user: Could I be eligible for spouse's benefits and have access to my spouse's estimate?[NEWLINE]agent: Would you like to find the estimated amount of retirement benefit your spouse could be eligible to receive at full retirement age?[NEWLINE]user: No, not at this time.[NEWLINE]agent: Do you know that you need to divide the amount in half and round down to the nearest dollar?[NEWLINE]user: No, I did not know that is how it is figured out.[NEWLINE][BOUNDARY][NEWLINE]agent: Then you cannot figure out the monthly amount of your Social Security benefit as a spouse.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a best time to start my benefits?[NEWLINE]agent: It is all up to you at what age you want to start your retirement such as age 62, full retirement or age 70; but we can give you some additional information that could help you make the decision.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do not sign up?[NEWLINE]agent: Your Medicare coverage could cost you more and could be delayed.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any additional information for early or late retirement?[NEWLINE]agent: Yes, you should consider Retirement Information for Medicare Benificiaries.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I have all ready reached full retirement age?[NEWLINE]agent: You can choose to start benefits before the month you apply; but we will not pay retroactive benefits for any months before full retirement age.[NEWLINE]user: Is it a possibility my benefits will cost more if I do not sign up?