No. of Recommendations: 1
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.

That an important advantage.

On the other hand, you can always take it at 62 and if you decide later it would have been a better deal to start at a later age, just give it all back and start at the new higher rate. You don't even have to pay interest on the money returned.

Who says you can't eat your cake and have it, too?

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