Social Security is many seniors' primary source of retirement income, but it was never intended to function this way. It was only designed to replace about 40% of pre-retirement income, according to the Social Security Administration. But if you ask today's seniors, you'll find that the mileage varies.

While 29% of the retirees recently surveyed by Nationwide reported that their benefits covered at least 40% of their pre-retirement income, an alarming 24% found that their benefits replaced less than 10% of their income. Below, we'll look at some possible reasons why and what you can do if you feel your checks aren't going far enough.

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Source Fool.com