18 Nguyen intends to retire on January 1st in three years at which time he will be 63 years and 7 months of age. If the commencement of his CPP retirement benefits coincide with his retirement, what percentage of his maximum benefit will he be entitled to receive relative to collecting his benefits at the standard age? 10.2% 89.8% b) c) d) 91.5% 92.8%