Unfortunately, cajunlady, SS was never meant to be a "total" retirement plan for anyone. It's a safety net so seniors don't have to live under bridges and eat cat food. At 62 and 64, it's probably a bit late to start saving for retirement, unless you plan to work a long time, so I hope you have plenty of other savings to supplement your SS.
Best of luck.
I'm not up to speed on SS rules, but I think things might change when your husband reached Full Retirement Age at 66, not 65 (if anything changes). I also can't quite grasp how you receive your beenfit and part of his. I was under the impression that is was either your benefit or 50% of his (reduced for age 62). But I'm probably wrong on that.
Mission accomplished - not necessarily ER, but certainly R.