Q: My sister told me that if my Social Security check is ever lost or stolen, the government would not replace it. Is this true? That certainly doesn't seem fair.

A: Almost everybody receives his or her Social Security benefits by direct deposit, and the huge advantage to direct deposit is that there is no "check" to get lost or stolen. With direct deposit, your Social Security funds are automatically transferred from the government's coffers to your bank account.

But ...

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