Thanks to everyone for their input. I called Social Security and set up an appointment for later this month to discuss my retirement options. The lady I talked to mentioned the possibility of applying for half my husband's SS benefits. Doing that will not impact his benefits or mine, and I will be able to apply for full benefits when I turn 66. I can get COBRA through my work until I turn 65. Hubby and I do not have an extravagant life style so I'm hoping half of his SS will be workable for our bills.
It sounds like retiring in January makes more sense than retiring in December. I've been working since I was 15 (only taking a year off for the birth of my two children) so waiting one extra month is no big deal.