You can get Social Security retirement or survivor benefits and work at the same time. Can I work and still receive my Social Security benefit? Once you reach age 70, no additional delayed credits will be applied, so you should definitely claim your benefit by then. The increase applies from full retirement age to age 70. You can increase the amount you receive by 8% each year if you delay taking benefits beyond your full retirement age. What happens to my benefit if I delay claiming it?
For example, if your full retirement age is 67 and you sign up for Social Security when you are 62, you would only get 70% percent of your full benefit. Your benefit is reduced about one-half of one percent for each month you start your Social Security before your full retirement age. If you start your benefits early, your benefits are reduced permanently. What happens to my benefit if I claim early? You may receive full benefits at “full retirement age.” Full retirement age is increasing gradually until it reaches age 67 for those who were born 1960 or later. When can I receive Social Security retirement benefits? You will receive the benefit amount that provides you with the higher monthly benefit, but you do not receive both benefits added together. If I qualify for more than one benefit, can I receive the total amount of both? If you are divorced, you can claim the survivors benefit if you were married at least 10 years and are currently unmarried (unless you remarried after age 60).
As a widow: You must be at least 60 years old (unless you are disabled in which case you can claim your benefit as early as age 50).If you are divorced, you must have been married to your ex-spouse for at least 10 years and currently be unmarried. As a spouse or divorced spouse: You must be at least 62 years old.As a worker: You must work and pay Social Security taxes for at least 10 years (40 quarters), and be at least 62 years old.
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