| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w17018 |
| 来源ID | Working Paper 17018 |
| Framing Effects and Expected Social Security Claiming Behavior | |
| Jeffrey R. Brown; Arie Kapteyn; Olivia S. Mitchell | |
| 发表日期 | 2011-05-05 |
| 出版年 | 2011 |
| 语种 | 英语 |
| 摘要 | Eligible participants in the U.S. Social Security system may claim benefits anytime from age 62-70, with benefit levels actuarially adjusted based on the claiming age. This paper shows that individual intentions with regard to Social Security claiming ages are sensitive to how the early versus late claiming decision is framed. Using an experimental design, we find that the use of a "break-even analysis" has the very strong effect of encouraging individuals to claim early. We also show that individuals are more likely to report they will delay claiming when later claiming is framed as a gain, and when the information provides an anchoring point at older, rather than younger, ages. Moreover, females, individuals with credit card debt, and workers with lower expected benefits are more strongly influenced by framing. We conclude that some individuals may not make fully rational optimizing choices when it comes to choosing a claiming date. |
| 主题 | Microeconomics ; Behavioral Economics ; Households and Firms ; Public Economics ; National Fiscal Issues |
| URL | https://www.nber.org/papers/w17018 |
| 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/574692 |
| 推荐引用方式 GB/T 7714 | Jeffrey R. Brown,Arie Kapteyn,Olivia S. Mitchell. Framing Effects and Expected Social Security Claiming Behavior. 2011. |
| 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 | ||
| w17018.pdf（1595KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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