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| Those laws have changed. Make sure you review the rules again.
-Deemed filing means that when you file for either your retirement or your spouse’s benefit, you are required or “deemed” to file for the other benefit as well. Deemed filing rules already apply when you file for either your retirement or your spouse’s benefit and you are before full retirement age. The Bipartisan Budget Act extends deemed filing rules to apply at full retirement age (FRA) and beyond. - https://www.ssa.gov/planners/retire/deemedfaq.html
-Your full spouse’s benefit could be up to one-half the amount your spouse is entitled to receive at their full retirement age. If you choose to begin receiving spouse’s benefits before you reach full retirement age, your benefit amount will be permanently reduced.- https://faq.ssa.gov/link/portal/34011/34019/Article/3754/What-is-the...
There are also limits on how much you can earn while drawing SS before your full retirement age.
https://faq.ssa.gov/link/portal/34011/34019/article/3739/what-happen...
Here is a link that analyzes the options, and makes a recommendation.
http://www.bedrockcapital.com/ssanalyze/
This is complicated stuff. In my case, My wife will probably draw a bit early. I will probably wait until 70. If I die before she does, she will have survivor benefits equal to the larger amount that I will begin drawing at age 70. We have other sources of income to live on in the meantime. If I croak before 70, it still leaves a larger benefit for the wife.
Social Security is actuarially neutral as to when you begin to draw. Since most of us don't know how long we will live, it is challenging to determine the correct time to draw.
If you need the money to live on, then you have no choice. Draw it when you need it. If you have other sources of income, then you need to quess if you expect to live longer than the breakeven point.
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Taking S.S. at age 62
