Social Security told me I could draw benifits off of my deceased wife. I'm 64. When I'm full retirement age at 66,then I can draw from my benefits. Is it true my claim will accumulate more money even thou I'm not working.

Hi,

It's true that the longer you wait to claim your own benefits until age 70, the higher your monthly retirement benefit rate would be. This is true regardless of whether or not you're still working. However, widower benefits don't get any higher if you wait past full retirement age to claim them.

It sounds like you should strongly consider using our maximization software in order to determine your best strategy for claiming benefits.

Best, Jerry