You are developing a financial plan to provide a retirement income for a customer starting at age 65. the customer asks you how social security retirement benefits work and how these benefits fit into the plan. you should explain all of the following key facts about social security except: [a] the earliest age at which a retiree can elect to receive retirement benefits is 62[b] to receive full benefits requires the retiree to claim benefits at the normal retirement age of 65, 66 or 67 depending on the birthdate of the retiree[c] a cost of living adjustment (cola) will be added to the monthly benefit starting at age 63[d] working beyond the full retirement age will decrease the monthly benefits

[D] Working beyond the full retirement age will decrease the monthly benefits

Explanation:

In reality, You get 100 % of your monthly bonus if you start receiving benefits at age 66.

When you delay collecting retirement benefits until after your normal retirement age, you can continue to increase your monthly bonus.

Your income is impaired by delayed retirement. The change is centered on your birth date as well as the number of months you delay the start of your pension benefits.

When you start receiving retirement benefits at age:

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