Social Security
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4/4/2023
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If you are eligible for retirement benefits based on your own work record and you have reached full retirement age (which is 66 or 67 depending on your birth year), you can apply for retirement benefits based on your own record. You can apply for retirement benefits online at the Social Security Administration (SSA) website, by phone, or by visiting your local SSA office.
To determine whether your personal benefits are higher than the benefits you have been receiving based on your deceased husband's record, you can use the Retirement Estimator tool available on the SSA website. The tool will provide you with an estimate of your retirement benefits based on your own work record. https://www.ssa.gov/oact/quickcalc/index.html
You can also contact the SSA directly by phone at 1-***-***-**** to request an estimate of your retirement benefits based on your own work record.
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