Claiming earlier can provide income sooner; waiting can increase the monthly benefit. The better fit depends on your retirement date, other income, health and longevity assumptions, taxes, and how much your portfolio needs to cover before benefits begin.
Use one consistent set of assumptions for each scenario. That makes the difference easier to understand and gives you a clearer starting point for an important conversation.
Build a private plan, compare two dates side by side, and review the assumptions behind the result.