Hello,
My sister's husband passed away several years ago and when she turned 60 she applied for social security. She was
told to take social security under her husband (widow's benefit maybe?). She is now 63 and has realized that she made
more money than he did and her benefit would have been bigger. Can she switch to her own?

Also, my husband closed his practice four years ago which ended my job of 37 years. He is 16 years older than me and collects
social security. I am 59 now and wondered if there is a benefit under him for me until I reach the age to collect my own.

Thank you.
Tina

Hi Tina,

Yes, if your sister's own benefit rate would be higher than her widow's rate she could switch to drawing on her own account, but if that's the case she'd likely be better off waiting until age 70 to make the switch. Her own retirement benefit rate would continue to grow if she waits until age 70 to file, whereas she'd be stuck with a reduced rate if she files on her own record now. Your sister should strongly consider using our maximization software in order to compare her options before making any changes.

Since your husband is still living the only way that you could collect benefits prior to age 62 is if you have a minor or disabled child in your care or if you are disabled. You may also want to consider using our maximization software in order to explore your options and determine your best potential filing strategy.

Best, Jerry