I have been receiving a widow's Social Security benefit for many years, and have a question about switching to my own work record. I am trying to delay the switch as long as possible to maximize my benefit, but funds are tight and I might not make it to age 70. It might be closer to age 69; I am evaluating it month by month. Do you recommend doing the switch on the Social Security website, over the phone, or in person in the Social Security office? When I started the widow's benefit back in 2010, the only option I was given was to go into the office. But the letter I received from Social Security in 2015 stated that I could use any of three options (website, phone, or in person) to switch to my own record. A representative to whom I spoke over the phone in 2015 recommended that I not use the website, but do it over the phone with a claims rep, to make sure it would be done correctly. On the other hand, I have read your recommendations to use the website to maximize accuracy, but that was for the simpler situation of starting Social Security from scratch, not making a switch. Which do you think is the best option for making a switch? Do any of these options allow the applicant to start Social Security more quickly (eg, the following month) rather than wait longer? I seem to remember something about the website forcing the applicant to start the payments at least three months from the time of application. Since I am waiting as long as possible, I might have an urgent need to start benefits ASAP. On the other hand, accuracy is important. Thanks for any advice you can provide.

Hi,

Since you are already drawing widow's benefits, I don't believe that you will have the option of filing online for retirement benefits. Social Security could expand their online capabilities at any time, though, so you could always check with them.

There is usually no significant difference in processing times between the various filing options (i.e. online, by phone or in person). You will likely not need to submit any documentation when you file for your retirement benefits, so I don't think it really matters whether you file by phone or in person.

Best, Jerry