Can I get Social Security spousal benefits with $719 retirement vs husband's $4100 benefit?

Yes, you absolutely qualify for a spousal benefit in this situation! The spousal benefit can be up to 50% of your husband's Primary Insurance Amount (PIA), which is what he would have received at his FRA (before his delayed retirement credits). With your benefit being only $719 and his being $4100, there's definitely room for a spousal top-up. You should contact SSA immediately as they don't automatically calculate and add this - you need to apply specifically for the spousal benefit. They won't give you retroactive benefits for more than 6 months, so don't delay.

my mom had same thing happen her check was small but dad's was big and she got extra money but they didnt tell her she had to ask for it so definately call SS

I need to clarify something important here. The spousal benefit is based on your husband's Primary Insurance Amount (PIA), not his current benefit of $4100. His PIA would be the amount he would have received at his FRA, before the increases for delaying to age 70. So if his PIA is around $3000 (just an estimate), then the maximum spousal benefit would be $1500. Since you're already receiving $719, you would get a "top-up" of about $781 to reach that 50% mark. And yes, you must apply specifically for this - SSA doesn't automatically add spousal benefits even when they should. Call them right away because they limit retroactive payments to 6 months.

When did you turn 70? Because there might be some retroactive benefits they could pay you too going back a little while. Definitely worth asking about when you call!

I tried calling SSA for THREE DAYS last month for a similar issue and could NOT get through!!! Their hold times are RIDICULOUS and they kept disconnecting me after I waited for over an hour each time!! So frustrating when you need help with something important like this. Good luck getting anyone on the phone!!

wait i'm confused... does it matter that she already filed for her own benefits? doesn't that disqualify her from spousal?

After your call with SSA, please come back and let us know how it went. Based on your numbers (your $719 vs. husband's $4100), you should definitely see a significant increase in your monthly benefit. Just be prepared to be patient on the call - have your Social Security numbers ready, verification information, and perhaps your most recent Social Security statement. They'll need to verify both your records to calculate the proper spousal benefit.

My aunt just went thru this exact thing last yr. SSA gave her a nice chunk of backpay for 6 months plus her monthly check went up by like $800 or something. She was so mad nobody told her sooner!

One more important point - when you call SSA, specifically ask for the "spousal benefit" or "spouse's benefit" by name. Sometimes if you just say you want to see if you can get a higher benefit, the representative might not check all options. Be sure to mention that your husband's benefit is significantly higher than yours and you believe you qualify for a spousal top-up benefit. Write down the name of the representative you speak with and ask for a confirmation number for your application.