Which of the following is true about retirement patterns in the United States? Question 4 options: Older Americans collecting Social Security benefits are penalized (i.e. have their SS benefits reduced) if they continue to work. The highest levels of stress in the entire life course are experienced when a married couple retires at the same time due to the adjustments in lifestyle that are required. Men are usually able to retire earlier and with more financial stability than women. Many older people opt to retire early because Social Security benefits are the same at the age of 62 as they are at the age of 67, so there is no financial incentive to work longer