@Robertga - I gotta be honest, those that are still working probably don't take SS at 62 years old (or they continue to work but make less than the limit) as their behavior is driven by the rules.
I have a Merrill Lynch White paper from 2012 that states 50% of individuals take SS at age 62, and most everyone else take it at the Full / Normal Retirement age (65-67 based on the your year of birth). Very few wait until age 70 to begin SS. The data is taken from the SSA.
