A: The earliest that you can start receiving your pension benefit is upon reaching age 55 with at least 5 years of Credited Service. Your benefit will be reduced based on your age and years of Credited Service. In order to receive a Regular Unreduced Retirement Pension you must have met one of the following requirements:

• Age 65 with 5 years of Credited Vested Service
• Age 60 with at least 25 years of Credited Service
• Age 55 with at least 30 years of Credited Service

A: 1. You must have at least 250 hours during the Plan Year to receive 1 Vested Service Credit ending after December 31, 2021.
2. As of January 1, 2022, you must have at least 1000 hours during the Plan Year to receive 1 Vested Service Credit.

A: As of January 1, 1985, you will have a permanent break in service if your number of consecutive one-year breaks in service equal or exceed the greater of five years or your number of years of Vesting Service or years of Credited Service, whichever is greater, unless you have obtained a vested right to a pension.

A: The payment options that are available to you are as follows:

• 50% Joint and Survivor Benefit: You receive a reduced payment for your lifetime and upon your death, your spouse will receive 50% of the benefit for the remainder of his/her lifetime.
• 75% Joint and Survivor Benefit: You receive a reduced payment for your lifetime and upon your death, your spouse will receive 75% of the benefit for the remainder of his/her lifetime.
• 5 Year Period Certain Benefit: This provides a lifetime benefit for the participant. If the Participant’s death occurs before the end of a period of five years, the balance of the annuity payments for the certain period shall be paid to his named Beneficiary.
• 10 Year Period Certain Benefit: This provides a lifetime benefit for the participant. If the Participant’s death occurs before the end of a period of ten years, the balance of the annuity payments for the certain period shall be paid to his named Beneficiary.

A: As long as you are no longer working in Disqualifying Employment, you can work and receive your pension benefit. If you work in Disqualifying Employment, you need to contact the Administrative Office regarding the suspension rules.

A: Disqualifying Employment is employment or self-employment that is in an industry covered by the Plan; and in the geographical area covered by the Plan, that is the accumulated jurisdiction of all the Unions participating in the Plan; and in any trade or craft that is currently covered by the Plan.

A: Your pension payments will be last payable for the month in which your death occurs, except as provided in accordance with any survivor benefit payable under the Plan.

A: Make sure you entered your account name and password correctly (case sensitive).

A: You will first need to log in using your authentication code, similar to a pin#.

After logging in, create a new username and password to personalize your account. You can then log in with your new account.