I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
While your wife's disability status with social security will not change when she turns 62 and begins to receive a railroad pension, the pension from the railroad will reduce or eliminate the disability benefit she will receive from social security. Let me explain.
The Government Pension Offset laws of social security will result in your wife losing 2/3 of the amount that the railroad pays her as a pension from her disability benefit.
So if she is receiving SSDI of $1000 per month and her railroad pension is $1200 per month, social security will reduce her SSDI by 2/3 of the railroad pension---or by $800 per month, leaving her with SSDI of $200 per month and her railroad pension.
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