Burkhauser R V, Couch K A, Phillips J W
Center for Policy Research, Syracuse University, NY 13244-1090, USA.
Gerontologist. 1996 Dec;36(6):789-99. doi: 10.1093/geront/36.6.789.
Using the 1992 and 1994 Waves of the Health and Retirement Survey, we compare individuals who first take Social Security benefits at age 62 with those who don't and find that the income and net assets of these two groups are similar in the years just prior to eligibility. However, there is great diversity within the groups, so that poor health appears to be more closely related to lower economic well-being than is early Social Security acceptance status. Our results suggest that raising the Social Security retirement age is not likely to dramatically lower the economic well-being of the typical person aged 62 since only 3% of men aged 62 are receiving Social Security retirement benefits, are in poor health, and have Social Security retirement benefits as their only source of pension income.
利用1992年和1994年的健康与退休调查数据，我们将62岁首次领取社会保障福利的个人与未领取的个人进行了比较，发现这两组人的收入和净资产在符合资格前几年相似。然而，组内存在很大差异，因此健康状况不佳似乎比提前接受社会保障的状况与较低的经济福祉关系更为密切。我们的研究结果表明，提高社会保障退休年龄不太可能大幅降低62岁普通人群的经济福祉，因为62岁男性中只有3%领取社会保障退休福利、健康状况不佳且将社会保障退休福利作为唯一养老金收入来源。
