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Table of Contents
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Introduction
Introduction
Participation
Who is Eligible to Participate
When Participation Starts
When Participation Ends
Vesting
Earning Vesting Service
Breaks in Service
One-Year Break in Service
What Happens after a One-Year Break in Service
Permanent Break in Service
Earning Pension Benefits
Employer Contributions
Types of Plan Benefits
Regular Pension Benefit
Eligibility for a Regular Pension Benefit
How a Regular Pension Benefit is Calculated
Estimate Your Pension Benefit
How a Regular Pension Benefit is Paid
Cash-Out
Single Life Benefit
50% Joint and Survivor Benefit
75% Joint and Survivor Benefit
Benefit Payment Forms You May Choose
Changing Your Form of Benefit Payment or Joint Annuitant
If You Continue Working in Covered Employment After Normal Retirement Age
If You Stop Working and Postpone Your Pension Benefit Beyond Normal Retirement Age - Deferred Benefit Commencement
Disability Pension Benefit
Eligibility for a Disability Pension Benefit
Determining Total Disability
How a Disability Pension Benefit is Calculated
How a Disability Pension Benefit is Paid
When a Disability Pension Benefit Ends
Earning Additional Benefits as a Pensioner
Additional Pension Benefit Earned Before Normal Retirement Age:
Re-retirement Pension Benefit
Example of the Calculation of a Re-retirement Pension Benefit
How a Re-retirement Pension Benefit is Paid
Additional Pension Benefits Earned After Normal Retirement Age: Re-determination Benefits
How Re-determination Benefits are Paid
Retirement Account Benefit for pre-1968 Contributions
Eligibility for a Retirement Account Benefit
How a Retirement Account Benefit is Calculated
How a Retirement Account Benefit is Paid
Post-Retirement Death Benefits
When You Die
Pre-Retirement Death Benefits
Designating the Beneficiary of Your Pre-retirement Death Benefit
Eligibility for a Pre-retirement Death Benefit
How a Pre-retirement Death Benefit is Calculated
How a Pre-retirement Death Benefit is Paid
Timing of the Pre-retirement Death Benefit
Other Information
Applying for Your Pension Benefit - The Two-Part Pension Application
Early Retirement Procedures
Claims and Appeals - ERISA Rights
Authorized Representative
Covered Earnings Reports and Pension Credit Review Procedure
Pension Benefit Guaranty Corporation
How Benefits Can be Reduced, Delayed or Forfeited
Prohibited Assignment of Benefits
Transferring Benefits from the Fund to an IRA or Other Employer Plan
Qualified Domestic Relations Order (QDRO)
Compliance with Federal Law
Amendment and Termination of the Plan
Recovery of Overpayment
Your Disclosures to the Fund
Plan Administration
Interpretation of the Plan
Website Registration Procedure
Your Rights Under the Employee Retirement Income Security Act of 1974 (ERISA)
Receive Information about Your Plan and Benefits
Prudent Actions by Plan Fiduciaries
Enforce Your Rights
Assistance with Your Questions
Plan Facts
Plan Facts
Glossary
Glossary
Appendix A: Participation, Vesting and Breaks in Service
Participation and Vesting Service
To Be Vested Before 1986
Permanent Break in Service Rules before 2004
Appendix B: Special Feature of a Single Life Benefit that began before June 1, 2010
Appendix B: Special Feature of a Single Life Benefit that began before June 1, 2010
Contact Information
Contact Information
Summary Plan Description
Full Pension Plan Document
Agreement & Declaration of Trust
Rehabilitation Plan