The Use of Libertarian Paternalism in Pension Policies and Automatic Enrolment in Private Pension Programmes

In the last two, three decades, welfare reforms have been characterized by a new understanding of active welfare notion through which the relation between welfare and work is redefined. Citizens are required to take more responsibility for their own welfare through either showing their readiness for being employed for any job and/or relying on private solutions in access to welfare services and benefits. This study takes the example of pension reforms to account for how active welfare notion shapes pension programmes through new innovative policy interventions, that is, automatic enrolment, implemented to extend the coverage of private pensions. Automatic enrolment is a nudge form of policy strategy informed by the assumptions of behavioural approach/libertarian paternalism. Although libertarian paternalism is known to be a liberty preserving and welfare enhancing approach in public policies, in pension policies the policy outcome has been further individualization of risk and financialization through funded pension schemes.

Emeklilik Politikalarında Libertarian Paternalizmin Kullanılması ve Özel Emeklilik Programlarında Otomatik Katılım Sistemi

Son yirmi, otuz yıl içinde refah reformları, çalışma ve refah alanlarının yeniden tanımlandığı aktif refah anlayışı temelinde yeniden tanımlanmaktadır. Bu anlayışa göre vatandaşlardan çalışmaya ve herhangi bir işe hazır olmaları ya da refah fayda ve hizmetlerine erişimde daha fazla özel çözümlere dayanmaları beklenmektedir. Bu çalışma, aktif refah anlayışının özellikle otomatik katılım gibi yeni stratejiler yoluyla, özel emeklilik sisteminin kapsamını genişletilmesi örneği üzerinden emeklilik reformları üzerindeki etkisini ele almaktadır. Otomatik katılım dürtme temelli bir politika müdahalesi olarak davranışsal yaklaşım/özgürlükçü paternalizmin etkisiyle geliştirilmiş bir sistemdir. Özgürlükçü paternalizm kamu politikalarında özgürlükleri koruyan, vatandaşların refahını önceleyen bir iddiayasahip olsa da emeklilik politikalarında yansımaları büyük oranda özel emeklilik piyasalarında risklerin bireyselleşmesi ve fona dayanan, özel emeklilik şemaları yoluyla finansallaşma olmuştur.

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