I am rapidly approaching age 62 and have contemplated taking my social security at that time. My rational for doing so is that if I delay seeking benefits for another 5 years, I run the considerable risk that social security, now going broke, will devise new ways to keep me working longer or deny benefits such as by means testing. I believe it would be harder for the government to take away a social security check I am already getting than devise new ways to keep me from getting benefits in the first place.
See my post 22 — kindred souls