Social Security Questions? Ask a Social Security Expert
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Since you are now at full retirement age (age 66) you can now earn an unlimited amount of income without penalty. Before full retirement age you could only earn up to $15.720 without penalty. Unfortunately you cannot receive both your own retirement benefit in addition to your survivor benefit based on your spouse's social security. You can only receive the higher of the two benefits. Understand that even if your benefit is higher you can continue to take your husband's survivor benefit until age 70 and earn an 8% increase per your for a total of 32% increase at age 70. Your situation is basically the best planning mechanism related to social security and if you can at all help it, you should continue taking his benefit until age 70 if possible to maximize your own benefit (especially if the amounts are reasonably comparable).
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