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 5/9 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 3% to 8%