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.
The attached final report presents the results of our audit. and correctly adjusted benefits to widow(er)s when they attained full retirement age. Steven L. Schaeffer, Assistant Inspector General for Audit, at (410) 965-9700.