach community services for older adults, and to suggest the direction of the outreach community health services in Seoul. A multi-level regression was conducted using data collected by face-to-face interviews from 1,000 individuals aged 65 and 70 in 17 districts, where participated in the Seoul's outreach community services. The results demonstrated that socioeconomic status (higher income and living alone), health status (having multiple chronic conditions and depression, lower health literacy), limited experience of the outreach community services, and low government trust at the individual level were associated with higher unmet need for the community outreach services. In addition, shorter participation period of the outreach services and financial independency at the district level were associated with higher unmet need for the services. The findings from this study implies the need for improving the quality of services by focusing on vulnerable groups such as individuals with lower income and worse health status. In addition, the outreach community health services may need to target individuals aged 66 to increasing efficiency of the services through utilizing results of life-cycle health checkup by the National Health Insurance Corporation.

Effects of Old-age Income Level on Life Satisfaction: Focusing on Effects of the Relative Income of Reference Groups (노후 소득수준이 생활만족도에 미치는 영향: 준거집단의 상대소득 효과를 중심으로)

  • Kim, Hakju
    • 한국노년학
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    • v.39 no.1
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    • pp.169-188
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    • 2019
  • In this study, the author utilizes longitudinal data of the recent 12 years to verify whether the absolute versus relative income of old age has a significant effect on their life satisfaction of life. The findings of this study show that there is a significant difference in life satisfaction of old age according to respondents' relative income of three reference groups based on their asset quintile and residental area and education. In the correlation analysis using the cross-sectional data, the absolute and relative income level was closely related to the life satisfaction. In the panel regression analysis using the 12 years longitudinal data from the Korea National Labour Panel dataset, the income level of counterparts in those reference groups appeared highly significant in determining the level of life satisfaction of the elderly. However, some demographic variables such as age and marital status did not have a statistically significant effect in the long-term perspective. The income of reference groups in terms of asset levels, education and region as well as their own past life satisfaction level had a significant effect on the elders' life satisfaction determination. These results suggest that the relative income hypothesis in terms of life satisfaction among the elderly is more valid than the previous absolute income hypothesis.

The Effects of Anxiety about Economic Well-Being in Old Age on Problem Drinking among Middle-aged Adults: Focusing on the Moderating Effects of Social Support (중장년층의 경제적 노후불안이 문제음주에 미치는 영향: 사회적 지지의 조절효과를 중심으로)

  • Kang, Sion;Kang, Sorang;Moon, Sangho
    • 한국노년학
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    • v.39 no.4
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    • pp.763-780
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    • 2019
  • The purpose of this study is to examine whether middle-aged people's anxiety about economic well-being in old age affects problem drinking and to verify whether there is relationship between anxiety about economic well-being in old age and to examine the problem drinking could be mitigated by social supports. We used the 2015 Korean Adults' Psycho-Social Anxiety Survey data. To detect the moderating effect of social supports, we employed a method of hierarchical multiple regression analysis. The result of the study showed that the higher the anxiety about economic well-being in old age among middle-aged adults, the higher was the likelihood of problem drinking. Moreover, the relationship between anxiety about economic well-being in old age and problem drinking could be moderated by social supports. Based on the empirical findings, this study suggests that education to deal with middle-aged people's anxiety about economic well-being in old age should be developed and recommends that counseling and community programs for social supports to be implemented as a preventive approach.

Effects of Positive Psychological Capitals on Service Quality and Mediating Effect of Job Satisfaction in Professional Care Workers (요양보호사의 긍정심리자본이 서비스 질에 미치는 영향과 직무만족의 매개효과 검증)

  • Lee, mun-jae;Cho, Choon-Bum;Kim, Jung-Hwa
    • 한국노년학
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    • v.39 no.3
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    • pp.531-548
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    • 2019
  • The purpose of this study is to provide basic data in order to improve service quality based on empirical analyses about a relationship among positive psychological capitals, service quality, and job satisfaction of professional care workers under the Long-Term Care Insurance in South Korea. In this study, total 430 numbers of the workers who were currently working in nursing homes for the elderly at the cities of Ansan, Anyang, Bucheon, and Kwangmyeong in Gyeonggi Province, South Korea, participated in self-report questionnaires. Only 393 questionnaires were used for the final analyses after excluding the ones that neither were not returned nor didn't completed it all. These are major results. First, positive psychological capitals affect positively on service quality. Second, job satisfaction works as a mediating effect in the process of positive psychological capitals affect on service quality. Based on above results, it is possible to suggest it as down below. First, it is required to have policies that will be helpful for both positive psychological capitals and capacity building through human resource management in systematic approaches. Second, it is also required to acknowledge that having positive psychological capitals is effective to improve both their job satisfaction and service quality. Therefore, it is necessary to change environmental circumstances in relevant institutions where this acknowledgement will be applied.