Social Security is one of America's most significant social programs, but there's no denying that it can be challenging to navigate sometimes. There are many rules, information that changes annually, and state-specific regulations that require retirees to remain up to date at all times.

Unfortunately, the wealth of information surrounding Social Security can sometimes lead to misinterpretation and the spread of myths. Neither of these is good, because knowing the truth from fiction is essential to making informed decisions. Here are three common myths you should be aware of and avoid believing.

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Source Fool.com