Dear Rusty: I am originally from Switzerland. I moved to the States, got married in 2012, and became a US Citizen in 2016. I never worked in the United States but have 44 years of Social Security contribution in Switzerland and have received a pension from there since I turned 62 (I’m now 64). Is it correct that I cannot apply for Social Security here in the States on my husband’s account unless he is collecting his Social Security benefit? He will turn 62 this year but is still working and does not want to collect before 70. Signed: Immigrant from Switzerland

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