I will be 62 years old in the year 2022. To get the maximum benefit I am entitled to I will have to work until I am 67 since the law has been changed for my generation. Will I be able to collect at a lower rate if I retire at 65? Will I be able to collect anything at 62 or won't that even be an option at that time? I know SS is in trouble and something needs to be done but based on things today can someone answer these questions?