Ask Terry Questions Social Security

Social Security

By Terry Savage on September 09, 2026 | Social Security

I get conflicting information. My husband passed in2007, i am now 63 but still work full-time and make over 55,000 a year. Could I collect my deceased husband social security right now and still work full-time? And when I get to full retirement age 67 can I then switch to my social security if it is more money. We were married for 24 years when he died.

Terry Says

NO! When you reach your own FULL retirement age, you can take either your late husband’s SS or yours -=- whichever is larger. That assumes you were married for 10 years, and have not remarried. Do not even think about SS until you reach age 67, which is your full retirement age.

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