by Russell Gloor, National Social Security Advisor at the AMAC Foundation, Dear Rusty: I had to start collecting Social Security at 62, and I am 75 now. I believe that in the last 13 years I have saved Social Security money, so I do not know why I cannot draw my full benefits now.If I had started drawing at 65 at $1,200 per month, then I would have drawn $16,400 per year. Instead, I got ...