Self employed

Not sure if I'll receive a W2 instead of a 1099NEC from them next year. My husband received the W2 for this pension annuity when he was still alive, but since I was never an employee of the company they treat surviving spouses as 1099-NEC contractors, despite me never doing any "contract" work with them.  I'm just worried that this new self-employment opens up a new can of worms.