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.
For example, one widow I worked with had these two options: 1  Take a widow benefit at age 60 of $18,180 a year, then at her age 70 switch to her own benefit and get $20,304. 2  Or she could take her own benefit amount starting at her age 62 of $10,752 a year, and then at her age 66 switch to her widowâs benefit which would then be $24,480 a year.