My husband passed away in July of 2013. He was 62 and had started receiving disability about 6 months before he died. I have been working full time. I will reach my FRA in June 2019. I plan on applying for widows benefit to start June 2019.
From what I have read, I can get my husbands full retirement benefit when I turn 66. I plan on continuing to work for a while yet. If I restrict my application, can I switch to my retirement benefit at age 70?

Hi,

I'm sorry for your loss.

Yes, you can start drawing widow's benefits at your full retirement age (FRA) and then switch to your own record at age 70 if your own benefit rate is higher than your widow's rate at that time. You can draw benefits starting with the month you reach FRA regardless of how much you earn (https://www.ssa.gov/planners/retire/whileworking.html). But, if your earnings before FRA would be low enough to permit you to be paid benefits for months prior to FRA, it would almost certainly be better to claim benefits early. You may want to consider using our software to see if that's possible in your case.

Best, Jerry