Should I claim Social Security early because I worry it will run out?
Do not make a permanent claiming decision from panic alone. Compare benefit reductions, cash-flow needs, health, spouse/survivor issues, and updated SSA source material.
Accepted plain answer
SSA rules allow retirement benefits to start at 62, but claiming before full retirement age permanently reduces the monthly benefit. Fear about the system should be separated from the household math: cash flow, health, work status, spouse needs, and survivor benefits.