Ask Rusty – Working Widow Seeks to Maximize Social Security Benefits

Dear Rusty: I was widowed years ago and, when I approached age 60, I looked into Social Security survivor benefits based on my late husband's record. He started receiving Social Security shortly before he died at $1,200 per month. My income at age 60 was $42,000 and, since Social Security would keep $1 for every $2 above the limit (around $15,000 at that time), I did not apply. Next year I will…