My husband died in 2010 when he was 46 and I 47, Since then I have continuously claimed a widow's benefit, as I have sole care of our developmentally disabled child (now age 27), I have worked part time during most years, but now have an opportunity to pursue a full-time job. I doubt I can achieve an earnings record anywhere near my late husband's. Will your software be able to show me the impact of future wages on my own record, as well as whether I can/should suspend collecting my widow's benefit? I remain my son's primary caregiver and expect to do so well beyond reaching age 60 in 2022. Thanks!

Hi. I'm sorry for your loss. Yes, our software (https://maximizemysocialsecurity.com/purchase) could calculate the approximate amount of your potential Social Security retirement benefit rate based on your projected future earnings. The software could also tell you how your future earnings might affect payment of your survivor benefits given Social Security's earnings test (https://www.ssa.gov/benefits/retirement/planner/whileworking.html).

It sounds like you probably wouldn't want to switch from your current child in care benefits to regular widow's benefits until you reach full retirement age (FRA), but our software could also analyze those options and tell you your best strategy for maximizing your benefits.

Best, Jerry