Pension reductions: can welfare be preserved by delaying retirement?
Pension reductions: can welfare be preserved by delaying retirement?
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养老金削减：延迟退休能否保住福利？
DOI：
10.1017/s1474747207003265
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发表时间：
2007
影响因子：
1.2
通讯作者：
Marie‐Eve Lachance
中科院分区：
文献类型：
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作者：
Marie‐Eve Lachance
摘要经济和人口压力可能导致社会保障系统和雇主在未来减少他们的养老金。在这种情况下，延迟退休是否有助于保护福利？我们研究这个问题的生命周期框架，其中包括从休闲的效用。我们的模型的一个独特之处在于，它让退休日期是内生确定的，除非首先出现外部约束或冲击。通过求解这个模型，我们发现，在合理的情况下，延长工作时间对减轻养老金减少对福利的负面影响几乎没有作用。在我们的模型的基础上，我们提出了提高旨在诱导和延长工作寿命的政策有效性的战略。
Abstract Economic and demographic pressures may lead Social Security systems and employers to reduce their pensions in the future. Can delaying retirement help preserve welfare in that context? We examine this question with a life-cycle framework which includes the utility from leisure. One unique feature of our model is that it lets the retirement date be endogenously determined, unless an external constraint or shock applies first. By solving this model we find that, in reasonable scenarios, working longer does little to mitigate the negative impact of pension reductions on welfare. Building on our model, we suggest strategies to enhance the effectiveness of policies designed to induce and enable longer working lives.