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Greetings, Harvey, and welcome. You asked:

<<Please tel me why they say to wait until your 65? Is it because you get more? If I take it early will I get less?>>

Yes, waiting until age 65 results in a higher benefit. If taken at 62, then the benefit will be 80% or less of that at age 65 depending on your date of birth. However, that reduction needs to be measured against life expectancy, freedom from job pressures, etc. For many, it's worth it.

<<I was told I didn't have enough quarters in. Can I help it because the last ten years I was in college four of those ten years. I worked 38 years before retired on Veterans Disibility. Does this go towards the quarters?>>

To draw the normal retirement benefit, you must have at least 40 quarters of work. That amounts to ten years. If you actually worked and paid into the Social Security system for 38 years, then you should be eligible for a benefit. The Social Security Administration can tell you that.

<< I am below poverty now. Heart Trouble, broken neck, almost died three times, age 54. If I can collect now, how? They said I couldn't. You know THEY know everything.>>

If you are rated as disabled, then you might not need the full 40 quarters for a SS disability benefit. However, there is a time limit during which you must have been covered under SS. You must have paid into the system for five years out of the last ten before becoming disabled. Again, the SSA can tell you if you meet that criterion. Additionally, the disability must be one that is long-term, that will result in death, or renders you unable to work at ANY gainful employment. Again, you need to check with the SSA to see if you qualify.

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