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Framing and Claiming: How Information-Framing Affects Expected Social Security Claiming Behavior.

ABSTRACT: This paper provides evidence that Social Security benefit claiming decisions are strongly affected by framing and are thus inconsistent with expected utility theory. Using a randomized experiment that controls for both observable and unobservable differences across individuals, we find that the use of a "breakeven analysis" encourages early claiming. Respondents are more likely to delay when later claiming is framed as a gain, and the claiming age is anchored at older ages. Additionally, the financially less literate, individuals with credit card debt, and those with lower earnings are more influenced by framing than others.

SUBMITTER: Brown JR

PROVIDER: S-EPMC5453649 | biostudies-literature | 2016 Mar

REPOSITORIES: biostudies-literature

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Framing and Claiming: How Information-Framing Affects Expected Social Security Claiming Behavior.

Brown Jeffrey R JR Kapteyn Arie A Mitchell Olivia S OS

The Journal of risk and insurance 20130710 1

This paper provides evidence that Social Security benefit claiming decisions are strongly affected by framing and are thus inconsistent with expected utility theory. Using a randomized experiment that controls for both observable and unobservable differences across individuals, we find that the use of a "breakeven analysis" encourages early claiming. Respondents are more likely to delay when later claiming is framed as a gain, and the claiming age is anchored at older ages. Additionally, the fin ...[more]

PMID: 28579641

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