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wow! great replies! I will look into each over the coming days.

He is currently working full time. I am advising him to postpone retiring until age 70, not making any comment for or against applying for medicare. (I clearly have much to learn!)

The reason for my hope for delaying his retirement is that he isnt in a terribly wonderful place from a savings perspective (he actually has some non mortgage debt to boot). I want him to hold off--especially--so he can avoid collecting social security benefits until he can maximize the benefit.

Thanks for all the links! I will dive into them over the next few weeks :)
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