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.