I almost overlooked the death certificate of her husband.
The lady I was researching died in 1914 and was listed as a widow. I didn't look at the death certificate for a man with the same last name who also died in 1914, thinking it could not be her husband.
Turns out is was. They died 4 days apart. Don't assume anything. Being listed as a widow only means her husband died before her. It could have been 2 days or 20 years.