Question: I am 60 years old. My husband of 31 years died at age 64. I have not remarried. Can I collect on his Social Security at a reduced rate without jeopardizing any of my own Social Security? Response: First let me say I am saddened by your loss. The short answer to your question is “yes” you can draw a survivor benefit without impacting your own retirement benefit. You can start your widow benefit at age 60 and then collect your own, unreduced, social security at age 66 or 70. HOWEVER, before you make any Social Security election you need to thoroughly understand your options. I recommend you talk directly to a Social Security professional at your local Social Security office. Or, you can call the Social Security Administration toll-free at 1-800-772-1213 and use their automated telephone services to get recorded information and conduct some business 24 hours a day. (www.christianfinancialministries.org)