Social Security is one of America’s most trusted programs—but it’s also one of the most misunderstood. For decades, myths have circulated about how benefits work, when to claim, and what happens if the system “runs out.” Many retirees make costly decisions based on hearsay instead of facts. The truth is, most of these myths have been repeated so often they feel real—but they’re not. Here are five of the most common Social Security misconceptions that quietly shape retirements across the country.
