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And so, if you are wondering when to start collecting Social Security benefits in the USA… do a little math. What will you collect over the remainder of your life time? (Benefit at 62yo) * 12 * (76 - 62), vs. (Benefit @ 65yo) * 12 * (76 - 65). Don’t forget to deduct age for chronic illnesses, including COVID. Just be real: it’s your money. Is it better to start receiving benefits at 62yo, or 65yo?