I’ve speculated before that most of the readers of my column are women. And that conjecture is based on the fact that I seem to get many more emails from them than I get from men. That’s why, for example, in the past month, I’ve written two columns targeted to my female readers. But I guess I didn’t do a very good job of helping them understand the Social Security program, because those columns seem to have generated even more emails from women. Here is a sampling. Q: I am 75 years old and getting widow’s benefits from my first husband, who died many years ago. I was married a second time for 20 years to another man. He was a doctor and made very good money. I divorced him because of physical abuse I suffered. He is living in a beach house in San Diego. I live in a …