Full question: I have plans to retire January 2024. I am only 64 and want to claim survivors benefits because my husband died on 2006. Want to switch to my social security when I reach the age. Do I have to wait until I retire to start receiving these benefits or can I start now?…

Full question: Good morning. I am divorced, 66 years old with two disabled adult children that have lived with me all their lives. One has Autism, the other was injured at age 22 and is a parapalygic. Can I collect 1/2 of my ex-spouse’s Social Security Retirement while I continue working and change over to…

Full question: I am full retirement age and have been divorced for more than 10 years. My ex-husband and I have a disabled child (34 year old) that I care for and draws SSDI off of her father who is 70 years old. I have not applied for Social Security benefits, as I was wanting…

Full question: Hi Martha, I’ve been collecting Survivor benefits since I was 66. I’ll be turning 70 in October. How do I find out if my own benefits at 70 will be higher than my deceased spouse’s? Hi there, You should contact your local Social Security office to verify if you are eligible for a higher…

Full question: I took widow social security at 62 can I get my own at 70? Hello, Thank you for the question. Yes, you do have the ability to switch to your own retirement benefit at anytime from age 62 through 70. You will receive the higher of the two amounts at the time you…

Full question: My wife retired from the railroad at 63. I am collecting a railroad spousal annuity at 65. When i switch at 70 to my own Social Security which is higher than my Railroad spousal annuity, do i get the delayed Social Security credits from 66 and 6 months to 70? Hello, Thank you…