Boomers continue to subsidize adult offspring at the expense of their own retirement.
Healthy seniors who sign up late face possible sticker shock.
The penalty for failing to file exceeds the penalty for failing to pay, and an extension can also help with saving for retirement.
Congressional panel holds hearings, but no action is expected this year.
Some retirees can receive up to six months of back benefits.
New tax rules could affect retirees' relocation decisions.
Delayed claiming decisions will be based, in part, on interest rates.
There is no annual limit on out-of-pocket costs under Medicare Part D.
Those turning 66 this year are the last group eligible for the spousal claiming strategy.
Some individuals' benefits will begin automatically; others have to take action.
