Optimal social security claiming behavior under lump sum incentives : theory and evidence
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| 245 | 0 | 0 | $aOptimal social security claiming behavior under lump sum incentives$b: theory and evidence$cRaimond Maurer...[et al.] |
| 520 | $aMany Americans claim Social Security benefits early, though this e aves them with lower monthly payments throughout retirement. We build a lifecycle model that closely tracks claiming patterns under rules, and we use it to predict claiming delays if, by delaying benefits, people were to receive a lump sum instead of an annuity. We predict that current early claimers would defer claiming by a year given actuarially fair lump sums, and the predictions conform with respondents' answers to a strategic survey about the lump sum. In other words, such a reform could provide an avenue for encouraging delayed retirement without benefit cuts or tax increases. Moreover, many people would still defer claiming even for smaller lump sums. | ||
| 650 | 4 | $0MAPA20080578107$aSeguridad Social | |
| 650 | 4 | $0MAPA20080552114$aPensiones | |
| 650 | 4 | $0MAPA20200019183$aAnualidad variable | |
| 650 | 4 | $0MAPA20080550592$aEncuestas | |
| 650 | 4 | $0MAPA20080554927$aJubilación | |
| 700 | 1 | $0MAPA20080662974$aMaurer, Raimond H. | |
| 773 | 0 | $wMAP20077000727$tThe Journal of risk and insurance$dNueva York : The American Risk and Insurance Association, 1964-$x0022-4367$g01/03/2021 Volumen 88 Número 1 - marzo 2021 , p. 5-27 |