I’m a widow and wondering if I should start receiving my husbands benefits at 60?
Hi. It depends on whether or not you're insured for benefits on your own earnings record and if so how your relative benefit rates compare, and whether or not you're working and if so how much you are earning. Until the year you reach your full retirement age (FRA), Social Security would need to withhold $1 of your benefits for each $2 that your earnings exceed the annual earnings test exempt amount. The exempt amount in 2021 is $18,960.