Social Security Questions? Ask a Social Security Expert
You would be able to start at age 60 and switch to your own benefits starting at age 70, at age 70 you would receive a higher benefit based upon your work record, if you had enough individual work credits, if you never worked, taking benefits as early as age 60 would reduce them significantly 30% or more, the closer you take them to age 66 the less the penalty
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no, however, it may be best to make an appointment with your local social security office, they will go over in detail your social security details.
you can go to this link and find your local office, if you provide your zipcode, I can get you your local office as well.