When you've spent four decades or more in the workforce, it's understandable to be drawn to the idea of claiming those monthly checks at 62.

If you're laid off in your 60s, you may decide to use it as an opportunity to retire on the spot. But maybe that's not what you want, and you're eager to continue working -- if not full-time, then at least on a part-time or consulting basis.

Should I collect Social Security at 62? Will I need to file for Medicaid at 65 and which parts? I have lifetime VA Healthcare. If I predecease my wife, is she entitled to survivor benefits if she is younger than 62?