Key Points Don't expect it to provide the lion's share of your retirement income. It's best to set up multiple income streams you can rely on. Take time to have an overall retirement plan in place. The $23,760 Social Security bonus most retirees completely overlook › Nearly 70 million people collect some kind of Social Security benefits. Most are retirees, but in various circumstances, spouses and children of retirees, disabled workers and their family members, and survivors of deceased workers a ...