My thoughts.....When I turned 65 my retirement (actually my husband's retirement plan) said I had to start paying the Medicare part B to coordinate with my health insurance. So since it was just a year early for me to start getting Social Security I went ahead and signed up for SS to have the Medicare deducted.
If you need the income (or even if you don't) I would consider taking SS so it there are any future changes to the SS system you are already getting it. And only up to 85% of SS is taxable depending on your other income. Whereas IRA withdrawals will be 100% taxable unless you made any non-deductible contributions. And if you don't need the money you don't have to start taking your IRA RMD until you turn 73 or maybe it's later now.
