I will be 66 in March. I plan to continue working for at least 5 more years. My husband died in 2011 at the age of 65, he had started receiving his SS at age 62. At the time of his death I was 60 and working. the SS representative told me I could not collect widow's benefits because "I made to much". My question now is should I apply for my retirement or his and save mine until I turn 70? Also is there a time frame to apply?

Hi,

I'm sorry for your loss.

Most likely, the best strategy for you would be to file for widow's benefits now (i.e. January), then switch to your own record at age 70. You may want to run the maximization software available on this website to be sure.

Assuming that I'm right about it being best to start your widow's benefits this month, you will need to file an application or at least establish a protective filing date before the end of this month. You can do so by visiting a Social Security office or calling 1-800-772-1213.

Best, Jerry