If you don't need the money and are still working, as I am, you are best off waiting until the "official" retirement age, whatever that is now. (But you still should sign up for Medicare a month or two before you turn 65.)
But this is complicated if you have dependent children under 18 years old, when I believe it is best to collect as soon as you are able.
It is also complicated by having a spouse also at "official" retirement age. My wife isn't considered as having begun to collect but I get 50% of what she would be collecting added to my monthly check.
ML/NJ
Why do you get 50% of what your wife would collect, if you collect your own SS?
I don’t need medicare. I get health care through the VA.