Kyle is an insurance agent and he meets with his client Farbod. Farbod, age 59, is planning to retire next year when he turns 60. Farbod wants to know which government retirement benefits he will be eligible for when he retires. When Farbod asks Kyle about Old Age Security (OAS), which of the following answers is CORRECT?

a)When Farbod becomes eligible for OAS, he will receive the benefits tax-free.

b)Farbod cannot receive OAS payments if he leaves Canada.

c)If Farbod decides to delay retirement, he can receive OAS payments while he is still working.

d)Farbod can begin receiving OAS payments as early as age 60.