I'm thinking I'll start taking it as soon as possible around age 62. But others wait a long time to maximize the benefit. I think that is a big risk because if SS ever gets "modified" is is likely to change the most for those who are not yet enrolled.

How about you? Are you going to take it sooner or later?

 

I started at 62 3/4, the moment I retired. My reasoning was like yours...who knows how long it (or I) may last.

 

I'm going to wait as long as I can in order to maximize the benefit. I suspect that if the system goes belly up it won't matter if you're enrolled or not. I think if it's modified it will be modified for everyone. If anything there will be a cutoff age after which the modified plan sets in. I don't think being enrolled will make any difference.

I also suspect that the system is going to be around forever. I really don't believe the politicians or the public is going to let it die.

 

I won't be collecting much, if any. But I would wait.

 

Was going to start this January @ 65 but, have just changed jobs so I will wait until 66 so I can collect full benefits and still earn all I can and not have to pay any back. Yes, its the big double dip. I have no fears that SS will be around and that folks in their 60s are not going to have any changes. Even the "Tea Baggers" know better than to screw with that segment of the population.

 

I' not even eligible for full benifit until 67. That's not for another 16 years. I guess we'll just see how it shakes out.

 

I did it at 62 and a half. Direct deposit. It's so automatic I forget it's there.

fltsfshr

 

14 years for me so I've got time to see what transpires too but I'm leaning toward earliest possible.

 

Oh, yeah ... ASAP! (for both of us)

 

11 years until full benefits. I hope to be done with full time work by age 65. I won't wait until 67, to collect full benefits. If there is any chance of retiring and collecting sooner, I will.