Nearly 70% Americans get a D or below on the Social Security knowledge quiz. Can you do better?

The Massachusetts Mutual Life Insurance Company has released its annual Social Security retirement benefits quiz results where 1,500 Americans nearing retirement age (55-65) but have not started receiving Social Security benefits answer true or false questions about the program. 35% of respondents failed, another 34% got a D on the quiz, and only 31% could get a C or better. The quiz is based on 13 true or false questions ranging from retirement age to taxation of benefits.

Question Title

* 1. In most cases, if I take benefits before my full retirement age, they will be reduced for early filing.

Question Title

* 2. If I am receiving benefits before my full retirement age and continue to work, my benefits might be reduced based on how much I make.

Question Title

* 3. If I have a spouse, he or she can receive benefits from my record even if he or she has no individual earnings history.

Question Title

* 4. Generally, if I am in a same-sex marriage, there are different eligibility requirements when it comes to Social Security retirement benefits.

Question Title

* 5. If I have a spouse and he or she passes away, I will receive both my full benefit and my deceased spouse's full benefit.

Question Title

* 6. If I file for retirement benefits and have dependent children aged 18 or younger, they also may qualify for Social Security benefits.

Question Title

* 7. The money that comes out of my paycheck for Social Security goes into a specific account for me and remains there, earning interest, until I begin to receive Social Security benefits.

Question Title

* 8. If I get divorced, I might be able to collect Social Security benefits based on my ex-spouse's Social Security earnings history.

Question Title

* 9. Under current Social Security law, full retirement age is 65 no matter when you were born.

Question Title

* 10. Under current law, Social Security benefits could be reduced by 20% or more for everyone by 2035.

Question Title

* 11. If I delay taking Social Security benefits past the age of 70, I will continue to get delayed retirement credit increases each year I wait.

Question Title

* 12. Social Security retirement benefits are subject to income tax just like withdrawals from a traditional IRA account.

Question Title

* 13. I must be a U.S. citizen to collect Social Security retirement benefits.

T