You can go all the way to 70 which will more than double your age 62 benefits when you factor in anticipated COLAs. Don't rely on just one SS opinion..this is new for many of them, but I can tell you that we have gone to the top of SS to validate this info..Here is a cut of the article:
Morbid as it sounds, the possibilities become even more intriguing after a spouse dies. If you are a widow or widower, you can take Social Security based on your own earnings' record or claim your deceased spouse's benefit as a survivor's benefit.
Unfortunately, you can't get both benefits at the same time. But you can swap between the two, thus getting extra money out of Uncle Sam.
For instance, you might take reduced benefits based on your earnings' record at age 62 and then claim your survivor's benefit at your full retirement age. Alternatively, you could take a reduced survivor's benefit at age 60 and then later claim Social Security based on your earnings record.
"You have to play with the numbers, to figure out which is best," Ms. Yarrington says. "Ask the Social Security Administration what you're entitled to at age 60, 62, 65 and 70 on each record and see which is the best way to go."
Got other questions about Social Security? Head to the site www.ncpssm.org/contact/ask
to read Ms. Yarrington's answers to a host of questions."