If you’re 62 and not working, you would be crazy to not take it.
As the Government goes broke they will find a way to reduce or eliminate benefits.
When I was 62 there was that mandated Obama care. I took my ss just to cover the cost of an individual plan. There were hardly any jobs after I had been laid off so going back to work and getting benefits was little chance. Health insurance premiums were very high for anything half decent. So about 85 percent of my total check covered the insurance invoice every month til I turned 65 and went on Medicare. So I live the rest of my life getting less due to Obama.
Exactly my point about getting YOUR money back quickly. Does anyone on this thread trust the Fedgov NOT to reduce SS payments? As stated above, it would take me to about 73 to lose the benefit of applying at 62. I'm 70 and at 73, I still get my original payment, providing it's not reduced or changed into some other pyramid scream by the Fedgov.
Take it as soon as you can. It's your money, and with the Trillions for Covid, I suspect the Feds will be looking at ways to counter those costs.