WILL THEY TAKE THE MONEY AND WORK? PEOPLE'S WILLINGNESS TO DELAY CLAIMING SOCIAL SECURITY BENEFITS FOR a LUMP SUM
WILL THEY TAKE THE MONEY AND WORK? PEOPLE'S WILLINGNESS TO DELAY CLAIMING SOCIAL SECURITY BENEFITS FOR a LUMP SUM
复制标题
DOI：
10.1111/jori.12173
复制
发表时间：
2018-12-01
影响因子：
1.9
通讯作者：
Schimetschek, Tatjana
中科院分区：
文献类型：
--
作者：
Maurer, Raimond;Mitchell, Olivia S.;Schimetschek, Tatjana
本文调查了交换社会保障延迟退休信贷，目前支付的终身福利的增加，一次性支付是否会导致后来的索赔和额外的工作。我们发现，人们会自愿要求约6个月后，如果一笔款项支付后，提前退休年龄，约8个月后，如果一笔款项只支付后，他们的完全退休年龄。总的来说，人们将工作三分之一到二分之一的额外月份。那些目前在最年轻时申请的人对一笔总付的提议反应最积极。
This article investigates whether exchanging Social Security delayed retirement credits, currently paid as increases in lifelong benefits, for a lump sum would induce later claiming and additional work. We show that people would voluntarily claim about 6 months later if the lump sum were paid for claiming after the early retirement age, and about 8 months later if the lump sum were paid only for those claiming after their full retirement age. Overall, people will work one-third to one-half of the additional months. Those who would currently claim at the youngest ages are most responsive to the lump sum offer.