I am a widow of 21 years. I am a grandmother. I am a great grandmother. I worked all my life. I had to give up a LARGE percentage of my deceased husband's social security because I could no longer work at my business. I had, a one person interior design business based out of my home. I became ill, no money for health insurance. Totally defeated I lost my pride ant attempted to seek very short term assistance from my government. The government considered me at "poverty level' in many respects but when I tried to get just a month or two help with food and seeking any kind of help for my health issues I was denied , this time, based on OTHER government guidelines, I received too much money. I was told that this happens every day. I received an apology - no help. My point is this., I worked all my adult life yet Social Security made me CHOOSE, which social security payments I wanted. As a widow, of course I took my husbands. Yet I was STILL loosing my social security and, as stated previously, but penalized for taking my husband's benefits early.