{"id":271,"date":"2020-02-12T17:15:00","date_gmt":"2020-02-12T17:15:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog-2023\/?p=271"},"modified":"2023-06-22T19:52:43","modified_gmt":"2023-06-22T19:52:43","slug":"5-social-security-rules","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/5-social-security-rules\/","title":{"rendered":"Study: Only 1 in 300 Seniors Know These 5 Social Security Rules"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"271\" class=\"elementor elementor-271\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-54955c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54955c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4eddd44\" data-id=\"4eddd44\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d03e644 elementor-widget elementor-widget-template\" data-id=\"d03e644\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/elementor\/css\/custom-pro-widget-call-to-action.min.css?ver=1764022918\">\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e0a7d13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e0a7d13\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53b23d5\" data-id=\"53b23d5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a4aa3b9 elementor-widget elementor-widget-text-editor\" data-id=\"a4aa3b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>In 2019, 64 million Americans were estimated to have received\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-retirement-benefits\/\">Social Security benefits<\/a>, and for more than half of elderly beneficiaries, Social Security represented over 50% of their income. Nonetheless, a recent\u00a0<a href=\"https:\/\/www.simplywise.com\/\">SimplyWise<\/a>\u00a0survey found that less than one in eight Americans aged 60 to 70 considered themselves \u201cvery knowledgeable\u201d on the topic.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-39be7c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"39be7c3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9dcbf64\" data-id=\"9dcbf64\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-03a6e39 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03a6e39\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a5bd59e\" data-id=\"a5bd59e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8776d17 elementor-widget elementor-widget-text-editor\" data-id=\"8776d17\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Worse, only one out of 300 people asked knew the correct answer to all five of the following questions. These questions are fundamental and\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/\">confusions lead to people missing out on income<\/a>\u00a0they desperately need. Whether you\u2019re single, divorced or\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/maximize-ss-married-couple\/\">married and looking to maximize your retirement income<\/a>, familiarizing yourself with the rules is paramount to a relaxed retirement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eeebe22\" data-id=\"eeebe22\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2dffbcc elementor-widget elementor-widget-image\" data-id=\"2dffbcc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"488\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/Screen-Shot-2023-06-15-at-12.18.30-PM.png\" class=\"attachment-large size-large wp-image-274\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/Screen-Shot-2023-06-15-at-12.18.30-PM.png 666w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/Screen-Shot-2023-06-15-at-12.18.30-PM-300x229.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c0c4a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c0c4a7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41042af\" data-id=\"41042af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1091f51 elementor-widget elementor-widget-text-editor\" data-id=\"1091f51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Question 1: Claiming at which age maximizes your monthly earned Social Security benefit?<\/h2><p>Correct answer: 70. While non-disabled people can begin collecting their Social Security benefits at 62, the monthly benefit amount will increase for every month they wait\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-benefits-by-age\/\">until turning 70 years old<\/a>. After that, the benefit does not increase.<\/p><p>How many people got it right: 42%.<\/p><p>Most common wrong answer: 35% of people believe that you earn the maximum monthly benefit at full retirement age. Full retirement age entitles you to 100% of your\u00a0<a href=\"https:\/\/www.ssa.gov\/OACT\/COLA\/piaformula.html\">PIA (Primary Insurance Account)<\/a>, which is the amount you\u2019ve earned based on your working record, but waiting past your full retirement age will earn you delayed retirement credits and result in an increased benefit amount.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8ccbbbd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ccbbbd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-786b490\" data-id=\"786b490\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-858a984 elementor-widget elementor-widget-image\" data-id=\"858a984\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"951\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/benefits-depending-on-claiming-age-689x1024.png\" class=\"attachment-large size-large wp-image-275\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/benefits-depending-on-claiming-age-689x1024.png 689w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/benefits-depending-on-claiming-age-202x300.png 202w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/benefits-depending-on-claiming-age-768x1141.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/benefits-depending-on-claiming-age-1034x1536.png 1034w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/benefits-depending-on-claiming-age-1378x2048.png 1378w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc74cb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc74cb4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e2e8a8\" data-id=\"5e2e8a8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ae3b38 elementor-widget elementor-widget-text-editor\" data-id=\"6ae3b38\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Question 2: For non-disabled people, what is the earliest age you can receive survivors benefits?<\/h2><p>Correct answer: 60.<\/p><p>How many people got it right: 9%.<\/p><p>Most common wrong answer: 21% of people believe that the age is 62. In the case of earned benefits and spousal benefits, this is correct, but the\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-and-death\/\">age drops for survivor benefits<\/a>. Similar to earned and spousal benefits, waiting past the earliest age can increase the monthly benefit amount.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e7a8cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e7a8cf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e479a5e\" data-id=\"e479a5e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0993cc elementor-widget elementor-widget-image\" data-id=\"f0993cc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"822\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/survivor-benefits-797x1024.png\" class=\"attachment-large size-large wp-image-276\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/survivor-benefits-797x1024.png 797w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/survivor-benefits-234x300.png 234w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/survivor-benefits-768x986.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/survivor-benefits-1196x1536.png 1196w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/survivor-benefits-1595x2048.png 1595w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/survivor-benefits.png 1878w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3b5dcf7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b5dcf7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dcb0bb1\" data-id=\"dcb0bb1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c6e6cde elementor-widget elementor-widget-text-editor\" data-id=\"c6e6cde\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Question 3: Does your spouse need to be receiving Social Security benefits for you to qualify for spousal benefits?<\/h2><p>Correct answer: If you intend to collect\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-spousal-benefits\/\">Social Security benefits based on your current spouse\u2019s earnings record<\/a>, your spouse must already be collecting his or her Social Security earned benefits. When it comes to\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-benefits-for-divorced-spouses\/\">collecting spousal benefits on an ex-spouse\u2019s record<\/a>, however, this is not necessary.<\/p><p>How many people got it right: 20%.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be04d35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be04d35\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bcffa9a\" data-id=\"bcffa9a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7a3cf2 elementor-widget elementor-widget-image\" data-id=\"a7a3cf2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"834\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/married-786x1024.jpeg\" class=\"attachment-large size-large wp-image-277\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/married-786x1024.jpeg 786w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/married-230x300.jpeg 230w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/married-768x1001.jpeg 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/married-1178x1536.jpeg 1178w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/married-1571x2048.jpeg 1571w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/married.jpeg 1878w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f73365e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f73365e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-352c6b9\" data-id=\"352c6b9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28592b0 elementor-widget elementor-widget-text-editor\" data-id=\"28592b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Question 4: Can divorced spouses receive survivor benefits?<\/h2><p>Correct answer: Yes.\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-benefits-for-divorced-spouses\/\">The criteria differ slightly<\/a>\u00a0from those of married spouses \u2013 for example, the marriage must have lasted for at least 10 years and there are rules around remarriage \u2013 but divorced spouses can collect survivor benefits in relation to a deceased ex-spouse.<\/p><p>How many people got it right: 38%.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d7bc5ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7bc5ff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe2efe5\" data-id=\"fe2efe5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a324126 elementor-widget elementor-widget-image\" data-id=\"a324126\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"870\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/divorced-widow-753x1024.png\" class=\"attachment-large size-large wp-image-278\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/divorced-widow-753x1024.png 753w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/divorced-widow-221x300.png 221w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/divorced-widow-768x1045.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/divorced-widow-1129x1536.png 1129w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/divorced-widow-1506x2048.png 1506w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/divorced-widow.png 1894w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ed75e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ed75e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cbb3ed9\" data-id=\"cbb3ed9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d788519 elementor-widget elementor-widget-text-editor\" data-id=\"d788519\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Question 5: Can divorced spouses receive spousal benefits?<\/h2><p>Correct answer: Yes. As is the case for survivor benefits, some differences do exist when applying Social Security rules to divorcees as opposed to married couples, but divorced spouses are eligible for spousal benefits.<\/p><p>How many people got it right: 67%.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71f6fee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71f6fee\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dafa90f\" data-id=\"dafa90f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9c94cc8 elementor-widget elementor-widget-image\" data-id=\"9c94cc8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"861\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/apply-direc-761x1024.png\" class=\"attachment-large size-large wp-image-279\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/apply-direc-761x1024.png 761w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/apply-direc-223x300.png 223w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/apply-direc-768x1033.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/apply-direc-1142x1536.png 1142w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/apply-direc-1523x2048.png 1523w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/02\/apply-direc.png 1878w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20e4a80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20e4a80\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f23fed\" data-id=\"3f23fed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41cd0f2 elementor-widget elementor-widget-text-editor\" data-id=\"41cd0f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Takeaways<\/h2><p>Millions of Americans have paid into the Social Security system. Unfortunately, confusion is common, highlighted by misconceptions around spousal benefits, survivors benefits,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-child-benefits\/\"><b>child benefits<\/b><\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/taxes-and-social-security\/\"><b>taxes on Social Security<\/b><\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/work-and-maximize-ss-benefits\/\"><b>maximizing Social Security while working<\/b><\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/ssa-cost-of-living-adj\/\"><b>cost of living increases<\/b><\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-application-process\/\"><b>how to apply<\/b><\/a>\u00a0and more. Some of these mistakes can cost recipients upwards of $80,000.<\/p><p>Increasingly, online\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/\">Social Security blogs<\/a>\u00a0and\u00a0<a href=\"https:\/\/www.simplywise.com\/\">free calculators<\/a>\u00a0are emerging to help people avoid costly mistakes. Hopefully, with better education around the topic, Americans can maximize what they\u2019ve earned.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2708621 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2708621\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34babcf\" data-id=\"34babcf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-952c00d elementor-widget elementor-widget-template\" data-id=\"952c00d\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In 2019, 64 million Americans were estimated to have received&nbsp;Social Security benefits, and for more than half of elderly beneficiaries, Social Security represented over 50% of their income. Nonetheless, a recent&nbsp;SimplyWise&nbsp;survey found that less than one in eight Americans aged 60 to 70 considered themselves \u201cvery knowledgeable\u201d on the topic.&nbsp; Worse, only one out of [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":272,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-271","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Study: Only 1 in 300 Seniors Know These 5 Social Security Rules - SimplyWise Cost Estimator<\/title>\n<meta name=\"description\" content=\"Social Security income is important to over 60 million Americans, but few have a deep understanding. We found 5 all-too-common misunderstandings that cost people money...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplywise.com\/blog\/5-social-security-rules\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Study: Only 1 in 300 Seniors Know These 5 Social Security Rules - SimplyWise Cost Estimator\" \/>\n<meta property=\"og:description\" content=\"Social Security income is important to over 60 million Americans, but few have a deep understanding. 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