Cathy is eligible for spousal benefits from Social Security because which factor applies?

Cathy is eligible for spousal benefits from Social Security specifically because her husband is receiving retirement benefits. The eligibility for spousal benefits is tied directly to the primary worker's receipt of Social Security retirement or disability benefits. When their spouse is receiving these benefits, the other spouse can claim spousal benefits based on the worker's earnings record, provided they meet certain conditions.

While factors like age can influence eligibility, simply reaching age 62 does not automatically grant spousal benefits; it is the situation of the primary earner that establishes the basis for this eligibility. Being unemployed or having dependent children also does not independently qualify one for spousal benefits under Social Security regulations; the key requirement is the status of the spouse in receiving retirement benefits.