One additional tip - when you're ready to apply, you can schedule an appointment at your local SSA office to discuss all these options. They can run calculations specific to your situation and help you understand all the implications. Just be aware that getting an appointment might take several weeks. Start that process well before you plan to claim benefits.

As someone who just went through this process myself at 62, I wanted to share what I learned. The key thing that helped me decide was understanding that survivor benefits are completely separate from your own retirement benefits in terms of calculation. I ended up claiming at 62 because I realized that even though my monthly amount would be reduced, it wouldn't impact what I'd get as a widow later if my husband predeceases me. Plus, I figured getting something now while we're both healthy gives us more flexibility for things like home improvements or helping our kids. One thing I wish someone had told me earlier - make sure you and your husband both create my Social Security accounts online. You can see all your projected benefits at different claiming ages, and it makes these conversations so much easier when you have the actual numbers in front of you rather than estimates.

Thank you all for the helpful responses! I think I understand better now - it sounds like at FRA, they'll automatically adjust my benefit amount going forward to account for months when benefits were withheld due to my earnings. I'll definitely keep detailed records of which months have benefits withheld and how much is withheld each year. I'm still a bit confused about the possibility of a lump sum that one person mentioned their sister received. I wonder if that might have been related to something else or maybe a retroactive payment of some kind? Either way, it sounds like I'm on the right track claiming survivor benefits now while continuing to work, and then letting my own retirement benefit grow until 70. I appreciate everyone taking the time to explain this complicated process!

I went through something very similar when I started my survivor benefits at 62. The earnings test can definitely be confusing, especially when you get different explanations from different SSA representatives. From my experience, what happens is that SSA keeps track of all the months when your benefits were reduced or withheld due to the earnings test. Then at your FRA, they automatically recalculate your benefit to give you credit for those months - essentially treating you as if you had filed later than you actually did. This results in a permanently higher monthly benefit going forward. One thing I wish someone had told me earlier: make sure you understand exactly how much you're allowed to earn each year without penalty. The earnings limit changes annually, and in 2024 it's $22,320 for people under FRA. Any earnings above that amount result in $1 being withheld for every $2 you earn over the limit. Also, keep copies of all your annual earnings statements and any correspondence from SSA about benefit adjustments. This documentation becomes really helpful if you need to verify the recalculation was done correctly at FRA. Your strategy of claiming survivor benefits now while letting your own retirement benefit grow until 70 is exactly what I did, and it worked out well financially. Good luck with everything!

One important thing to understand about these benefits - you might be eligible to switch to retirement benefits on your own record when you reach age 62 if that would pay more. Or you could switch to regular survivor benefits (not disability) when you reach full retirement age. It's worth having a benefits planning session with SSA once you're settled into these payments to understand your future options.

I'm sorry for your loss, and congratulations on your approval! As others have mentioned, this is actually a great outcome. Surviving Spouse Disability Benefits can often provide better monthly payments than regular SSDI, especially if your husband had higher lifetime earnings. One thing I'd add that hasn't been mentioned yet - make sure to keep SSA updated if you ever remarry, as that could affect these benefits. Also, if you have any dependent children under 18 (or disabled adult children), they might be eligible for additional benefits on your husband's record too. The fact that you got approved on your first application is really remarkable given how strict the process has become. Take some time to process this good news - you've got financial security coming your way during what I'm sure has been an incredibly difficult time.

When I switched from my disability to retirement benefits last year, I got three different notices that all contradicted each other. One said I was approved, one said I needed to apply, and another had an incorrect benefit amount. I finally got it straightened out, but it took multiple calls. My advice is to keep a file with copies of EVERYTHING they send you. Take notes during every phone call including the representative's name and ID number. The SSA systems don't always communicate with each other, so having your own documentation is crucial. Also, don't be surprised if your first payment at the new benefit amount is slightly delayed. Mine was about 2 weeks late, but they eventually got it right with the correct amount.

I went through this exact same situation about 8 months ago when I switched from survivor benefits to my own retirement at 67. The conflicting letters are unfortunately very common - SSA's different computer systems don't always sync up properly. Based on your description, you're in good shape! The MySocialSecurity account showing "approved but pending" is the most reliable indicator. That second letter telling you to apply online was almost certainly an automated notice that didn't recognize your phone application. A few things that helped me when I was in your shoes: - Screenshot your MySocialSecurity status page for your records - When you do call, ask them to confirm the exact benefit amount and start date - Make sure they have your correct Direct Deposit info on file The wait times are brutal, but if it gives you peace of mind, it's worth one call to confirm everything is set up correctly. My first payment at the new rate came right on schedule despite all the confusing paperwork I received beforehand. You should be all set, but I understand wanting that extra confirmation!

btw make sure u look at spousal benefits too...might be worth having lower earner take early and higher earner wait. thats what my parents did

As someone who works in financial planning, I can confirm what others have said - you're in great shape! With 25+ years of high earnings, those zero years won't significantly impact your benefits. The Social Security formula is progressive, meaning it replaces a higher percentage of lower earnings, so your high-earning years already put you near the maximum benefit range. One thing I'd suggest is running the numbers on delaying to age 70 vs claiming at 67. With your strong earnings history, that guaranteed 8% annual increase could be substantial over your lifetime, especially since you have rental income to bridge the gap. Also, don't forget that your Social Security benefits will be partially taxable given your other income sources.