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20 percent reduction benefit reduction Blinder Boskin Burkhauser Burtless changes in expected collar conditional expectation conditional logit model delayed retirement disability benefits Disabled and Nondisabled Economics eligibility equation expected transfer Government Transfers Haveman Health Factors Mobile income for individual increase Institute for Research labor force participation least squares males aged mean individual National Tax Journal Nondisabled Adults Nontransfer Income NT number of early OASI and SSDI OASI benefits OASI option OASI or SSDI OASI SSDI observed ordinary least squares Policy Simulations Poverty University presents the results probits readily to changes receive SSDI benefits reductions in OASI regressions Research on Poverty Respiratory respond more readily Responses to Social retirement decision sample significant social insurance social security disability Spouse nonearner Spouse present SSDI options Survey of Disabled t-statistic coef Top grade Total Family Income transfer and nontransfer transfer income trichotomous conditional logit two-tail test University of Wisconsin-Madison unknown parameters