"Broken Promises" is the SS, Medicare, and Pension meme of the next 20 years. Don't even get me started with dollar devaluation and higher rates of inflation if not hyperinflation in the same time period.
What I'm told is putting off collecting, even if it is only a few years can make big changes in a funds assets. We would be putting more in longer, and even though the payout is larger, the health payout is shorter.