Many workers considering Social Security benefits are faced with the decision to retire early, on time, or late. Which of the following is incorrect regarding this decision? a$.$ Workers can take early retirement Social Security benefits as early as age $62.$ b$.$ If a worker begins Social Security benefits prior to full retirement age, the reduction in benefits is temporary or permanent, depending on the file and suspend option selected. c$.$ For each month of early retirement, workers will receive a reduction in their monthly retirement benefit of $\backslash (5/9\backslash )$ of one percent for up to the first $36$ months. d$.$ Workers who take late retirement may have an annual increase for each year of late retirement between $\backslash (3\backslash \%\backslash )$ to $\backslash (8\backslash \%\backslash ).$