When I was 65, I was planning to wait until at least 67 to collect SS because I didn't feel I needed it. I went to the local SS/Medicare office because I had a question about Medicare. I lucked out by getting a rep close to my age when my number was called. After answering my question about medicare, he asked me if I had filed for Social Security yet. I told him No. With 2 quick math problems on his computer.He showed me why I shouldn't have waited past 62, and showed me how much money I had already left on the table, and how much more I would be leaving on the table if I waitedany longer to file. Needless to.say, I filed right then for Social Security.
