Feeling nervous about potential changes to Social Security is a natural reaction, but the reality of the situation may help soothe your nerves.

This spring, something unexpected happened: the number of people applying for Social Security benefits surged. Between January and May, the number of Americans who applied for Social Security jumped by nearly 18% compared to the same period last year. What's more, the Social Security Administration (SSA) is on track to receive nearly 4 million retirement claims this year, an increase of more than 525,000.

What's driving the surge? According to the Urban Institute, the primary reason claims are up appears to be the increased fear and confusion Americans have after proposed (and actual) changes to the SSA. After the closing of some SSA offices an

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