I am 65 and have a pending SSDI claim. I have no income. I was married for 30 years and divorced after which my ex husband died. In order to save my own Social Security until age 70, am I able to collect on my deceased husband’s Social Security until either my disability is approved or J reach age 70?

Hi,

Yes, that certainly sounds possible. Depending on the relative benefit rates involved, your best option would likely be one of the following:
1) File for reduced survivor benefits now and then switch to your own record at age 70; or,
2) File for reduced retirement benefits on your own record now and then file for unreduced survivor benefits at your full retirement age (FRA).

Normally, you would want to start out drawing the lower benefit first and then switch to the higher benefit when it reaches it's highest potential rate. Our software (https://maximizemysocialsecurity.com/purchase) could help sort all of this out for you so that you can determine the best strategy for maximizing your benefits.

Best, Jerry