I wonder the same thing. I use financial planning software. I am 60 years old. My last statement shows I would receive $2433 a month at FRA(66yr 10 mos). I plan to stop working at 62 but to delay collecting until FRA. When I look at the reports that look into the future, when I start collecting at FRA the amount is close to $3,000. I assume the program is calculating correctly but I hope Devon weighs in and clarifies this.