What disadvantage would be experienced by a person applying for their Social Security benefits at age 62?
a. They would be ineligible to receive benefits after they turn 85 years old
b. They would receive only a partial benefit for as long as they collect Social Security
c. They have to complete 120 hours of community service each year until they reach 65 years old
d. They are given full benefits, but can only spend them on food and housing costs
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