Here’s what you need to know.

Although it is sought after by many, social security benefits is not guaranteed after retirement. There are many benefits that Americans can miss out on even though they have been taxed for it.

One of the major ways that a person can miss out on these benefits is by failing the social security earnings test. This mostly applies to those who are claiming their benefits early rather than at full retirement age. The Social Security Administration will temporarily withhold $1 in benefits for every $2 earned over $18,960.

Another major way that Americans miss out on benefits is by coming up short on credit. In order to receive benefits, one must work a certain amount of time while paying their taxes to build up “credit” within the system. People must have at least 40 credits to receive benefits which means that a person must work for 10 years.