Dynamics of Personal Social Security & Pension Knowledge

个人社会保障动态

• 批准号: 6809364
• 负责人: SUSANN ROHWEDDER
• 金额: $ 8.38万
• 依托单位: RAND CORPORATION
• 依托单位国家: 美国
• 财政年份: 2004
• 资助国家: 美国
• 起止时间: 2004-08-15 至 2006-07-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/6809364
• 关键词: aging; behavioral /social science research tag; clinical research; disability insurance; expectancy; human data; information seeking behavior; psychometrics; retirement

DESCRIPTION (provided by applicant): Whether people reach retirement with adequate resources is a major concern. Several studies investigated this issue by looking at economic outcomes; others focused on retirement planning activities, or workers' pension knowledge at a moment in time. However, little is known about the time-path of individual information on Social Security and pensions and to what extent people acquire more information as they approach retirement. This research takes a dynamic approach studying the evolution of individuals' expectations about their Social Security and pension benefits and subsequent receipts observed in the Health and Retirement Study. It will study time-trends in expected benefits from Social Security and private pensions and compare them to observed outcomes in subsequent waves; assess how respondents account for inflation in their answers about expected benefit receipts; investigate the relation of expected starting ages of benefit receipt with expected retirement ages; assess the importance of uncertainty and its evolution as people approach retirement by considering trends in item non-response, focal responses and anchoring bias; and investigate how poor knowledge relates to bad retirement outcomes. It will explore possible implications of the observed patterns in the dynamics of personal Social Security and pension knowledge for behavioral models of information acquisition.

描述（由申请人提供）：人们在退休时是否拥有足够的资源是一个主要问题。一些研究通过观察经济结果来调查这个问题；其他人则关注退休计划活动或工人的养老金知识。然而，人们对社会保障和养老金个人信息的时间路径以及人们在临近退休时获得更多信息的程度知之甚少。本研究采用动态方法研究个人对其社会保障和养老金福利的期望的演变以及健康和退休研究中观察到的后续收入。它将研究社会保障和私人养老金预期福利的时间趋势，并将其与后续浪潮中观察到的结果进行比较；评估受访者在回答预期福利收入时如何考虑通货膨胀因素；调查预期领取福利起始年龄与预期退休年龄的关系；通过考虑项目无反应、焦点反应和锚定偏差的趋势，评估不确定性的重要性及其随着人们临近退休而演变的情况；并调查缺乏知识与不良退休结果之间的关系。它将探讨个人社会保障和养老金知识动态中观察到的模式对信息获取行为模型的可能影响。