I inquired about SS but was told I didn't have my credits in the right time period as I qiut working when I had my son 15 yrs ago except waitressing for a short time when we built our home. When we had the farm I did not treat myself as an employee and therefore did not pay into SS. So I have the 20 credits but in the wrong timeframe therefore I do not qualify. Bummer, huh? I guess someone else gets to use that money I paid into SS, oh well. Sorry about the loss of your husband, I am sure it is tough on you and your sons. I hope your money issues improve soon. Your plate is so full. Hang in there Marilyn