<<I've heard that widows can collect their husband's social security at 62 then switch to their own later>>Yes, this is an option. If you work, the same earnings test applies as with retirement benefits. If you make to much for a retirement check, you probably make too much for a Widow's check as well. You need to get an estimate of widows at 62 and 65 as well as an estimate for retirement at 62 and 65. Lots of comparisons need to be made taking your work and earnings in to consideration. Retirement amount will continue to change as you earn wages, Widows amount won't change. Also, if you take widows prior to age 62, there is a reduction on your own retirement even if you wait to take your own retirement until age 65.This is a complex benefit situation and calculation. Probably worth your while to visit a SS office for advice and estimates.
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