Personality change. Mentally-This is going to be the hardest part of change, because when people do change their personality it's hard for them to stick to it. Don't think it's fake because you want to improve yourself. There is no harm in becoming a better person, just as long as you do the right thing.
Widows or widowers benefits based on age can start any time between age 60 and full retirement age as a survivor. If the benefits start at an earlier age, they are reduced a fraction of a percent for each month before full retirement age. If a person receives widow's or widower's benefits, and will qualify for a retirement benefit that's more than their survivors benefit, they can switch to their own retirement benefit as early as age 62 or as late as age 70.
See Â§Â§ 723 - 725 for an explanation of how the reduced rate is computed; You choose to receive and are paid a reduced widow(er)'s benefit for months before you reach retirement age. A reduced benefit rate is payable for as long as you are entitled to widow(er)'s benefits.For a possible adjustment at age 62 and retirement age, see Â§ 728; Note: Entitlement to this reduced rate may result in a reduction in any disability or retirement insurance benefit to which you may later become entitled.ee Â§Â§ 723 - 725 for an explanation of how the reduced rate is computed; You choose to receive and are paid a reduced widow(er)'s benefit for months before you reach retirement age. A reduced benefit rate is payable for as long as you are entitled to widow(er)'s benefits.