Dynamics of Personal Social Security & Pension Knowledge

个人社会保障动态

• 批准号: 6937133
• 负责人: SUSANN ROHWEDDER
• 金额: $ 8.58万
• 依托单位: RAND CORPORATION
• 依托单位国家: 美国
• 财政年份: 2004
• 资助国家: 美国
• 起止时间: 2004-08-15 至 2008-07-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/6937133
• 关键词: aging; behavioral /social science research tag; clinical research; disability insurance; expectancy; human data; information seeking behavior; psychometrics; retirement

DESCRIPTION (provided by applicant): Whether people reach retirement with adequate resources is a major concern. Several studies investigated this issue by looking at economic outcomes; others focused on retirement planning activities, or workers' pension knowledge at a moment in time. However, little is known about the time-path of individual information on Social Security and pensions and to what extent people acquire more information as they approach retirement. This research takes a dynamic approach studying the evolution of individuals' expectations about their Social Security and pension benefits and subsequent receipts observed in the Health and Retirement Study. It will study time-trends in expected benefits from Social Security and private pensions and compare them to observed outcomes in subsequent waves; assess how respondents account for inflation in their answers about expected benefit receipts; investigate the relation of expected starting ages of benefit receipt with expected retirement ages; assess the importance of uncertainty and its evolution as people approach retirement by considering trends in item non-response, focal responses and anchoring bias; and investigate how poor knowledge relates to bad retirement outcomes. It will explore possible implications of the observed patterns in the dynamics of personal Social Security and pension knowledge for behavioral models of information acquisition.

描述（由申请人提供）：人们是否使用足够的资源退休是一个主要问题。几项研究通过研究经济成果来调查这个问题。其他人则专注于退休计划活动，或者一时的工作人员的养老金知识。但是，关于社会保障和养老金的个人信息的时间段以及人们在退休后获得更多信息的程度知之甚少。这项研究采用了一种动态方法，研究了个人对社会保障和养老金福利的期望以及在健康和退休研究中观察到的收入的期望。它将研究社会保障和私人养老金的预期收益的时间趋势，并将其与随后的波浪中观察到的结果进行比较；评估受访者如何解释有关预期收益收入的答案的通货膨胀；调查预期收益收入与预期退休年龄的预期启动年龄的关系；通过考虑项目无响应，局灶性反应和锚定偏见的趋势，评估不确定性及其演变的重要性及其演变；并研究知识差与不良退休结果的关系。它将探讨在个人社会保障和养老金知识的动态中，对信息获取行为模型的养老金知识的可能含义。