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Hi. My name is ***** ***** I will be happy to help you.
When you applied for your benefits at 62 (early benefits), you permanently reduced your monthly benefits. You are not receiving reduced benefits because you did not contribute enough or because you did not work for last 8 years. You are receiving reduced benefits because you applied for you benefits before your full retirement age. If you waited until 66, your full retirement age, you would be eligible for your full benefits. You will not be able to get full amount once you reach your full retirement since you have been receiving benefits for the last 3 years.
Make sense? The reduction is based on average life expectancy. If you apply early, you will receive more lower payments, if you apply latter, you will receive fewer higher payments. Assuming, you live until about 84, you will break even.