Journal of Public Economics · 2023 · Esteban García‐Miralles、Jonathan M. Leganza
中文摘要
我们研究夫妻共同退休及其背后的决定因素。首先，我们使用丹麦全体人口数据和断点设计，考察达到提前养老金领取资格年龄时的共同退休现象。每100名在达到养老金领取资格时退休的个体中，约有8人的配偶会调整自身行为，与其同时退休。接下来，我们探究其作用机制。我们首先论证，我们的估计结果主要由闲暇互补性所解释。随后，我们考察异质性以及夫妻共同退休所采取的路径。我们发现，年龄差异是共同退休的一个基本决定因素；其原因在于，年龄较大的配偶会推迟退休和领取养老金待遇，直至较年轻的伴侣也达到养老金领取资格年龄。我们还发现，女性的反应大于男性，次要收入者的反应大于主要收入者。最后，我们表明，一项提高领取资格年龄的改革引致了类似的共同退休溢出效应。
Abstract
We study joint retirement and its underlying determinants. First, we use full-population data from Denmark and a discontinuity design to document joint retirement at the early pension eligibility age. For every 100 individuals who retire when they reach pension eligibility, around 8 of their spouses adjust their behavior to retire at the same time. Next, we investigate mechanisms. We begin by arguing that our estimates are explained primarily by leisure complementarities. We then explore heterogeneity and pathways couples take to retire together. We find that age differences are a fundamental determinant of joint retirement, which is driven by older spouses waiting to retire and claim pension benefits until their younger partners reach pension eligibility as well. We also show that females respond more than males and that secondary earners respond more than primary earners. Finally, we show that a reform increasing eligibility ages induced similar joint retirement spillovers.