Mary is single and is considering delaying receipt of her Social Security benefits until sometime after age $62.$ Which one of the following provides the best justification for this decision?

A$)$

Mary is still employed full time and is considered a high wage earner.

B$)$

By delaying until full retirement age Mary can avoid being subject to income tax on her Social Security benefits once she does start to receive them.

C$)$

Mary is in poor health.

D$)$

Mary has inadequate resources to cover the "bridge period."