age eligability

I think that your understanding of whose benefits you may take and when is correct.

The main problem you will encounter with retiring at age 62 is probably the issue of health insurance. Private health insurance for someone age 62 can be prohibitively expensive and you will not be eligible for Medicare until age 65.

In general, most people can start Social Security at age 62. However, your monthly payments will be less than if you delay until your maximum retirement age.

-- To determine your maximum retirement age (the age at which you could maximize your monthly income), please visit:
http://www.ssa.gov/retire2/agereduction.htm

-- If you would like more information about the many benefits of working when you are of retirement age, continue here: http://www.newretirement.com/Services/Working_In_Retirement_Reasons.aspx

You might also want to visit a local Social Security office to explore your individual situation more thoroughly. You can find your local office here:
You might want to visit your local Social Security office. You can locate it here:
https://secure.ssa.gov/apps6z/FOLO/fo001.jsp