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: May I ask something else, regarding retirement benefits. What if they begin to receive those benefits?[NEWLINE]agent: Between age 62 and their full retirement age, the amount will be permanently reduced by a percentage based on the number of months up to their full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, that's good. And can you tell me more about the benefits for my spouse?[NEWLINE]agent: Gladly. Even if they have never worked under Social Security, your spouse may be able to get benefits if they are at least 62 years of age and you are receiving or eligible for retirement or disability benefits. Your spouse can also qualify for Medicare at age 65.[NEWLINE][BOUNDARY][NEWLINE]user: Hm, I see. What if one of my children is also eligible for benefits?[NEWLINE]agent: Unfortunately there is a limit to the amount we can pay your family. The total depends on your benefit amount and the number of family members who also qualify on your record.[NEWLINE][BOUNDARY][NEWLINE]user: And what does that mean? What kind of limit?