<<I wonder what an actuary would say about this issue using good data? Someone must have studied the issue in an unbiased way.Plus, you get to make the decision based on your personal knowledge of family health history and your knowledge of your own heath and physical condition. That should allow a reasonable person to improve the odds of making a favorable decision quite a bit.>>Of course, every decision is a personal one. I was only referring to the situations that were pretty straight forward and where a simple present value calcuation was appropriate. I've done somewhere close to 15 of them and in each case the age 62 option was clearly the better. The only major item that may make a later age better would be if there was a huge improvement in life expectancy. As it is now, assuming normal life expectancy makes the earlier age the supperior choice.GlennRim
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