The contributions that a worker makes to Social Security through his or her taxes O accumulate in a personal account that the worker can access at any time he or she is unemployed. O accumulate in a personal account that the worker can access once he or she reaches the age of 66. are paid into the Social Security system and do not accumulate in a personal account. O are paid back to the employer to help subsidize the costs of worker pensions. The formula by which Social Security retirement benefits are calculated is designed to O redistribute income from well-off to less-well-off workers. O redistribute income from the elderly to the young. redistribute income from less-well-off workers to well-off workers. O provide every worker with an equal amount of income. The value of the minimum wage declines if it is not raised periodically because O the minimum wage is not indexed to inflation. O federal income taxes inevitably become more regressive over time. O the minimum wage is indexed to inflation. O federal income taxes inevitably become more progressive over time