do you need delayed retirement credits?
no
ok great
thank you
Have you reached full retiremtn age?
not yet.
what if I decided to delay retirement?
ok that is fine. Be sure to sign up for just medicare at age 65
what if I reached full retirement age
If you 've already reached full retirement age , you can choose to start receiving benefits before the month you apply
What 's the best time to start your retirement benefits