When my husband died I began to receive his SS benefit. Upon turning 70, I am going to apply for SS. How will this work? Thank you.
You'll simply need to file an application for retirement benefits with Social Security. You can do so up to 4 months in advance of the month you turn age 70, and you can file either by phone or in person at a Social Security office. Then, assuming your retirement benefit rate is higher than your widow's rate, the latter benefits will stop.