Benjamin Grimm wrote: =metirish post_id=148776 time=1710257166 user_id=72] Why so ? The longer you wait to collect, the greater your monthly benefit. You should only collect at 62 if you absolutely need the money, or if you have strong reason to suspect that you won't live to be 80. My mother in law did this, short sighted as usual, and now gets by on a pittance of a monthly check, with no real savings to speak of.