I will be collecting on my ex's SS starting next month. I've made the application already. I am 66, my full retirement age, he turned 62 in June, and I filed that month, which was the earliest I could file. I will get 50% of what his SS would be at age 66 for him, regardless of when he might choose to file. When I turn 70, I will then start collecting my own full amount, which will be several hundred dollars more than my divorced spouse amount.
If he predeceases me, I get to collect his full amount, which will be more than mine.
People have been telling scary stories about SS being on the edge of collapse for a very long time. Some 45 years ago, co-workers would assure me it wouldn't be around when we retired. It's bad enough the full retirement age has been raised. It should never be raised again. Perhaps the age at which you can first collect could be lowered, although you'd then take an enormous hit in the monthly benefit. Most people would be better off getting a minimum wage job instead.
If you haven't had a chance to read Get What's Yours, The Secrets to Maxing Out Your Social Security by Laurence J. Kotlifoff, Philip Moeller, and Paul Solman, you should. One of the things they stress is that looking at a breakeven point is often quite foolish, although in your case it may make sense.
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