The National Academy of Social Insurance (NASI) data indicated that 70% of unmarried retirees and 50% of married retirees receive more than half their retirement income from Social Security. What can we reasonably conclude from this data?

a. the SS retirement program is working exactly as intended

b. many retirees did not work enough years for their retirement benefits to be adequate

c. the Social Security retirement benefits formula strongly favors married couples

d. reliance on Social Security benefits is greater than the law originally intended