Cathy's Social Security spousal benefit allows her to select which of the following options?

Cathy's Social Security spousal benefit allows her to select either the spousal benefit or her own worker's benefit because the Social Security system is designed to provide flexibility in how individuals can claim their benefits.

When evaluating options for benefits, individuals who are eligible can choose to receive the spousal benefit, which is based on their spouse’s earning history, or they can opt for their own worker's benefit, which they have earned through their own work history. This choice allows individuals to maximize their total benefit, depending on which amount is higher at the time of claiming.

In Cathy's case, even if her husband is not yet retired, this does not entirely rule out her ability to access spousal benefits, as she may still be eligible under certain conditions if he has begun receiving benefits. Therefore, the option that provides her the most leverage—choosing between either benefit—accurately reflects the flexibility provided within the Social Security framework.