All of the following statements concerning the Social Security system are correct EXCEPT: a. The Social Security retirement benefit is payable at normal retirement age with reduced benefits available as early as age 59 12, to anyone who has obtained at least a minimum amount of Social Security benefits. b. Disability benefit recipients must have a severe physical or mental impairment that is expected to either prevent them from performing substantial work for at least a year or result in death. C. The family benefit is provided to certain family members of workers eligible for retirement or disability benefits. d. Survivors benefits apply to those family members listed for family benefits and may also include the worker's parents if the worker was their primary means of support