Time to retire: Why Americans claim benefits early & how to encourage delay

by Melissa A. Z. Knoll, Kirstin C. Appelt, Eric J. Johnson, & Jonathan E. Westfall
February 15, 2017

Supplemental Material

Author Note

Melissa A. Z. Knoll is now at the Consumer Financial Protection Bureau Office of Research. Jonathan E. Westfall is now at the Division of Counselor Education & Psychology at Delta State University. Support for this research was provided by a grant from the Social Security Administration as a supplement to National Institute on Aging Grant 3R01AG027934-04S1 and a grant from the Russell Sage/Alfred P. Sloan Foundation Working Group on Consumer Finance. The views expressed in this article are those of the authors and do not represent the views of the Social Security Administration. This article is the result of the authors’ independent research and does not necessarily represent the views of the Consumer Financial Protection Bureau or the United States. The authors thank participants at the Second Boulder Conference on Consumer Financial Decision Making for comments.

Author Affiliation

Knoll, Office of Retirement Policy, Social Security Administration; Appelt, Johnson, and Westfall, Center for Decision Sciences, Columbia Business School. Corresponding author’s e-mail: [email protected]


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