In view of the failures made in the past, the necessity of a reform of the old-age pension scheme is pointed out and biblically proved. The new positions of women and men demand ·the organization of an independent social protection of the housewife and mother, the decrease in births the further development of the two-generations-contract to a three-generations-contract. The commonly agreed old-age pension ·reform of 1992 is measured against these elaborated exigencies and criticized in crucial points at issue.