In a nutshell: If your healthy and don't absolutely need the cash, wait.
Accoring to the SSA, the typical 62-year-old man should live until 81, while the life expectancy for a 62-year-old woman is 84. Collecting social security at age 62 cuts your annual benefit by about 25% compared with what you'd get if you waited. The best stragetgy for many couples is for the wife to take social security at 62 and the husband to wait. This is because she can inherit her husband's larger check later.
To get a more precise handle on your benefits, visit the Social security Administration's Quick Benefits calculator at ssa.gov/OACT/quickcalc.
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