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This paper aims to find an adequate concept to evaluate the replacement rate of the latest retiree generation of 2010. Classic replacement rates fail to provide meaningful conclusions because they can only be calculated for around half the retirees. This paper proposes an alternative figure, the so-called life cycle replacement rate, which relates individuals’ pension payments to the average real income over their whole working history. In sum, work history related characteristics like marital status, income or retirement age strongly influence individuals’ replacement rates. Furthermore, women’s replacement rates particularly benefit from non-contribution based pension entitlements, e.g. for periods of child-raising.

Ersatzraten in der Gesetzlichen Rentenversicherung / Replacement Rates in the German Statutory Pension System