We find that younger generations in Sweden demand more social insurance compared with the older generations, although program rules have been constant for decades. The trend is strong, almost one % point higher take up per cohort, and robust across demographic groups. These trends in behavior...

Young generations demand substantially more social insurance than older generations, although program rules have been constant for decades. I postulate a model where the utility of taking up social insurance benefits depends on the past behavior of older generations. The model is estimated with...