My husband of 40 years passed away 2 years ago and I am about to turn 66. I was wondering if I could postpone getting my social security until I was 70 but take half of what my husband was receiving before he died.

Hi,

I'm sorry for your loss.

Actually, in most cases widow's benefits are paid at the deceased husband's full benefit rate, not 50% like spousal benefits on a living spouse's record. But, yes you could potentially file now for widow's benefits and switch to your own record at age 70 if your own rate is higher than your widow's rate at that time.

Your best strategy depends on your and your husband's relative benefit rates and whether or not your husband drew reduced retirement benefit prior to his death. You should probably make an appointment to speak with a Social Security claims representative to discuss your options as soon as possible. And, you should strongly consider using our maximization software to compare your options and determine your best strategy.

Best, Jerry