Social Security is America's largest retirement plan, by far. Almost nine out of 10 Americans age 65 or older receive Social Security, and for most retirees, Social Security is a crucial source of income that helps provide stability and financial freedom. Here's what Social Security means to your retirement, how much you can expect to get, and whether you should worry about Social Security's future or not.

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Even though today's older workers are eligible to retire and collect Social Security in full at either age 66 or 67, a growing number of employees are pushing themselves to work well into their 70s. But while it's one thing to extend your career a bit longer, it's another thing to plan on working indefinitely -- yet that's where a growing number of Americans are.

If you were born between 1943 and 1954, your full retirement age is 66. If you haven't claimed Social Security yet, you're probably debating if you should claim at 66, or wait until age 70. It's a difficult decision, because if you claim at 66, you'll get more checks over your lifetime than you'd get if you wait, but those checks will be smaller. Is it better to claim at age 66 than at age 70? It depends.

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