As discussed in the article "Here's What Retirement Looks Like in America in Six Charts," which of the following statements is true? Group of answer choices Retired individuals don't spend any money on healthcare because government programs cover 100% of all costs. Retired individuals can contribute to defined benefit plans. Only 20% of Americans age 65 and over receive Social Security retirement benefits. For Social Security retirement benefits, the benefit is calculated using a worker's 35 highest years of earnings