Thank you!  That does help.  I also did get to talk to a SS rep this a.m., and she confirmed that my income prior to the effective date of benefits does NOT count against me, only what is earned after that point.

Hello, before I call SS directly, was hoping someone here has some input.  My husband died suddenly 9 months ago at 49, I'm 40 with 2 girls, ages 12 and 6.  They are getting survivor benefits monthly and I'm entitled to receive widow benefits while t...