Full question: I am a widow, my husband was on disability when he died (at ager 55 years old). What am I eligible to do at age 62- may I collect mine and not collect survivor benefits til 70?

Hi there,

At age 60 you are eligible for survivor benefits and at age 62 you will be eligible for retirement benefits.

Which benefit you collect first or second, depends on the amounts of each at the age you collect.

Survivor benefits increase every month of delaying from age 60 to full retirement age (between 66 and 67). Retirement benefits increase every month of delaying from age 60 to age 70.

The good news is that you can start by collecting the smaller of the two and later switch to the higher one. You may benefit from a Social Security income planning analysis with an RSSA. Learn more here.

Best of luck,
Martha

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