Dear Rusty: I am 67 and still working full time but plan to retire after June of next year. Because of my income I have not been drawing my Social Security (SS) benefits; however, my income will not be a tax issue in 2020 with my planned retirement. If I begin drawing my SS when I’m 68 next June, can I draw it retroactively to the first of the year at that rate? Or, beginning Jan. 1, 2021, can I draw on my deceased wife’s SS and then switch to my higher rate upon my birthdate in June?