The insurance company Mass Mutual recently put together a Social Security knowledge quiz. The format
is true or false and may educate people a little better about a system which many people rely on and
continue to rely on.
If I take benefits before my full retirement age, they will be reduced for early filing.
If I am receiving benefits before my full retirement age and continue to work, my benefits might be reduced based on how much I make.
Once I start collecting Social Security, my benefit payments will never change.
If I have a spouse, he or she can receive benefits from my record even if he or she has no individual earnings history.
If I have a spouse and he or she passes away, I will receive both my full benefit and my deceased spouse’s full benefit.
The money that comes out of my paycheck for Social Security goes into a specific account for me and remains there, earning interest, until I begin to receive Social Security benefits.
Under current Social Security law, full retirement age is 65 no matter when you were born.
As a divorced person, I might be able to collect Social Security benefits based on my ex-spouse’s earnings history.
Under current law, Social Security benefits could be reduced for everyone in 2035.
If I file for retirement benefits and have dependent children age 18 or younger, they also may qualify for Social Security benefits.
If I delay taking Social Security benefits past the age of 70, I will continue to get delayed retirement credit increases each year I wait.
I must be a U.S. citizen to collect Social Security retirement benefits.