Some other things to consider is what the best age is to start your benefits
How do I know what the best age is?
I come from a long-lived family
you may need the extra money more in later years particularly if you may outlive your pensions or annuties
Should I apply for medicare if I start my benefits?
Before full retirement age?
What happens if I delay?
You may have additional options
What decisions should I make about what the best age to apply for benefits is?
Ultimately it is your choice. You should make a decision when to apply based on your individual and family circumstances.
What about the long term?