I lost my job. I am 62 years old. I qualify for Medicaid if I don't apply for early Social Security. I live in Delaware. I do not want to lock in a substantially lowered Social Security benefit. I would rather take distributions from my 401K until I find a job. I need medical coverage and as long as I keep my 401K withdrawals around $1200 monthly I will qualify for adult expansion MAGI-based Medicaid (unless I am forced to apply for a reduced benefit from Social Security). Can I wait to file at normal retirement age of 66?