As the federal government's Social Security program undergoes major restructuring, many of the the nearly 69 million Americans who receive benefits are especially eager to see their monthly checks.

Social Security's payment schedule is normal in April, but recipients who get Supplemental Security Income benefits will get two checks in May.

Understand how early retirement impacts survivor benefits. Learn if your spouse's reduced Social Security at 63 will affect their future widow/widower's benefits after your death.