<<need help in planning SS payments. At age 62 I'm trying to decide whether or not to take early payments or wait.>>

I recently met with my financial advisor. I had planned to wait till I had to take payments and get the higher monthly payment, since I won't need the SS amount at least to that point, if ever. My advisor did the arithmetic and showed me that between 62 and 70, I would get 43K that I could invest. The second part of the arithmetic was how long I would have to live to receive the same 43K in increased monthly payout. In my family, we don't live that long!
Bottom line--I'm taking it at 62. My sister's financial advisor had given her the same advice.