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Just 1% of people aced this quiz on Social Security retirement benefits.

Deciding at what point you will collect Social Security benefits may be one of the biggest decisions you make in retirement.

Yet many people who are at or near the age when they face that choice may need to brush up on the program’s rules before they do.

MassMutual recently gave a 13-question true/false quiz to 1,500 individuals ages 55 through 65.

The result was 65% of people either failed or got a D grade. Meanwhile, 18% of respondents earned a C, while 12% got a B and 6% earned an A. Just 1% of respondents got a perfect score.

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