If you’re planning on relying solely on your social security check for retirement, you may want to reconsider. Here’s why. USA TODAY

Many older Americans view Social Security as a financial workhorse for their golden years.

Yet the program provides far less income than they think, partly because they tap the entitlement before reaching retirement age, a new survey shows.

Forty-four percent of older Americans who are retired or plan to retire within 10 years see Social Security as their main source of retirement income, according to the February survey of 1,315 adults age 50 or older by the Nationwide Retirement Institute, a unit of Nationwide Financial. And 26% believe they can

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