Millions of seniors today receive a monthly benefit from Social Security. And once your career comes to an end, you might begin to rely pretty heavily on those benefits for income.

As such, if you're getting close to retirement, it's important to have a good understanding of how Social Security works. But in a recent MassMutual survey, 41% of respondents age 55 to 65 got an "F" on a Social Security quiz containing basic questions about the program.

If you're someone who couldn't pass a pretty basic Social Security quiz yourself, then it's definitely important to read up on how the program works. Here are some key things to know.

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Source Fool.com