The age payout yes

but they need to know that payout is based on the last so many quarters, with them kicking out so many lowest quarters. So if they are waiting x amount of years and living off a lower income they may be tying themselves to a lower ss check in the future.

Our broker pointed out based on current values and such that if you started drawing at 62 vs 67 or 70 it would take 15 years at the higher age to make up the small difference between it and the age 62 check in the long run. Can you guarantee any of us will live 20 more years to make up that difference.

Based on that and the lower income scenario we chose to go with tye younger age.