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August 12, 2026Journal of Risk & Insurance

Delaying pension claims: A comprehensive examination of normal pension age, financial incentives, and work opportunities

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Authors

TKTomoki KitamuraKNKunio Nakashima

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Overview

Randomized trial evaluates delayed pension claims implications for middle-aged Japanese workers, suggesting effective policies.

Key Points

  • This research examines how to encourage delayed public pension claims in aging societies.
  • Survey-based experiments targeting Japanese workers aged 40-59
  • Evaluation of financial incentives—tax disincentives, lump-sum payments, and actuarial adjustments
  • Assessment of raising normal pension age (NPA) from 65 to 67 with varied framing-based approaches.
  • Raising the NPA delays claims by 1.1 years on average
  • Work opportunities contribute to a 0.5-year delay in claims
  • Financial incentives alone have limited effects, with combined packages being more politically feasible.

Cite This Study

Kitamura et al. (2026) studied this question.

synapsesocial.com/papers/6a7c20a306a85aed514b7770https://doi.org/10.1111/jori.70073
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Also Consider

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  1. 1Health status, life expectancy and early claiming of pension2024 · 2 citations
  2. 2Delayed Social Security Claiming: Why Do So Few Participants Delay Claiming Past Age 65?2024
  3. 3Delayed retirement, pension insurance and income inequality2024
  4. 4Population Aging and the Retirement Age2024 · 6 citations
  5. 5Optimal Design of Raising Retirement Age2024