Juan is thinking of retiring this winter when he turns 64 years old. He has earned more than 40 work credits and has applied for Social Security retirement benefits. If Juan retires at 64, how will his ability to collect Social Security benefits be affected?

• A. He will be able to collect full Social Security retirement income when he retires.
• B. He will only be able to collect reduced Social Security retirement benefits until he reaches age 67 and then full retirement benefits for the rest of his life.
• C. He will be able to collect permanently reduced Social Security retirement benefits when he retires.
• D. He will not be eligible for Social Security retirement benefits because he will not retire at 67 years old.