I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
Yes, you are eligible to make a survivor claim now based on your husband's lifetime earnings and you may then switch to your own retirement benefit at a later time.
However, if you are still working outside the home and earning income, you need to be aware of the possible penalties if you are getting a survivor benefit before age 66 and you are earning income. Let me explain.
If you are under full retirement age for the entire year, social security will deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2015, that limit is $15,720.
In the year you reach full retirement age, social security will deduct $1 in benefits for every $3 you earn above a different limit. In 2015, the limit on your earnings is $41,880 but they only count earnings before the month you reach your full retirement age.
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I wish you and yours the best in 2015,