After reading through this thread, I'd suggest scheduling an appointment at your local SSA office if possible. For complex situations involving survivor benefits and optimal claiming strategies, speaking face-to-face with a claims specialist is often more productive than phone calls. Bring as much documentation as possible: your husband's death certificate, both SSNs, marriage certificate, recent tax returns, and employment information. These appointments can be booked through the SSA website or by phone, though waits for appointments can be 2-3 weeks in some areas.

I'm a newcomer here but wanted to share what I learned when I went through this exact situation last year. The strategy your coworker mentioned absolutely works - I started taking my deceased husband's survivor benefits at 62 (with reduction) while continuing to work as a nurse. Yes, some benefits were withheld due to the earnings test, but like others mentioned, you get that back through higher payments once you reach FRA. The key is running the numbers first. I used the my Social Security account online to see my projected benefit at 70, then called SSA (took forever to get through!) to get my survivor benefit amounts. In my case, my own benefit at 70 would be about $2,800/month vs. my husband's unreduced survivor benefit of $2,400/month. So taking the reduced survivor benefit early and switching to my own at 70 made financial sense. Just make sure to keep detailed records of everything - SSA paperwork can get confusing and you want documentation of what they promised you!

Thank you all for the helpful responses! I've made an appointment with my doctor to get updated medical records and I'm going to start gathering all my documentation. I think I'll apply for both regular SSDI and the Disabled Widow Benefits as suggested. I'm still nervous about the whole process, but at least now I have a better understanding of my options. I'll definitely use that Claimyr service to speak with SSA directly about my specific situation. Will update when I have news about my application.

I'm so sorry you're dealing with these health challenges. As a newcomer to this community, I've been reading through similar situations and wanted to share what I've learned. The information about Disabled Widow(er) Benefits is really eye-opening - I had no idea this was even an option until reading these responses. One thing I'd suggest is also reaching out to your local Area Agency on Aging. They often have benefits counselors who can help navigate the Social Security system for free, and they might be able to review your situation before you apply to make sure you're taking the best approach. They're familiar with both the disability process and widow benefits, so they could give you personalized guidance. Also, given your pacemaker complications, have you considered whether that might qualify you for a Compassionate Allowance? Some cardiac conditions with devices can qualify for expedited processing. It might be worth asking about when you speak with SSA. Wishing you the best with this difficult situation. You're not alone in this process!

Thanks everyone for the helpful advice! Based on all your comments, I think I'm going to go ahead with claiming a few months early since my bonus structure means I'll probably stay under that higher earnings limit before reaching FRA. And if I do exceed it slightly, at least I know they'll adjust my benefit later to account for any withheld amounts. Really appreciate all the detailed explanations - this stuff gets complicated fast!

Just wanted to add one more thing to consider - make sure you understand how the earnings test works with your specific pay schedule. Since you mentioned getting a year-end bonus, you'll want to track your monthly earnings carefully through September (assuming October FRA). Also, if you do end up slightly over the limit, the SSA typically doesn't come after you immediately - they'll usually adjust your benefits the following year after you file your tax return and they can see your actual earnings. But it's always better to plan ahead than deal with overpayments later! Good luck with your decision - sounds like you've got a solid plan based on everyone's input here.

As someone who just went through this exact situation last year when I started benefits at 62, I can confirm your advisor is absolutely correct! The monthly earnings test ($1,850 for 2025) only applies during your first calendar year of receiving benefits. Starting January 2026, you'll be subject to just the annual limit ($22,320 for 2026, though they usually announce the exact amount closer to the year). One thing I wish someone had told me is to keep really good records of your monthly earnings during this first year. I used a simple notebook to track each paycheck and made sure to account for any bonuses or overtime that might push me over the monthly limit. Also, remember that the earnings test looks at when you EARN the money, not when you receive it - so if you work in December but get paid in January, that December work counts toward December's limit. The good news is that once you hit your Full Retirement Age, all earnings limits disappear completely and any benefits that were previously withheld get added back to your monthly payments as a recalculation. Hang in there - the rules are confusing but you'll get through it!

As someone who just started navigating Social Security at 64, I can't thank everyone enough for these detailed explanations! This community is incredible - I was so confused when I first read about the earnings limits, but now I feel like I actually understand how it works. Just to make sure I have this right: in 2025 (my first year), I need to stay under $1,850 per month, and if I go over in any specific month, I only lose benefits for that month. Then starting 2026, it switches to the annual limit of around $22,320, and they look at my total yearly earnings instead of monthly. And once I hit my FRA, no more limits at all! I'm definitely going to set up that tracking spreadsheet someone mentioned and talk to my part-time employer about paycheck timing. It's such a relief to know that my 401k withdrawals and pension don't count toward the earnings limit - I was being way too cautious about that. One question for those who've been through this: do you report your monthly earnings to SSA proactively, or do they just figure it out from your tax records later? I want to make sure I'm doing everything properly from the start.

As someone who just went through this process myself last month, I can confirm what everyone is saying! I turned 67 on January 15th and was able to start my benefits on January 1st with no reduction whatsoever. The birthday month rule is real and it works exactly as described here. What really helped me was calling SSA early in the morning (around 8 AM) when the wait times were shorter. The representative I spoke with was very clear that as long as you reach FRA sometime during the month, you can start benefits on the 1st of that month. She even mentioned that this is one of the most common questions they get, so don't feel bad about being confused - you're definitely not alone! The peace of mind from getting official confirmation was worth the phone call.

I'm so glad I found this thread! I'm in almost the exact same situation as Ava - I turn 67 on February 28th this year and have been agonizing over whether to select February 1st or wait until March. Reading everyone's explanations about the birthday month rule has been incredibly enlightening. I had no idea that Social Security considers you to have reached your FRA for the entire month of your birthday. This makes so much more sense than what I was trying to decipher from the official SSA materials. Thank you to Miguel, StarSailor, the claims specialist, and everyone else who took the time to explain this clearly. It's amazing how much stress this has relieved - I was literally losing sleep over potentially making the wrong choice and losing benefits. Now I feel confident moving forward with February 1st as my start date!