Social Security is a hot-button issue in politics these days. Without reform, the program may have to cut benefits for millions of seniors who rely on the program to make ends meet and even more Americans who've already paid into the program.

While it's unlikely we will see any major overhauls to Social Security before the end of 2024, the program has some built-in changes that go into effect at the start of every year. And if you're not paying attention, you might end up surprised. Considering the importance of the program for everyone -- retirees and workers alike -- it's important to stay up to date on the latest changes. Here are three big Social Security changes coming in January.

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Source Fool.com