Thanks for posting the entire article!
One more thing to consider for those who don’t need the money and are considering waiting. TAKE IT ANYWAY - invest it, grow it and when you turn 70 you can pay back the exact amount SS gave you, keep what you earned and grew all those years and then qualify for the higher age 70 payment you would have received had you waited.
OOPS! Wrong info... you can collect for up to a year, change your mind, pay back what you collected to that point and be eligible for the higher amount that the year bought you.
I really doubt this is permitted by Social Security (taking it at 62 and paying it all back at 70 as though you never got it in the first place), though I could be wrong. It doesn’t make sense though because first of all you’d be paying taxes on a good portion of it since you’d apparently be living on other income, and few investments will return the percentage that Uncle Sam takes away.
Basically, though, I doubt SS will let you do it anyway.