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][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][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: how many credits do they need to provide in order for their survivor to be eligible for Social Security Benefits?[NEWLINE]agent: The number of credits needed to provide benefits for survivors depends on the worker's age when they die. No one needs more than 40 credits 10 years of work to be eligible for any Social Security benefit[NEWLINE]user: I still have a query about the year's earnings. What kind of advantages will I get?[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?