user: I want to learn about retirement benefits.[NEWLINE]agent: Would you like to learn about delayed retirement credits?[NEWLINE]user: Yes, i would like to know about delayed credits.[NEWLINE]agent: Delayed Retirement credits are increased by a percentage based on your birth year and if you took your retirement benefits beyond full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: Do you recommend an age I should take my retirement benefits?[NEWLINE]agent: We do not make the decision for you and think you should look at additional information regarding if you should start at age 62, full retirement age, or age 70.[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?