Norman and Elaine are 62 and 60 years old, respectively. Norman has contributed to the Canada Pension Plan throughout his adult life; Elaine has contributed for 15 years. What statements are true? 1 If Norman opts to commence his CPP pension at age 63, his retirement pension will be reduced by 12%. 2 If Norman becomes disabled during retirement, he can receive a disability pension. 3 If Elaine dies prior to retirement, Norman can receive a survivor's benefit. 4 Norman and Elaine will receive equal benefits if they choose to assign their retirement pensions during retirement. 2 and 4 1, 2 and 3 1, 3 and 4 3 only