| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w23729 |
| 来源ID | Working Paper 23729 |
| Social Security Claiming Decisions: Survey Evidence | |
| John B. Shoven; Sita Nataraj Slavov; David A. Wise | |
| 发表日期 | 2017-08-28 |
| 出版年 | 2017 |
| 语种 | 英语 |
| 摘要 | While research shows that there are large gains in lifetime wealth from delaying claiming Social Security, most people claim at or before full retirement age. We fielded an original, nationally representative survey to gain insight into people’s rationales for their Social Security claiming decisions, their satisfaction with their past claiming decisions, and how they financed any gap between retirement and claiming. Common rationales for claiming Social Security before full retirement age include stopping work, liquidity, poor health, and concerns about future benefit cuts due to policy changes. Claiming upon stopping work and claiming at full retirement age appear to be viewed as social norms. But while Social Security claiming is strongly associated with stopping work, the roughly quarter of the sample who have a gap of two or more years between retirement and claiming used employer-sponsored pensions and other saving to finance the delay. Individuals who claimed at full retirement age are more satisfied with their claiming decisions than individuals who claimed early or delayed. There is little evidence that claiming decisions and rationales for claiming are correlated with financial literacy or knowledge of Social Security rules. |
| 主题 | Microeconomics ; Households and Firms ; Public Economics ; National Fiscal Issues ; Labor Economics ; Labor Supply and Demand |
| URL | https://www.nber.org/papers/w23729 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/581402 |
| 推荐引用方式 GB/T 7714 | John B. Shoven,Sita Nataraj Slavov,David A. Wise. Social Security Claiming Decisions: Survey Evidence. 2017. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w23729.pdf（4517KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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