I need help
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do you need delayed retirement credits?
no
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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
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What 's the best time to start your retirement benefits
 in some circumstances your Medicare coverage may be delayed and cost more .
