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The take-up of multiple means-tested benefits by British pensioners. Evidence from the Family Resources Survey

机译：英国养老金领取者通过多种经经济情况调查的福利。家庭资源调查的证据

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摘要

Non take-up of means-tested benefits among pensioners is of longstanding concern. It will assume increased importance from 2003 with the introduction of the new means-tested Pension Credit, which will subsume Income Support and to which about half of all pensioners are expected to be entitled. In this paper we use Family Resources Survey data spanning the period April 1997 to March 2000 to investigate patterns of take-up of the three main means-tested benefits to which pensioners may be entitled – Income Support (IS), Housing Benefit (HB) and Council Tax Benefit (CTB). We find that although 36% of pensioners in our sample are failing to claim their entitlements to at least one of these benefits, only 16% of non claimants are failing to claim amounts worth more than 10% of their income. The proportions by which claiming all entitlements would increase non-claimants’ incomes are more useful indicators than individual benefit take-up rates, of the effectiveness of means-tested benefits. In general take-up is high where entitlement is high. But there are exceptions to this which may reflect the claims process and/or a greater degree of social stigma associated with IS than with HB or CTB.
机译：长期以来，养老金领取者不接受经家庭测试的福利是令人关注的问题。从2003年开始，随着新的经过经济状况调查的退休金抵免的引入，它将变得越来越重要，该退休金将包括收入支持，并且预计将有大约一半的退休金领取者有资格使用。在本文中，我们使用1997年4月至2000年3月期间的家庭资源调查数据来调查领取养老金领取者有权获得的三项主要的经家庭经济检查的福利的方式-收入支持（IS），住房福利（HB）和理事会税收优惠（CTB）。我们发现，尽管我们样本中36％的养老金领取者没有要求获得其中至少一项福利，但只有16％的非索赔者没有要求提供超过其收入10％的金额。相对于个人受益率，对要求经济审查的福利的有效性而言，要求所有权利应增加非请求者收入的比例是更有用的指标。通常，在权利较高的地方，使用率很高。但是，有一些例外情况可能反映了索赔过程和/或与HB或CTB相比，与IS相关的社会耻辱程度更高。

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