A quarter of recipients would take their benefits later if they could do it over.

I seldom write about Social Security without an huge response from readers.

That’s not a bad thing. It seems that just about everyone has an opinion about Social Security – especially when it comes to the decision on when to take it.

Many financial advisers recommend that people wait until 70; very few do. In fact, most people don’t even wait until full retirement age and end up taking it as soon as they are eligible – at 62.

Well, a new survey says that, given the chance, a quarter of Social Security recipients would take it later than they did. But that also means that most would not change their decision, for a variety of reasons.