And that, of course, comes on top of the news that seniors won't see a cost-of-living increase in their Social Security checks in 2016.

And that could cause big problems, because the majority of Americans still say that they're going to be depending on those benefits to get through retirement.

This is despite the fact that most don't believe the program will be there to help them.

A survey from RBC Wealth Management-U.S., conducted by Ipsos, found that 72 percent of Americans believe they'll be relying on Social Security when they retire.

But 55 percent don't believe those checks will be there, no matter how much they need them.

While GenXers (aged 35–54) are the least confident that they'll be able to rely on a Social Security benefit—67 percent said the benefits just won't be there—55 percent of millennials and 41 percent of boomers are also pessimistic.

Ironically, the generation most confident in their ability to collect Social Security when they need it—boomers—are also the most affected by the changes in the Social Security program.

They're also the most likely, at 83 percent, to say they're going to need those Social Security checks.

Couples relying on claiming strategies such as file-and-suspend, together with the ability to collect a lump-sum check of retroactive benefits, or the ability to file a restricted application, will either have to do so before the end of April or develop a new strategy.

And if they're not the right age to take advantage of those strategies now, before they go away, they'll just be out of luck.

There are some exceptions, of course, but more boomers will be affected than not—and if they've been counting on those checks, they'll have to run the numbers again.