All of the following statements concerning the Social Security system are correct EXCEPT:

Group of answer choices

The Social Security retirement benefit is payable at normal retirement age with reduced benefits available as early as age 59, to anyone who has obtained at least a minimum amount of Social Security benefits.

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.

The family benefit is provided to certain family members of workers eligible for retirement or disability benefits.

To qualify for retirement benefits, a worker must be "fully insured,' which means that a worker has earned a certain number of quarters of coverage under the Social Security system.