user: I need help with benefits for my family.[NEWLINE]agent: Will you be receiving Social Security retirement benefits?[NEWLINE]user: No, I will not be receiving Social Security retirement benefits right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there maximum family benefits?[NEWLINE]agent: Does one of your children qualify for benefits?[NEWLINE]user: No I have no children for benefits.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Will benefits paid to my spouse make me have a lower retirement benefit?[NEWLINE]agent: Benefits for you will stay the same even if your spouse receives paid benefits.  Also, it may be better for you to take your benefits sooner after your spouses benefits are added to yours.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me on what will be the effect to my retirement benefits if I decided to delay my application for Medicare?[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?