Which of the following is not true about Social Security? Question 2 options: the retirement benefit equals the average monthly income of workers during their last ten years of employment. employers withhold Social Security taxes from employee paychecks and submit the funds to the IRS most people must work for at least 10 years to receive full credit, which accrues at the rate of about four credits per year, depending on a person's earnings. self-employed workers must pay the full Social Security tax themselves each year