Would love to hear your thoughts on taking it at 62 or waiting. My husband is 63 and currently on SS disability. His long term disability insurance runs out when he is 66. We had figured on me waiting until I was 65 so that when his insurance ran out we could replace it with my SS. I'm still feeling like I am leaving money on the table by not taking it at 62. I am paying $900 for medical insurance and who knows how much that is going to go up between now and when I can get medicare at 65. Decisions, decisions..