Home » Il-Pensjonijiet u l-Parteċipazzjoni fis-Suq tax-Xogħol: 2023
L-istatistika mogħtija f’din l-istqarrija tal-aħbarijiet hija maħruġa mill-modulu ad hoc tal-Istħarriġ dwar is-Suq tax-Xogħol (LFS) imwettaq matul l-2023 u parzjalment iffinanzjat bʼgħotjiet tal-Unjoni Ewropea. L-LFS huwa stħarriġ imsejjes fuq il-familji u jintuża bħala għodda ta’ monitoraġġ madwar l-Unjoni Ewropea għall-assessjar tal-progress li jkun sar f’diversi sferi tal-istatistika tas-suq tax-xogħol u dik soċjali.
Ir-Regolament ta’ Implimentazzjoni tal-Kummissjoni (UE) 2020/1642 ħejja l-qafas legali għall-ġbir tal-istatistika dwar il-pensjonijiet u l-parteċipazzjoni fis-suq tax-xogħol, li tiffoka fuq individwi fl-età ta’ bejn il-50 u l-74 li jgħixu fi djar privati. L-għan ta’ dan il-modulu huwa li jistħarreġ it-tranżizzjoni mix-xogħol għall-irtirar, u jagħti data komparabbli dwar tipi varji ta’ pensjonijiet, l-età medja tal-irtirar, l-irtirar bikri, u l-istatus tal-impjieg tal-benefiċjarji.
Ir-riżultati tal-LFS urew li fl-2023, 55,713-il persuna fl-età ta’ bejn il-50 u l-74 sena kienu qed jieħdu pensjoni tax-xjuħija, li tinkludi pensjoni statutorja, pensjoni tas-servizz u pensjoni privata. Persuna tista’ tieħu aktar minn tip waħda ta’ pensjoni. L-aktar tip ta’ pensjoni komuni kienet il-pensjoni statutorja, jew waħedha jew flimkien ma’ pensjonijiet oħra. Fil-fatt, 96.4 fil-mija tal-benefiċjarji kollha tal-pensjoni sostnew li ħadu din il-pensjoni.
Xi impjiegi bħall-Pulizija, il-Forzi Armati, l-Uffiċjali tal-Protezzjoni Ċivili u l-Gwardjani tal-ħabs huma intitolati għal pensjoni tas-servizz malli jintemmu l-25 sena servizz. Fil-fatt, 12.3 fil-mija tal-benefiċjarji tal-pensjoni kienu qed jieħdu pensjoni tas-servizz, jew waħidha jew flimkien ma’ pensjonijiet oħra. Persentaġġ aktar baxx ta’ benefiċjarji tal-pensjoni (3.9 fil-mija) kienu qed jieħdu pensjoni privata. Din it-tip ta’ pensjoni tinkiseb meta persuna tinvesti minn jeddha fi skema ta’ pensjoni privata matul il-karriera tagħha, bil-għan li tiġġenera dħul ogħla mal-irtirar (Tabella nru 1, Ċart nru 1).
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Nota: L-għadd sħiħ tal-benefiċjarji tal-pensjonijiet mhuwiex daqs is-somma tal-kategoriji individwali minħabba li persuna tistaʼ tkun qed tieħu aktar minn tip waħda taʼ pensjoni.
Ir-riżultati tal-LFS urew li 63.0 fil-mija tal-benefiċjarji tal-pensjoni kienu tal-fehma li, inġenerali, saħħithom kienet tajba jew tajba ħafna. 31.1 fil-mija oħra rrappurtaw li s-saħħa ġenerali tagħhom kienet mhux ħażin, filwaqt li 5.9 fil-mija kienu tal-fehma li, inġenerali, saħħithom kienet ħażina jew ħażin ħafna.
Ġiet osservata differenza bejn is-sehem tal-pensjonanti rġiel u nisa. Fl-2023, madwar sitta minn kull 10 benefiċjarji tal-pensjoni kienu rġiel. Fil-fatt, kważi nofs l-irġiel kollha ta’ bejn il-50 u l-74 sena kienu qed jieħdu pensjoni, meta mqabbla ma’ 28.1 fil-mija biss tan-nisa (Tabella nru 2, Ċarts nri 2a u 2b).
Irġiel
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Nisa
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Kważi 70 fil-mija tal-benefiċjarji tal-pensjoni kienu kisbu livell sekondarju ta’ edukazzjoni jew inqas. 21.7 fil-mija oħra kisbu livell postsekondarju, filwaqt li 10.4 fil-mija kisbu livell terzjarju ta’ edukazzjoni.
Is-sehem tal-benefiċjarji tal-pensjoni żdied mal-età, influwenzat mill-età legali tal-irtirar. F’Malta, fejn l-età legali tal-irtirar hija ta’ 65 għal persuni li twieldu mill-1962 ’il quddiem, 78.2 fil-mija tal-persuni bejn il-65 u l-74 sena kienu qed jieħdu pensjoni. Is-sehem naqas bil-kbir għall-grupp ta’ bejn il-50 u l-64 sena, bi 13.5 fil-mija biss jieħdu pensjoni (Tabella nru 2).
Fl-2023, l-età medja tal-irtirar kienet ta’ 61.3 sena, ftit ogħla għan-nisa (61.8 sena) meta mqabbla mal-irġiel (61.0 sena). L-età medja varjat skont it-tip ta’ pensjoni: 61.5 sena għall-pensjonijiet statutorji, 61.7 sena għall-pensjonijiet privati, u 57.8 sena għall-pensjonijiet tas-servizz. Kważi l-benefiċjarji kollha tal-pensjoni statutorja tax-xjuħija (90.5 fil-mija) ħadu l-ewwel pensjoni tax-xjuħija tagħhom mingħajr ebda bonus jew penali (Tabelli nri 3 u 4).
Kważi disa’ minn kull 10 benefiċjarji tal-pensjoni ma kellhomx impjieg fiż-żmien tal-istħarriġ (85.7 fil-mija). Bil-maqlub, 64.0 fil-mija tal-persuni bejn il-50 u l-74 sena, li ma kinux qed jieħdu pensjoni fiż-żmien tal-istħarriġ, kienu qed jaħdmu (Tabella nru 2, Ċart nru 3).
Il-pensjonanti li jaħdmu
L-istimi tal-LFS juru li 7,991 persuna ta’ bejn il-50 u l-74 sena li jieħdu pensjoni tax-xjuħija kienu għadhom fl-impjieg matul il-ġimgħa ta’ riferenza tal-istħarriġ, b’70.9 fil-mija minnhom ikunu rġiel. L-aktar impjiegi komuni fost dawn il-pensjonanti li jaħdmu kienu fil-kategorija mhux manwali b’ħiliet għolja, li tinkludi maniġers, professjonisti, u tekniċi u professjonisti assoċjati, li jammontaw għal 35.7 fil-mija. It-tieni l-aktar impjiegi komuni kienu fil-kategorija mhux manwali b’livell baxx ta’ ħiliet, li tinkludi l-ħaddiema ta’ appoġġ u servizz klerikali u tal-bejgħ bi 30.9 fil-mija. Kważi nofs il-pensjonanti impjegati kollha kellhom livell sekondarju ta’ edukazzjoni jew inqas (48.3 fil-mija), filwaqt li 29.8 fil-mija oħra kienu kisbu livell postsekondarju ta’ edukazzjoni (Tabella nru 5, Ċart nru 4).
Sebgħa minn kull 10 pensjonanti li jaħdmu kienu impjegati. Il-maġġoranza tal-pensjonanti ħaddiema kienu qed jaħdmu fl-industrija tas-Servizzi (80.0 fil-mija). Din l-industrija tinkludi l-qasam tal-Kummerċ bl-ingrossa u bl-imnut, it-trasport u l-ħżin, l-akkomodazzjoni u l-attivitajiet ta’ servizz tal-ikel (24.8 fil-mija), l-Amministrazzjoni pubblika, id-difiża, l-edukazzjoni, is-saħħa tal-bniedem u l-ħidma soċjali (24.0 fil-mija) u Servizzi oħra (31.1 fil-mija). Bejn wieħed u ieħor, disgħa minn kull għaxar persuni li kienu qed jieħdu pensjoni tax-xjuħija kienu f’impjieg indefinit.
Bħala medja, il-pensjonanti li jaħdmu normalment kienu jaħdmu 31.2 siegħa fil-ġimgħa, b’51.3 fil-mija involuti f’impjieg part-time. Irġiel irtirati ħadmu ftit aktar sigħat min-nisa, b’medja ta’ 31.5 u 30.4 siegħa fil-ġimgħa, rispettivament (Tabelli nri 5 u 6).
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It-tranżizzjoni fis-suq tax-xogħol mat-teħid tal-pensjoni tax-xjuħija
Kważi nofs il-benefiċjarji tal-pensjoni (48.2 fil-mija) waqfu jaħdmu malli bdew jieħdu l-pensjoni tax-xjuħija tagħhom, b’perċentwal ogħla ta’ rġiel (50.4 fil-mija) meta mqabbla man-nisa (44.3 fil-mija). Barra minn hekk, ftit aktar minn terz tal-benefiċjarji kollha tal-pensjoni ma kinux qed jaħdmu meta bdew jieħdu l-pensjoni tax-xjuħija tagħhom għal diversi raġunijiet, bil-persentaġġ tan-nisa jkun 8.1 punti perċentwali ogħla (39.3 fil-mija) minn dak tal-irġiel (31.2 fil-mija) (Ċart nru 5).
Barra minn hekk, 17.7 fil-mija tal-benefiċjarji tal-pensjoni komplew jaħdmu wara li ħadu l-ewwel pensjoni tagħhom, bi 8.0 fil-mija minnhom jagħmlu xi bidliet fil-kundizzjonijiet tal-impjieg li kellhom qabel (Tabella nru 7).
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Aktar minn 40 fil-mija tal-benefiċjarji tal-pensjoni li komplew jaħdmu għamlu dan għall-flus, jew minħabba l-ħtieġa ta’ aktar dħul biex iżommu livell ta’ għajxien xieraq jew biex jaqilgħu flus żejda. 29.8 fil-mija oħra baqgħu jaħdmu għax kienu jieħdu gost fl-impjieg tagħhom jew riedu jibqgħu produttivi, filwaqt li 27.8 fil-mija baqgħu jaħdmu għal raġunijiet oħra bħaż-żamma ta’ konnessjonijiet soċjali jew għax is-sieħeb jew is-sieħba tagħhom kienu għadhom jaħdmu (Tabella nru 8).
Min-naħa l-oħra, 62.5 fil-mija tal-benefiċjarji tal-pensjoni waqfu mix-xogħol malli saru eliġibbli għall-pensjoni tagħhom. Barra minn hekk, 15.0 fil-mija temmew l-impjieg tagħhom malli laħqu l-età legali massima tal-irtirar, u 9.3 fil-mija ma baqgħux jaħdmu minħabba mard jew diżabbiltà (Tabella nru 9, Ċart nru 6).
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Il-Pensjoni tad-diżabilità u benefiċċji oħra perjodiċi fi flus għad-diżabilità
L-istimi tal-LFS juru li 2.2 fil-mija tal-persuni fi ħdan il-grupp ta’ bejn il-50 u l-74 sena kienu qed jieħdu pensjoni tad-diżabilità jew benefiċċji oħra perjodiċi fi flus, li jitħallsu lil persuni li ma jistgħux jidħlu f’impjieg full-time jew part-time regolari. L-età medja ta’ meta dawn il-persuni ħadu dawn il-benefiċċji għall-ewwel darba kienet ta’ 48.4 sena (Tabella nru 10).
Il-jedd għall-pensjoni tax-xjuħija
Kważi tlieta minn kull erba’ persuni bejn il-50 u l-74 sena, li ma kinux qed jirċievu pensjoni tax-xjuħija fl-2023, kienu qed jagħmlu provvedimenti finanzjarji bil-ħsieb li jieħdu pensjoni fil-ġejjieni. Dan kien ħafna aktar prevalenti fost l-irġiel (97.3 fil-mija) meta mqabbel man-nisa (55.0 fil-mija). Il-jedd għal pensjoni tax-xjuħija għal persuni li ma kinux qed jieħdu pensjoni fiż-żmien tal-istħarriġ kien ivarja skont il-grupp tal-età. Fil-fatt, 90.2 fil-mija tal-persuni bejn il-50 u l-54 sena rrappurtaw li huma intitolati għal mill-inqas pensjoni waħda fil-ġejjieni. Is-sehem kien ftit inqas fost il-kategoriji ta’ bejn il-55 u d-59 sena u bejn is-60 u l-64 sena, fejn 82.8 fil-mija u 74.9 fil-mija, rispettivament, sostnew li kienu intitolati għal pensjoni fil-futur (Tabella nru 11).
Kważi l-persuni kollha li kienu qed jagħmlu provvedimenti finanzjarji bil-ħsieb li jieħdu pensjoni tax-xjuħija fil-ġejjieni sostnew li sa jieħdu pensjoni tax-xjuħija statutorja (97.2 fil-mija). 9.5 fil-mija oħra kienu intitolati għal pensjoni personali, filwaqt li 3.5 fil-mija kienu intitolati għal pensjoni tas-servizz malli jilħqu l-età legali tal-irtirar (Tabella nru 12, Ċart nru 7).
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Nota: L-għadd sħiħ taʼ provvedimenti tal-pensjoni mhuwiex daqs is-somma tal-kategoriji individwali minħabba li persuna tistaʼ tikkontribwixxi għal aktar minn tip waħda taʼ pensjoni.
1. The data provided in this release is based on the Commission Implementing Regulation (EU) 2020/1642 specifying the technical characteristics of the 2022 ad hoc subject ‘job skills’ and the eight-yearly variables on ‘pension and labour market participation’ in the labour force domain in accordance with Regulation (EU) 2019/1700 of the European Parliament and of the Council. The data was partly financed through EU grants.
2. During 2023, the ad hoc module was carried out on a sample of persons taking part in the LFS survey for the first and fourth time. The target population comprised individuals aged 50 to 74 years living in private households during the reference period.
3. The Labour Force Survey (LFS) is carried out on an ongoing basis using a quarterly gross sample of 3,200 private households. The objective is to have a continuous assessment of labour market trends given that the reference weeks are evenly spread throughout the 13 weeks of the quarter. One-fourth of the sample is made up of households who have been selected to participate in the LFS for the first time. Three-fourths of the quarterly sample is made up of households who were selected to participate in the survey in previous instances, either one quarter before, or one year before, or one year and a quarter before (2-(2)-2). All criteria used for this survey match international methodologies used by the International Labour Organisation (ILO).
4. The LFS is designed to satisfy the concepts and definitions as outlined by Eurostat. This allows the comparability of results with other EU member states and countries following ILO definitions of employment and unemployment. Occupations are classified according to the ISCO-08 classification (International Standard Classification of Occupations) whereas the economic activity is classified according to NACE Rev. 2 (Nomenclature générale des Activités économiques dans les Communautés Européennes). Education attainment is classified according to ISCED 2011.
5. Definitions:
● Disability benefit: refers to an income which is provided to persons below the legal retirement age whose ability to work and earn money is impaired by a physical or mental disability. It also includes rehabilitation services and early retirement benefits.
● Early retirement pension: refers to persons who retire before their legal retirement age.
● Educational attainment:
secondary or less level of education: comprising persons with no schooling, primary education, schools for children with special needs and persons who attained a secondary level education and have less than 2 ordinary level qualifications or equivalent. In the context of the ISCED classification, this includes ISCED 0 to 2;
post-secondary level of education: comprising persons with a secondary level education and having 2 ordinary level qualifications or equivalent or more, and persons with a post-secondary level attainment who have obtained at least 1 intermediate or advanced level qualification or equivalent. In the context of the ISCED classification, this refers to ISCED 3 and 4;
tertiary level of education: comprising persons with a tertiary level education and with qualifications ranging from diploma to doctorate level. In the context of the ISCED classification, this refers to ISCED 5 to 8.
● Employed persons: all persons aged 15 to 74 years, who during the reference week, were in one of the following categories:
worked for at least 1 hour for pay or profit, including contributing family workers and paid casual work;
persons with a job or business who were temporarily not at work during the reference week but had an attachment to their job, including;
(a) persons not at work due to holidays, working time arrangements, sick leave, maternity or paternity leave;
(b) persons in job-related training or formal education;
(c) persons on parental leave, either receiving and/or being entitled to job-related income or benefits, or whose parental leave is expected to be 3 months or less;
(d) seasonal workers during the off-season, where they continue to regularly perform tasks and duties for the job or business, excluding fulfilment of legal or administrative obligations;
(e) persons temporarily not at work for other reasons where the expected duration of the absence is 3 months or less.
unpaid family workers: refers to people who worked without pay in a family business or farm. Excluded from this definition are housewives.
● Health: refers to the self-perceived state of health and includes different dimensions of health, such as physical and emotional functioning, mental health and biomedical signs and symptoms.
● Occupation:
highly skilled non-manual: refers to ISCO 08 group codes 1 to 3 (Managers, Professionals and Technicians and associate professionals);
low skilled non-manual: refers to ISCO 08 group codes 4 and 5 (Clerical support workers and Service and sales workers);
skilled manual: refers to ISCO 08 group codes 6 to 8 (Skilled agricultural, forestry and fishery workers, Craft and related trades workers and Plant and machine operators and assemblers).
● Pensions: refers to regular payments, typically received monthly, and including individuals who receive pensions from abroad. The following types of pensions are included:
statutory pension: refers to an income provided by the Department of Social Security and it is based on an individual’s employment history.This category includes: Decreased National Minimum Pension, Increased Retirement Pension, National Minimum Pension/Increased National Minimum Pension, Retirement Pension, Two-thirds Pension, Old-age Pension, Foreign Pensions;
occupational pension: is a pension paid to public officers who joined the Public Service of Malta prior to 15 January 1979. Police, Armed Forces, Civil Protection Officers and Prison Guards are entitled to an occupational pension upon completion of 25 years of service. For the scope of this module, occupational pensions were considered as one type of old age pensions;
personal pension: refers to any plan, fund, or private scheme where individuals voluntarily invest throughout their life to generate additional income upon retirement. These pensions are typically managed by a pension fund or financial institution and do not include life insurance policies;
disability pension: Payable to individuals who are permanently unable to engage in suitable full-time or regular part-time employment. Examples include Invalidity Pension, Injury Pension, Decreased national invalidity pension, Increase injury pension, National minimum invalidity pension, Blind pension, Disability/Severely Disability Pension. Once the age of this recipient reaches the legal retirement age, s/he should be considered as receiving an old age pension.
● Pension with reduction in case of anticipated pension benefit: refers to a person who left the labour market before the time he/she was entitled to his/her “full” pension benefit and thus received a decreased pension.
● Pension with bonus due to retirement deferment: refers to a person who kept working to get an increased rate which is obtainable if he/she retires after the requirements to receive a “full” pension benefit are met.
● Retirement age: refers to the age at which individuals first received their pension . The retirement age varies based on the year of birth for different cohorts:
before 1952: Men: 61 years; Women: 60 years (Option 61 years);
in 1952 to 1955: 62 years;
in 1956 to 1958: 63 years;
in 1959 to 1962: 64 years;
from 1962 onwards: 65 years.
6. Key
: Unreliable – less than 20 sample observations.
U Under represented – between 20 and 49 sample observations.
7. Percentage totals may not add up due to rounding.
8. Absolute changes between one survey estimate and another must be treated with caution since minor changes (i.e. less than 2,500 persons) might be the result of sampling error.
9. More information relating to this news release may be accessed at:
Sources and Methods
Statistical Concepts
Metadata
ISCO Classification
NACE Classification
ISCED Classification
10. References to this news release are to be cited appropriately. For guidance on access and re-use of data please visit our dedicated webpage.
11. A detailed news release calendar is available online.
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L-implimentazzjoni tal-modulu tal-2023 tal-Istħarriġ dwar is-Suq tax-Xogħol (LFS) fuq il-Pensjonijiet kien parzjalment iffinanzjat mill-Unjoni Ewropea.