A whopping 85% of retired Americans say they rely on Social Security benefits, according to a recent survey by The Motley Fool. Of that group, 40% say they depend completely on their monthly checks in retirement.

Because Social Security makes up a considerable amount of income for many older adults, it's wise to ensure you're making the most of your benefits.

Fortunately, there are steps you can take to maximize your checks. There's one move in particular that could potentially make or break your retirement -- and it only takes a few minutes.

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Source Fool.com