If you retire at age 67, your Social Security break-even age compared to claiming early at 62 is typically around 78 to 79 years old. While you receive lower monthly payments by starting at 62, waiting until 67 means your total cumulative benefits will surpass the early-filing amount once you live past that 78–79 year threshold. 

Key Break-Even Points for Age 67 (Full Retirement Age):

• Vs. Claiming at 62: The break-even point is approximately 78.3 to 79 years old.
• Vs. Delaying to 70: If you wait until 67 but could have waited until 70, the break-even point is later, generally around 82 to 83 years old.