This sounds like a rational idea. Even assuming 0% stock market return, have you looked into at what age you would breakeven versus taking it at 70? Knock on wood, but should you pass before 70 or the breakeven age (which would be further into the future), you are better off taking SS early. E.g. if you died at 67 yrs old, at least your kids would receive something. Also, if you died at 73 yrs of age, you'd probably have way more money by taking SS early than taking it at 70. If I recall, you need to live quite a long time to come out ahead by delaying taking SS. The higher your rate of return assumptions, the less attractive it becomes to delay.