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Improving understanding of the retirement earnings test

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  • Rabinovich, Lila
  • Perez-Arce, Francisco

Abstract

This paper presents results from an online experiment that tested the effect of simple, concise information on respondents' knowledge of the rules of Social Security's Retirement Earnings Test (RET). We find that a straightforward, simple information treatment has a large effect on knowledge of the RET and on prospective choices regarding working and claiming benefits. We tested two additional information treatments that provided more comprehensive information and used illustrative examples. One of the additional treatments used only text, while the other one included a visual tool. Our results suggest that the additional treatments did not further improve knowledge; the simplest intervention yielded the same effect as the more comprehensive ones.

Suggested Citation

  • Rabinovich, Lila & Perez-Arce, Francisco, 2021. "Improving understanding of the retirement earnings test," Journal of Pension Economics and Finance, Cambridge University Press, vol. 20(4), pages 496-503, October.
    • Handle: RePEc:cup:jpenef:v:20:y:2021:i:4:p:496-503_5
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