Quiz - Test your Social Security knowledge

Social Security is an invaluable program — but sometimes it can be complicated. How much do you really know about Social Security? Test your knowledge today by taking this quiz!

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* 1. In most cases, if I take benefits before my full retirement age, they will be reduced for early filing.

True

False

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* 2. 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.

True

False

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* 3. If have a spouse, he or she can receive benefits from my record even if he or she has no individual earnings history.

True

False

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* 4. Generally, if I am in a same-sex marriage, there are different eligibility requirements when it comes to Social Security retirement benefits.

True

False

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* 5. If I have a spouse and he or she passes away, will receive both my full benefit and my deceased spouse's full benefit.

True

False

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* 6. 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.

True

False

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* 7. If I file for retirement benefits and have dependent children aged 18 or younger, they also may qualify for Social Security benefits.

True

False

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* 8. If I get divorced, I might be able to collect Social Security benefits based on my ex-spouse's Social Security earnings history.

True

False

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* 9. Under current law, Social Security benefits could be reduced by 20% or more for everyone by 2035.

True

False

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* 10. Under current Social Security law, full retirement age is 65 no matter when you were born.

True

False

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* 11. 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.

True

False

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* 12. Social Security retirement benefits are subject to income tax just like withdrawals from a traditional IRA account.

True

False

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* 13. I must be a U.S. citizen to collect Social Security retirement benefits.

True

False

This quiz was created and published by Mass Mutual, 2014.