You'd be hard-pressed to find many people living in the U.S. who aren't familiar with Social Security. The federal program has been around for nearly 90 years and provides benefits to around 1 in 5 Americans, with more added to the list each year.

However, there are more individuals than you might realize who lack a full understanding of how Social Security works. Here are two important Social Security rules that millions of Americans who aren't retired yet don't know about.

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Source Fool.com