Should I file before it goes away?

I’m retired but my husband always thought I should wait as long as possible to file for social security benefits. He’s hoping to work 5 more years, and I’m still on his insurance, even though it’s expensive and basically worthless. I’ve read it’s better to draw early for a few reasons, but my husband disagrees. Now, in light of recent events, I’m concerned the program will disappear before our retirement plan comes to fruition. Is it now recommended by most to collect ASAP before it goes away? Am I overreacting?