Social Security

Social Security has (3) programs:

• Retirement which also covers Spousal benefits
• Survivors Benefits 
• Social Security Disability Benefits

We are only talking about Retirement benefits here - including Spousal benefits.

@Margoriedel asked:  [my replies are in bold type]

(1) Will him drawing early negatively impact what I will draw once I apply?

Not at all. 

(2)  Second, could he be drawing off mine since it's going to be a lot more than his?

If you two are still married - then he cannot file for any Spousal benefits until you have retired.  

However, he can draw his own benefits now at a reduced amount because he is filing to get them early - and then when you retire, and he want to see if the spousal benefit he gets from you is higher, he can and then get the higher benefit -  but whichever higher benefit he gets, is still gonna be reduced because he is filing for his Retirement benefits early and both of these are in the Retirement category and that decision to start early follows him to any other Retirement benefit which he may be eligible.

(3) Third, someone told me I might be able to be drawing 50% of his now while I'm still working and then switch to mine when I get older.

Probably not if you are the higher benefit earner because when you decide to retire then your Retirement benefit will be checked against ANY Retirement benefit to which you are eligible and then you get the higher benefit amount.

The same rule applies to your husband - he has to file for all the Retirement benefits to which he has any claim - but his is the only one to which he has a claim now because you are not yet retired; thus he has not claim on spousal benefits right now because you have not retired.  But when you retire, he will then be eligible to see if his spousal benefits (reduced because he filed early) will be higher than his own that he is currently receiving and if so , he can switch to a reduced spousal benefit .

OK ?