Ask Terry Questions Social Security Question

Social Security Question

By Terry Savage on May 14, 2026 | Social Security

Hi Terry,
I have a question about what I did with my Social Security in the past.
When I was 65 I learned that I was eligible to receive my deceased husband’s (died at age 49) SS benefit and still continue to work. I took this option and received a lump sum for past benefits due and then a monthly benefit payments. I retired at 67 and the benefit was switched to my income history since it would be higher. Did I do this correctly or did this in some way affect my retirement at 67. Not that I can change anything, but I was just curious if this negatively affected my SS benefits.
I love listening to you on WGN and reading your website. I follow your chicken money advice and have T Bills, CDs, saving account and a portion of my money in Vanguard investments. At 73 I live off my SS Benefit and my IMRF pension without touching my savings.

Thank you,

Terry Says

No. Collecting your deceased husband’s benefit has nothing to do with collecting on your own retirement at full retirement age. But if you want to make sure you are getting the correct amount, go to MaximizeMySocialSecurity.com — and pay the $49 to let them calculate correctly!

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