I am 64. My husband passed away in 2012 at age 76. He was retired at 65 and collected social security of $1183 per month; mine on my record would be $2035 per month if I wait to retire at FRA of 66. Instead, I hope to retire next year at 65. My question is: can I retire on his social security next year, allowing mine to grow, then switch to mine at age 70?

Hi,

I'm sorry for your loss.

Yes, you can file for widow's benefits first and then switch to your own record at age 70. The best time to file for your widow's benefits depends on your work and earnings, but you would likely want to file for widow's benefits as soon as your earnings will permit benefits to be paid. The maximization software available on this website should be able to help you determine your best filing strategy.

Best, Jerry