Yes, all these while these are options. Not sure why so many hoo haa around here. If not mistaken age 55 already can take EPF.
If given choice i will work until 65, earn more money, more epf, more interest rolling. If i cannot use the money, at least i pass down to my family.

As per some feedback, i have seen quite a few example when people not working. If not plan well, if will just hurt more than benefits and also accelerate a lot of sickness especially Alzheimer's disease and dementia due to less function of brand activities. For me i know i sure will suffer as i need something to work on to avoid boredom.