You need to see a financial planner.
Checking my own benefits just now, if I claimed at 62 instead of full retirement age of 67, I would make more money from the government in the long run if I died by age 73. If I lived longer than 73, I make more money from social security if I delay and take the larger benefit. However, in your case that would mean depleting your retirement account faster in order to qualify for a larger social security benefit. Maybe you have a chronic illness or a very short-lived family tree, or maybe you are in the best of health and all your relatives live to 100.
You would need an expert to help you review the options as they apply to your particular situation.
