That has always been the question ... draw at 62 or full 65-67 (or whatever your full is) The question should be what is your health like at 62 as opposed to what it will be at a later date . The last thing you want to do is work until you get full at 67(or whatever) so you can sit in a nursing home and give them more money ! Its a gamble .... like ODYSSEUS said above " Take the Money and Run " at least while you can !