Q: I worked for 24 years and then had to stop working for 7 years to take care of my sick husband who passed away in 2012.
I worked for 24 years and had to stop for 7 years to take care of my husband who was dying and on SSDI. He passed away in 2012 and I went back to work, after just 3 months I got hurt on the job and lost my thumb. I tried to go out on my own SSDI and they told me that I couldn't collect my SSDI because I hadn't worked for 7 yrs. So they put me on my husband's SSDI. I am 61 now, at what age can I collect my own SSDI or Social Security ? If I take my Social Security at age 62 will I get less then if I hold off and take it at a later age ? Thank you.
A: Hi, I am very sorry to hear about your husband. You can begin to collect Social Security Retirement at 62 1/2. You will receive less by taking the money at age 62 1/2. If you waited until 67, you would receive a greater amount per month. You would never be able to apply for SSDI since your credits expired.
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