Hi Larry,
My question is .....i am a widow and started drawing my on my late husbands social security when I retired at 66 1/2. I was told I could switch and draw on my social security at age 70...true or false? Thanks Diane

Hi Diane,

True. As long as you haven't applied for your own Social Security benefits, your Social Security retirement benefit rate continues to accrue delayed retirement credits (DRC) until you reach age 70 even if you're collecting widow's benefits. Therefore, if your own benefit rate would be higher than your widow's rate, it would almost certainly be advantageous to switch to drawing your own benefits at age 70.

Best, Jerry