Social Security Questions? Ask a Social Security Expert
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I am sorry to read about your difficulties. I understand your frustrations.
Unfortunately, this is the correct law. Social Security Act limits the amount one can receive in benefits. You cannot receive the entire benefits that you are entitled to on your husband's earnings and at the same time receive the entire benefits amount that you are entitled to under your own earnings. If you are both eligible for survivor benefits and your own retirement benefits, Social Security Administration would pay you the combination of the benefits that would total the maximum benefits that you are entitled to receive under the law. So, if your survivor benefits amount is continuing to decrease because of your work, it would be prudent for you to stop working because working at this point has not resulted in increased benefits for you, but has instead worked against you.
I am sorry that I do not have better news for you.