Ray I will say it again you are misleading people. While you do CYA by saying SS in not clear about COLAs on the initial amount if one delays benefits after age 62 - those COLAs are present and real. So why not run your spread sheet either without any COLA or apply them to the delayed benefit?I happen to be a person who actually started benefits at age 62 and used the "Do Over" option before it was essentially removed. I can say with certainty the COLA factor is present.The net result of this is the break even age is roughly 80.5 years if one neglects interest earned - not unreasonable for people who actually start at age 62.If you doubt this, call 800-772-1213 and ask them yourself.
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