Everyone is in a different situation. In my own case, I signed up at age 62 for SS because I had retired at age 57 due to health issues and needed income. When I called SS on phone to sign up, the lady asks me if I have children under age 18. Why would she be asking me about children I wondered. So I sheepishly answered actually yes I married late and have 2 kids ages 9 & 11. She then said SS will pay additional benefits for both kids until they reach 18! That was huge! I received $1500/month additional benefits for the kids. I had never heard of this in any of the pre-retirement seminars. I was glad to sign up at age 62 instead of 65.
That’s great! My phone call is on the 23rd. Anxious to see if I can draw off of my loser Ex. He had some very high earning years in there before he fell off the cliff of oxy addiction. :(