Good afternoon Elaine,
I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
The first thing that you should do is IMMEDIATELY apply for your social security benefit. Your benefit reached its maximum value when you reached age 70 and has not increased in value since then. You have lost all the money that you could have collected since turning 70.
You are allowed to collect up to 6 months of retroactive benefits when you apply, but all the benefits before that going back to when you reached age 70 are now lost and cannot be recovered.
The fact that you are still working does not matter. Ever since age 66 you could have taken your social security benefit and earned as much as you wanted---because after 66 there is no income limitation imposed by social security.
You should apply for your full social security benefit today, and be sure to ask for your benefits to be granted retroactively back the 6 months you are allowed to ask for.
While you can apply online for your Social Security Retirement Benefit or a Spouse Benefit at this site: http://www.ssa.gov/retirement/about.htm I would suggest that you go down to your local social security office and apply in person so absolutely no mistake is made and you don't lose any more money than you already have.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
Please be so kind as to rate my service to you. That is the only way I am credited for assisting you.
I wish you and yours the best in 2016,