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AARP's Social Security Q&A Tool

I received my wife's survivor benefits at age 60. I would like to know when and if I can receive my own retirement benefit.

En español | You can claim your own retirement benefit as early as age 62. However, if you claim prior to the full retirement age, your retirement benefit will be reduced. Therefore, If you can wait until your full retirement age, you should do so because you will be able to receive your full benefits based on your work record. When you file for your retirement benefit, Social Security will compare your survivor benefit with your retirement benefit and give you the greater of the two.

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