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Social Security claiming decision of married men and widow poverty

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Author Info

  • Sass, Steven A.
  • Sun, Wei
  • Webb, Anthony

Abstract

We find that most husbands claim Social Security before the ages that maximize the expected present value of their benefits. Although household benefits are only slightly reduced, the expected present value of widows’ benefits reduces by 17.7%, increasing their risk of poverty.

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File URL: http://www.sciencedirect.com/science/article/pii/S0165176513000268
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Bibliographic Info

Article provided by Elsevier in its journal Economics Letters.

Volume (Year): 119 (2013)
Issue (Month): 1 ()
Pages: 20-23

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Handle: RePEc:eee:ecolet:v:119:y:2013:i:1:p:20-23

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Web page: http://www.elsevier.com/locate/ecolet

Related research

Keywords: Social Security benefit; Widow’s survivor benefit; Claiming behavior; Widow poverty;

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References

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  1. Michael D. Hurd & James P. Smith & Julie M. Zissimopoulos, 2002. "The Effects of Subjective Survival on Retirement and Social Security Claiming," Working Papers wp021, University of Michigan, Michigan Retirement Research Center.
  2. Cathleen D. Zick & Karen Holden, 2000. "An Assessment of the Wealth Holdings of Recent Widows," Journals of Gerontology: Series B, Gerontological Society of America, vol. 55(2), pages S90-S97.
  3. Alicia H. Munnell & Alex Golub-Sass & Nadia Karamcheva, 2009. "Strange But True: Claim and Suspend Social Security," Issues in Brief ib2009-9-11, Center for Retirement Research, revised May 2009.
  4. Alicia H. Munnell & Alex Golub-Sass & Nadia Karamcheva, 2009. "Strange But True: Free Loan From Social Security," Issues in Brief ib2009-9-6, Center for Retirement Research, revised Mar 2009.
  5. Alicia H. Munnell & Alex Golub-Sass & Nadia Karamcheva, 2009. "Strange But True: Claim Social Security Now, Claim More Later," Issues in Brief ib2009-9-9, Center for Retirement Research, revised Apr 2009.
  6. Jeffrey Brown & Jeffrey B. Liebman & Joshua Pollet, 2002. "Appendix. Estimating Life Tables That Reflect Socioeconomic Differences In Mortality," NBER Chapters, in: The Distributional Aspects of Social Security and Social Security Reform, pages 447-458 National Bureau of Economic Research, Inc.
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