I would count on it once I decided to take it.
Do not take away my benefits once I am getting them or else....
My big decision is whether I take it at 65 (January) or FRA (66) when I apply for Medicare and have it deducted from it. I am waiting to see what the ACA turns out for DW in 2019 who is only 60 this year as it would put our MAGI up. The difference for me if I take it at 65 vs 66 is only (-150pm or $1800pa). If by taking it at 65 vs 66, it increases DWs ACA by ~$400 a month, that is $4800pa, I will wait.