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Bank tellers are on the front lines.

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However, they also see the consequences suffered by those who get it wrong.

GOBankingRates spoke with Izabella Bogumil, a relationship advisor withAddition Financial Credit Unionin Lake Mary, Florida.

This makes them lose a significant amount of their full benefit per month.

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Unfortunately, Social Security just doesnt cut it as a sole source of income.

They have the most to lose, though.

However, records can often be incorrect or incomplete.

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I recommend seniors check their earnings reports yearly to ensure they are accurate and complete.

If something seems incorrect, drop a line to the Social Security Administration right away.

Social Security is not always an easy step-by-step process, said Bogumil.

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I hear from many seniors who find the process lengthy and confusing when they go to apply.

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