Revisiting Retirement and Social Security Claiming Decisions
Neha Bairoliya; Kathleen McKiernan · 2026 · The Review of Economic Studies
WASTE classifies this as Negative / Null Result Report · AI classification, approximate
The study found no significant effect — useful as a negative control or null benchmark for your own design.
Abstract
Abstract The structure of the Social Security program presents a trade-off between benefit duration and size; individuals who claim early receive lower monthly payments. Surprisingly, even wealthy Americans with high life expectancies frequently claim benefits at the earliest eligibility age, a behavior inconsistent with conventional life-cycle theory predictions. In fact, there is a striking similarity in claiming ages across groups with vastly different life expectancies, wealth levels, and incentives to delay. This paper resolves this puzzle by introducing policy details and subjective beli
Abstract by Neha Bairoliya; Kathleen McKiernan, The Review of Economic Studies (2026) — licensed CC BY 4.0.
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Metadata source: OpenAlex · DOI 10.1093/restud/rdag107