OK, first thing reach out to Social Security. Or even better, go to www.MaximizeMySocialSecurity.com and fill in the blanks It is safe and secure and will get you the correct answer to what you should be receiving (since there may be an offset with your husband’s pension). It costs $39 –but it is the best way to get the correct answer.
And you should also reach out to the railroad pension board and see what they say. Maybe do that first, so you can input that information on the calculator referenced above.