DataSheet1_Occupation-Based Life Expectancy: Actuarial Fairness in Determining Statutory Retirement Age.docx

This study examines occupation-based differences in life expectancy and the extent to which health accounts for these differences. Twentyseven-year survival follow-up data were used from the Dutch population-based Longitudinal Aging Study Amsterdam (n = 2,531), initial ages 55–85 years. Occupation was based on longest-held job. Results show that the non-skilled general, technical and transport domains had an up to 3.5-year shorter life expectancy than the academic professions, accounting for the compositional characteristics age and gender. Statutory retirement age could be made to vary accordingly, by allowing a proportionally greater pension build-up in the shorter-lived domains. Health accounted for a substantial portion of the longevity difference, ranging from 20 to 66%, depending on the health indicator. Thus, health differences between occupational domains today can be used as a means to tailor retirement ages to individuals’ risks of longevity. These data provide a proof of principle for the development of an actuarially fair method to determine statutory retirement ages.

本研究探讨了基于职业分类的预期寿命差异，以及健康因素在多大程度上可解释此类差异。本研究使用了荷兰以人群为基础的阿姆斯特丹纵向衰老研究（Longitudinal Aging Study Amsterdam）的27年生存随访数据，共纳入2531名初始年龄为55至85岁的研究对象。职业分类基于研究对象从事最久的工作。结果显示，在控制年龄与性别构成特征的前提下，非技能通用、技术及运输领域的职业人群预期寿命较学术类职业人群最高缩短3.5年。可据此调整法定退休年龄，在预期寿命较短的职业领域允许按比例提高养老金积累额度。健康因素可解释长寿差异中的相当一部分比例，根据健康指标的不同，该比例介于20%至66%之间。因此，当前不同职业领域间的健康差异，可作为根据个体长寿风险定制退休年龄的依据。本数据集为开发一种精算公平的法定退休年龄确定方法提供了原理验证。