In this case, the Peblo is not correct. If your husband is found "unfit", and placed on TDRL (Temp Retired), then he will be paid 50 percent of his Base Pay. If you have VA ratings, you have to choose to "waive" the DoD retirement by whatever the VA gives you, but that is good, because the VA is tax free, and so when you get that 50 percent TDRL taxable, minus the VA (no tax), the end result is better overall.
If your husband is found Unfit, and receives a Permanent DoD Medical Retirement (the PDRL), he gets immediate retirement, based on his High-3, from DoD. He does not wait until 60, as a traditional M-Day Reservist or Guardsman. Then, as with the TDRL, you elect to "waive" DoD from VA and the DoD Retirement is offset by the tax-free VA pay. But remember, that is good, because you are taking taxable pay and replacing it with tax-free pay.
Hope this helps. I should know, since I had to educate myself, while going thru the same thing as a 39 yr Tradidional Reservist (12 AD, 27 Reserve). I ended up with inmediate Military Retirement (I was 56), no waiting for age 60.
Wishing you and your husband the best. Stay strong!