user: I need to find information to get benefits for my family on my SS[NEWLINE]agent: Have you started receiving your benefits already?[NEWLINE]user: Yes[NEWLINE]agent: some members of your family may also qualify to receive benefits on your record[NEWLINE][BOUNDARY][NEWLINE]user: there is something else about retirement benefits, what will be the correct age to take these 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?