The U.S. has plenty of great social programs, but you could argue that Social Security is the most crucial. Around 53 million Americans receive Social Security retirement benefits, and for many of them, Social Security is the only or a large part of their retirement income.

Unfortunately, navigating the ins and outs of Social Security isn't always a walk in the park. There are consistent changes that retirees need to keep up with to ensure they're not caught off guard and can properly plan their retirement finances.

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Source Fool.com