Which of the following is not true about Social Security?

• The retirement benefit equals the average monthly income of worker during their last ten years of employment
• Employers withhold Social Security taxes from employee paychecks and submit the funds to the IRS
• Self-employed workers must pay the full Social Security tax themselves each year
• Most people have to 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

State the reason also

Thank You