Good afternoon Pamela,
I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today. I have been a licensed attorney for more than 3 decades. Please don't confuse excellent service with a satisfactory outcome based on your wants and desires. I can only explain the law to you---not guarantee that you will be happy with the outcome---any more than a cancer surgeon can guarantee a cure. In other-words---no fair shooting the messenger.
There is a maximum social security benefit that is paid----regardless of how much you may earn. Your husband's benefit won't be any higher than someone who earned 1/10 of his income over the years because the maximum social security benefit is about $2650.
Because you applied for the benefit at age 62, you were only entitled to 60% of the same benefit that you would have received at age 66.
If he maxed his benefit out---meaning he will get $2,650 per month at full retirement age, then your full retirement age spouse benefit would have been about $1,325 per month. But because you applied 4 years before your full retirement age, you got on 70% of that.
So if he was right at the top in 2016 numbers, your maximum benefit at age 62 would be about $927 per month. The difference between my number and the amount of your benefit is likely accounted for by the fact that you applied for the benefit several years ago.
Also keep in mind that if you are also getting Medicare Part B, you probably have a Medicare premium deduction of about $105 per month from your benefit.
I understand that you may be disappointed by the Answer you received, as it was not particularly favorable to your situation. Had I been able to provide an Answer which might have given you a successful legal outcome, it would have been my pleasure to do so.
If you have additional questions, you may of course reply back to me and I will be happy to continue to assist you further until your questions have been answered to your satisfaction.
Would you please take a moment to positively rate my service to you based on the understanding of the law I provided by clicking on the rating stars---three stars or more. It is that easy. That is the way I am compensated for having helped you.
Thank you in advance. I wish you the best in your future,