Which of the following statements about obtaining Social Security benefits isnotcorrect?

a. For full retirement benefits, workers today must be employed in a job covered by Social Security at least 40 consecutive quarters.

b. Once the 40-quarter requirement is met, the worker becomes fully insured and remains eligible for retirement payments even if he or she never works again in covered employment.

c. The surviving spouse and dependent children of a deceased worker are also eligible for monthly benefits if the worker was fully insured at the time of death.

d. To receive benefits, you must file an application with the Social Security Administration.