My dad retired from Boeing at age 62 and lived another 24 years. I retired from there at age 64 and am still alive (as far as I know) at almost 67. I started taking SS as soon as I retired, because one rarely knows how long one has to live in the long term. Could have retired without it, but it provided a very good cushion. Yes, you get increased benefits each year you delay, but would the Federal government do something that was in your best interest instead of theirs??? Methinks not.
The interesting stat that she told me was Boeing only paid out the average of 18 months after an employee retired at 65.