benefit claiming

Subjective Expectations, Social Security Benefits, and the Optimal Path to Retirement

• April 22, 2020
• Susan Barnes
• Behavioral economics, benefit claiming, retirement savings, Social Security

Latent Work Capacity and Retirement Expectations

• November 22, 2019
• Susan Barnes
• benefit claiming, Cognition, Disability, Disability insurance, Health

How Would 401(k) ‘Rothification’ Alter Saving, Retirement Security, and Inequality?

• November 22, 2019
• Susan Barnes
• benefit claiming, pensions, retirement savings

Is the Adjustment of Benefits Actuarially Fair?

• November 4, 2019
• Susan Barnes
• benefit claiming, Financial well-being

Adjustments to benefits for individuals who delay claiming are designed to reward work and ensure equitable treatment between those who delay and those who claim early. Over the past 20 years, Social Security claiming ages have increased and become more…

2018 Key Findings

• July 15, 2019
• Susan Barnes
• Administrative data link, Affordable Care Act, Behavioral economics, benefit claiming, Cognition, Financial well-being, Health and Retirement Study, Health reform, International, Labor force participation, Labor Supply, Life-cycle model, Long-term care, Medicaid, Medicare, Mortality trends, OASDI trust funds, Older workers, Payroll taxes, pensions, Program interaction, retirement savings, Second career, Social Security, Social Security program communications, Social Security reform, Social Security spousal benefits, Supplemental Security Income, Totalization, Veterans

How Would 401(k) Rothification Influence Consumption, Saving, and Social Security Claiming Behavior?

• November 29, 2018
• Susan Barnes
• benefit claiming, pensions, retirement savings, Social Security reform

The US incentivizes retirement saving in 401(k) and similar retirement accounts by permitting workers to defer taxes on contributions; taxes are then levied only when retirees withdraw their funds. Yet the Treasury foregoes over $100B/year due to tax-deferred contributions to…

Behavioral Effects of Social Security Policies on Benefit Claiming, Retirement and Saving

• June 14, 2018
• Behavioral economics, benefit claiming, Health and Retirement Study, Payroll taxes, Retirement, retirement savings, Social Security

Behavioral Effects of Social Security Policies on Benefit Claiming, Retirement and Saving

• June 14, 2018
• Behavioral economics, benefit claiming, Health and Retirement Study, Payroll taxes, Retirement, retirement savings, Social Security

Behavioral Effects of Social Security Policies on Benefit Claiming, Retirement and Saving

• June 14, 2018
• Behavioral economics, benefit claiming, Health and Retirement Study, Payroll taxes, Retirement, retirement savings, Social Security

This paper specifies three behavioral variants of a structural model of retirement and saving to bring predicted Social Security claiming rates closer to the rates observed in the data. The model, estimated with Health and Retirement Study data, is used…

Does Delay Cause Decay? The Effect of Administrative Decision Time on the Labor Force Participation and Earnings of Disability Applicants

• June 14, 2018
• benefit claiming, Disability, Disability insurance, Labor force participation

An influential body of research studies the labor supply and earnings of denied Social Security Disability Insurance (SSDI) applicants to estimate the potential employment and earnings of those awarded benefits. This research design implicitly treats employability as a stable applicant…