社会保障改革如何影响退休和养老金申领

IF 5.6 1区经济学 Q1 ECONOMICS

American Economic Journal-Economic Policy Pub Date : 2023-08-01 DOI:10.1257/pol.20200686

R. Lalive, Arvind Magesan, S. Staubli

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引用次数: 4

摘要

将完全退休年龄(FRA)提高一年的改革会导致养老金申领和退休延迟的时间比预期的要长，而使延迟申领更有利可图则会导致养老金申领延迟的时间比预期的要短。调查证据显示，人们将联邦退休年龄视为“正常”退休年龄，并倾向于将养老金申请和退休决定结合在一起，尽管这两项决定并没有通过社会保障条款结合在一起。有两种机制在起作用:养老金申领中的参照依赖与损失厌恶，以及养老金申领对退休选择的溢出效应。联邦铁路局的增加导致了大量的政府储蓄。(jh55, j26)

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How Social Security Reform Affects Retirement and Pension Claiming

A reform increasing the full retirement age (FRA) by one year leads to larger than expected delays in pension claiming and retirement, while making late claiming more lucrative leads to a smaller than expected delay in pension claiming. Survey evidence shows people view the FRA as the “normal” retirement age and prefer to couple pension claiming and retirement decisions together, even though these two decisions are not coupled through social security provisions. Two mechanisms are at work: reference dependence with loss aversion in pension claiming, and spillovers from pension claiming on retirement choices. The FRA increase leads to large government savings. (JEL H55, J26)

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来源期刊

American Economic Journal-Economic Policy ECONOMICS-

CiteScore

8.20

自引率

1.90%

发文量

期刊介绍： The American Economic Review (AER) is a general-interest economics journal. The journal publishes 12 issues containing articles on a broad range of topics. Established in 1911, the AER is among the nation's oldest and most respected scholarly journals in economics. American Economic Journal: Economic Policy publishes papers covering a range of topics, the common theme being the role of economic policy in economic outcomes. Subject areas include public economics; urban and regional economics; public policy aspects of health, education, welfare and political institutions; law and economics; economic regulation; and environmental and natural resource economics.