user: When is a good time to use the Benefits Planner?[NEWLINE]agent: What is your age?[NEWLINE]user: I am close to retirement age and was wondering when would be the best time to start my benefits.[NEWLINE]agent: Is your age between the 50 and 60 range?[NEWLINE]user: No I am a little younger.[NEWLINE]user: Do I have a choice as to when I should apply for benefits?[NEWLINE]agent: Yes you have a choice. You should make an informed decision about when to apply for benefits based on your individual and family circumstances.[NEWLINE]user: What sort of benefits would I receive?[NEWLINE]agent: Benefits depend on your circumstances. Are you still working? If you are still working you may have to give up some of your benefits.[NEWLINE]user: Does family history come into the calculation of benefits?