I would agree if I was getting an interest rate return on my hundreds of thousands of dollars of CONTRIBUTIONS I've made to the program over the last 42 years.
Excellent point or how even a guarantee that the full amount you were forced to pay in was returned to your estate if you didn’t live long enough to collect it.
We are going to take it early anyway screw the govt. we are unsure how long it will be around and it would take years to make up the difference of the reduced benefits vs. getting a check at 62 at least that way some of the money we had to pay in will be returned to us.
The expectation would be that you could have invested the SS money you were paid out, so you could pay back that interest.
Of course, the whole reason for turning in the money and starting over is that the increased payout is like getting a much larger interest rate. At the risk that you could still die before the larger payments made up for all the money you gave back.