34. Social Security pension benefits are

(a) subject to income taxes for those with certain income levels.

(b) non-taxable for all retirees.

(c) subject to state, but not federal, income taxes.

(d) subject to capital gains taxes.

(e) all of the above.

35. Retirement benefit payments under Social Security:

a. May be adjusted to reflect price and/or wage changes

b. Are changed from time to time by statue

c. Depend upon the insureds average annual earnings covered by Social Security over a period of years

d. Favor low-income workers

e. All of the above