I can see what you're saying. I calculated my benefits from 62, 66 and 70 to 80 years old. If I delayed to 66 I would have about 15000 more in total benefits than 62 and 25000 less if I waited until 70. I'm pretty healthy so I don't think there is any way I could file for disability even if they didn't fight it.
“If I delayed to 66 I would have about 15000 more in total benefits than 62”
Wrong... you are giving up 4 years or 48 months benefits at 80% If you got $1,000 per month at age 66 and only $800 at 62, you are giving up $800 X 48 months or $38,400 by delaying.