My wife already draws her social security she is older than i am, between her pension,SS and my pension that i draw it makes obumer care quite expensive, then ifs draw my SS next year even more expensive, she gets medicare and has for last 3 years, we both have a lot of dollars our 401k"s too if i start drawing next year we will both cash in our 401's also just to get all the tax expense out of the way in one year.Take every dime they will give you. We never know how long we have. If it is available take it as in the long run you will get more back. Why wait. Tomorrow is not a guarantee.