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when do you have to retire when do you have to draw social security when you have to go on medicare never you dont ever have to do it no ones going to make you in most cases they will not start automatically you have to decide when to draw and you have to call social security and tell them that you want to start your benefits so if you want to continue continue to work and you have a large employer you want to work forever you can do that you dont ever have to go on medicare you dont ever have to take part d you can get your drug coverage from your employer and more and more people are just working indefinitely as far as social security you should draw it at least by your full retirement age you could let it grow up to 70 im not a big fan of that but you could its not going to grow past 70 so you might as well grab it at 70 or you might draw it earlier and i always tell people draw social security earlier than your full retirement age if youre not working