Social Security is a complex program. It doles out benefits to over 69 million Americans each month, so it's tough to accommodate that many people with a one-size-fits-all solution. It is for perhaps this reason that retirees can claim benefits at different ages.

Social Security shouldn't be your only source of income in retirement. Here's why you should think about saving now while you're still working.

When you receive your check depends on how long you have been collecting Social Security and your date of birth