That just what the government is gambling on, that people will continue to delay retirement/ receiving SS benefits until they are older to draw more $$. I personally would rather draw less over a longer period of time than to get a little more for a shorter time. Statistics are in their favor or they (the government) would have laid out a different plan. I guess that you could give consideration to health, family history of disease/cancer and average longevity of family history to help in deciding just when to start receiving benefits but then again, we are not even promised tomorrow.