There are many options according to your wants or needs. What a great Country !!:IMHO It all depends on your situtation.
We were lucky enough to get of the rat race of NY at 58/56 and find a little piece of paradise here in TV.
My calculations show if I start taking the $$ at 62 --my break even point is around age 77 --- (if we make it that long ) 3 of 4 parents passed before 77
We intend to enjoy (or save ) every penny while its still a viable program
Good luck and good health to all
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Arrived Buttonwood in Oct 2010
