My wife has a good pension that covers almost all our living expenses but health insurance will become an issue when I quit working.
Basically, I'd like to wait as long as I can to take SS, but the circumstances might change.
Before you reach full retirement age, you will be penalized for working while drawing. I had to wait until the year I reached full retirement age to retire. Then I went back to work and collected money for a while.
You want to avoid the penalty.