Plan Documents/Notices

Summary Plan Description (SPD)

The SPD summarizes the key provisions of the Plan and includes important information about your benefits from the Plan.

Annual Funding Notice

The Annual Funding Notice provides basic financial information regarding the Plan and informs you of the funding of the pension plan.

1- How do I apply for my pension?

Complete a Distribution Application. You should notify the Fund Office approximately six months in advance of the date you plan to retire. Please complete the forms and mail along with any noted documentation to the Fund Office.

2- How do I sign up for Direct Deposit for my pension payments?

Complete a Direct Deposit Form and return it to the Fund Office.

3- How do I change my pension payment tax withholdings?

To change the amount of the taxes withheld from your pension payment, complete a Tax Withholding Form and return it to the Fund Office.

4- How do I designate a beneficiary?

Complete a Beneficiary Designation Form and mail to the Fund Office.

5- What happens to my pension if I pass away prior to receiving benefits from the Plan?

Your surviving spouse or beneficiary may be entitled to a Death Benefit if you pass away prior to receiving benefits from the Plan. The form, amount and commencement date of the benefit payments depend upon various factors, including the date of your death.

6- What happens to my pension if I get divorced?

If you divorce (whether before or after retirement), your spouse may be entitled to receive a portion or all of your pension benefit in accordance with the terms of a Qualified Domestic Relations Order (QDRO). Under the terms of a QDRO, certain payments could be made from your benefits to pay alimony, child support, or marital property rights to your former spouse, child, or other dependent. If you divorce, you must contact the Fund Office to ensure your benefits are paid properly. You may also want to submit an updated Beneficiary Designation Form.

A QDRO may affect the amount of pension benefit you will receive or are receiving. A copy of the Fund’s procedures for handling QDROs will be provided to you free of charge, upon request. If you have questions about QDROs, please contact the Fund Office.

Life Events

Birth or Adoption

Life Event

You may designate anyone as a beneficiary for death benefits payable for the loss of your life by submitting a Beneficiary Designation Form to the Fund Office.
Marriage

Life Event

Before Retirement: If you are married, your qualified spouse becomes your beneficiary for any Plan benefits you have earned. In order for your spouse to be eligible for benefits, you must be legally married to one another under applicable state law or the laws of a foreign jurisdiction. In addition, one year of marriage is required in some cases. A spouse is also someone who is required to be treated as a spouse or surviving spouse under a Qualified Domestic Relations Order (QDRO).

If you die before your pension benefit begins, your spouse may be eligible to receive a pre-retirement surviving spouse pension or a pre-retirement death benefit.

After Retirement: Your pension benefit is not affected when you marry after you have begun to receive a pension benefit. It is not affected because once you begin to receive a pension benefit, you cannot change the form of payment you are receiving. Your new spouse will not qualify for a survivor benefit regardless of the form of payment you are receiving. However, you may wish to submit an updated Beneficiary Designation Form in the instance there may be non-survivor death benefits payable upon your death.
Disability

Life Event

To apply for a disability pension, you will need to complete a Distribution Application. Please complete the forms and mail along with any noted documentation to the Fund Office.
Moving

Life Event

If you have recently moved, please complete a Change of Address Form.
Loss of Employment

Life Event

If your employment is interrupted before you are vested, you may lose your accumulated vesting service and pension credits. However, once you are vested, you will not lose your accumulated vesting service or pension credits. Certain interruptions may not result in a break in service. Some breaks in service do not result in a loss of vesting service and pension credits, but do impact how your benefits are calculated.
Divorce

Life Event

If you divorce (whether before or after retirement), your spouse may be entitled to receive a portion or all of your pension benefit in accordance with the terms of a Qualified Domestic Relations Order (QDRO). Under the terms of a QDRO, certain payments could be made from your benefits to pay alimony, child support, or marital property rights to your former spouse, child, or other dependent. If you divorce, you must contact the Fund Office to ensure your benefits are paid properly. You may also want to submit an updated Beneficiary Designation Form.

A QDRO may affect the amount of pension benefit you will receive or are receiving. A copy of the Fund’s procedures for handling QDROs will be provided to you free of charge, upon request. If you have questions about QDROs, please contact the Fund Office.
Retirement

Life Event

If you meet certain criteria defined in the Pension Summary Plan Description, you may be eligible to receive a pension.
Death

Life Event
If you die before your pension payments begin, one of the following benefits may be available to your spouse or beneficiary:
- Pre-retirement surviving spouse pension; or
- Single life annuity, your surviving spouse or beneficiary(ies) will receive the balance of contributions made to the Plan on your behalf.
- 50%, 75%, or 100% spousal pension, your spouse will receive 50%, 75%, or 100% of the amount you were receiving for the rest of their lifetime.
- Ten year certain and life pension, and you had not received 120 monthly payments before your death, your surviving spouse, child(ren), or estate (in that order) will receive the remainder of the 120 monthly payments. If at least 120 monthly payments were made before your death, no further benefits are payable.
If you die after your pension payments begin and you:
- received your pension in a lump sum payment, no further benefits are payable; or
- you were receiving your pension in the form of a:
  - Single life annuity and you had not received 60 monthly payments before your death, your surviving spouse or dependent children will receive the remainder of the 60 monthly payments. If at least 60 monthly payments were made before your death, no further benefits are payable. If there is no spouse or dependent child, no further benefits are payable after your death.
  - 50% (or 75%) spousal pension, your spouse will receive 50% (or 75%) of the amount you were receiving for the rest of his or her lifetime.
Please contact the Fund Office for more information.