I am turning 62 next month and I have already applied. Why? Because I will be over 78 when I reach a break even point.
And all that hype about people living till the over 80 and many into the 90's and beyond is not backed up by the numbers. According to the NIH, based on DEATH CERTFICATES, men average just over 78 and women three years longer.
If you keep an eye on the obits you will see that you see just a few lasted longer than 80.
The government wants you to be greedy or afraid, or both. They want you to delay taking SS until you are 66 or even older. I am amazed that they even try to force you to take it at 70! If so many people are living to 100 then why not wait until you are 80? You would get around double or more than at 62 right?
I say go with what is best for you. Not everyone should wait for 66 or later. My wife died at 54, she did not draw a single dime.
