My husband owned his own insurance company and when he turned 62 he checked into taking SS early. He found out that the difference wasn't that great in the long run and if he retired at 62 he was in good health and we could do what we wanted to do now instead of waiting and possibly not being in good health by the time 65 rolled around.You have to check on the difference between taking it now and waiting for 3 years. If you have enough money to live comfortably adding SS to your monthly income then it would be worth considering. If you will just be living on the edge and can't go and do anything anyway, then that should be taken into account also. It is a very personal thing and no two families are alike. These are just a few things to consider before making a decision. Lu
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