user: What is required to be able to use the retirement benefits planner?[NEWLINE]agent: Are you aware that members of your family may also be eligible to receive benefits?[NEWLINE]user: No I was not aware of this. What is required for family members to be eligible to receive benefits?[NEWLINE]agent: Have you already started receiving Security retirement benefits?[NEWLINE]user: Yes I received my first payment a month ago.[NEWLINE]agent: Some members of your family may qualify to receive benefits. Your spouse or child may receive a monthly payment of up to one-half of your full retirement benefit amount.[NEWLINE][BOUNDARY][NEWLINE]user: understood. Do you have additional information on when it is best to start with 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?