Social Security is a sizable program that impacts many families in the United States. Which of the following statements is not correct regarding Social security?

a. Social Security was never intended to provide a substantial wage replacement ratio for most Americans. b. Social Security skews benefits towards lower wage earners and away from higher wage earners. c. Social Security provides 90% or more of the income for more than 20% of retired married couples. d. All of the above statements are true