Dear Penny, I am a widow. My husband was 53 when he died. He was collecting Social Security disability for about two years preceding his death. I am nearing retirement age and was planning on taking his Social Security when I reach my full retirement age, and then switching to mine when I turn 70. […] This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc.