I’ll be 62 in a few months. I’m divorced, living with my son, and I have health issues.
I’m taking the earliest retirement I can.
Nobody lives forever.
If you are no longer contributing to your social security account,
there is no reason to wait beyond the earliest retirement age,
because your benefit will never increase if you are no longer working.
Have you applied for social security disability? I retired at 62 and have an arthritic neck. I could still work at another job other than the one I retired from after 32 years. While filing for my benefits the social security rep suggested I try for disability. 60 days later I was approved and I began drawing at the full 67 year old rate (plus $700/month). Depending on your issues, it can’t hurt trying.
That's what I did 7 years ago and have no regrets. A major health issue forced me to stop working this year. The govt actuaries are counting on you to drop dead before you collect dime one. Good luck with your health.
I did the same thing, started SS at 62. The payouts are designed so that regardless of what age you start receiving social security, each person’s lifetime payout will be the same. At least as the actuaries figure it.