RiffRaff makes a good point.
A brutal question, but perhaps a pertinent one might be, "What do you reasonably expect your age to be when you pass away?" Not pie-in-the-sky "gonna live to be 150" kind of thinking, but perhaps a guestimate based upon others in your family that may have left a reasonable example (similar lifestyle, weight, medical problems or lack thereof, etc.).
If most of the people in your family have passed at a fairly early age, the additional $250/mo may not mean so much. If most of the people in your family have lived well into their 80s or 90s or even into the 100s, then perhaps you'd appreciate that extra $250/mo more as your years advance.
Another consideration might be how much you like your work. If it's something you truly enjoy, it may be that another year wouldn't be a bad thing. If it's something you truly do not enjoy, adding yet another year to it might actually shorten your days above room temperature. Levels of physical stress and / or danger may also play into that as not all jobs are created equal.
I do not know if you could reasonably quit work but postpone starting benefits by a year or two or whether that could be another option. Debt and savings levels might have a lot to do with that.
Lots of variables that others couldn't likely answer all that well.
Sincerely, best of luck as you figure it all out. I'd be interested in what you finally decide and how you arrived at your decision, if it's not too personal to share. We're not quite there yet but are pretty interested in these kinds of discussions as it won't be that long...