FRAMING AND CLAIMING: HOW INFORMATION‐FRAMING AFFECTS EXPECTED SOCIAL SECURITY CLAIMING BEHAVIOR
通过随机实验发现，社会保障福利申领决策受信息框架强烈影响，与预期效用理论不符；使用“盈亏平衡分析”鼓励提前申领，而将延迟申领表述为收益则促使人们推迟，且申领年龄锚定在更晚的年龄。
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.