Benesys (Fund Office) is the Fund Administrator, your Employer submits your contributions for the Employer only contributions and your Elective Deferral Contributions (401(k)). You should contact Benesys when you need to update your personal information (Name, Date of Birth, Address, etc...) and to verify your hours are being received and reported accurately.

Empower manages your Individual Account and Individual 401(k) Account. You should contact Empower to make changes to your account (Investment elections, Elective Deferrals) and for distributions applications (Hardship, Loans, Separation from service). 

Contact Empower in one of the following manners;
Phone - 1-877-778-2100 (877-PRU-2100)
Mail - P.O. Box 5410, Scranton, PA 18505-5410
Online - www.prudential.com/8thdist

Your Account with the Eighth District Electrical Pension Fund Annuity Plan may consist of an Individual Account which consists of Employer only Contributions, and an Individual 401(K) Account which is Employee contributions in the form of a wage deferral (salary reduction). This will depend on the Collective Bargaining Agreement you are working under and if you voluntarily elect to participate in the 401(K) feature of the Plan.

Participation in the Individual Account which consists of Employer only Contributions starts when you begin work for an Employer who is required to make hourly contributions into the Fund on your behalf as stipulated in a collective bargaining agreement.
Participation in the Individual 401(K) Account begins by completing an elective deferral authorization form provided by the Fund Office. Please note, wage deferrals will begin the first pay period which is at least 15 days after your Employer and Fund Office receive your authorization form.

"Plan Year" means the twelve (12) month period from January 1 of any calendar year through December 31 of the same calendar year.

You do not need to do anything to enroll in the Employer only contributions, however you will need to complete an elective deferral authorization form to enroll in the Individual 401(K) Account.

Your right to the value of the assets in your Individual Account and Individual 401 (K) Account is nonforfeitable (100% Vested) from the time that such Individual Account and Individual 401 (K) Account are established.

Eligibility consists of the following reasons;
Attainment of Normal Retirement Age (65)
Attain age 55 and separate from Covered Employment (Early Retirement)
Six (6) months without working in Covered Employment
If you become Total and Permanently Disabled (Social Security Award)
If you become disabled due to the inability to perform the duties required by any classification of employee working under an IBEW-NECA collective bargaining agreement (Certified by a Physican)
If you suffer a Financial Hardship
Attainment of your Required Beginning Date (April 1st following your attainment of age 70 1/2)
If you Die

You must request and complete an Application prior to payment of any benefit.

Yes this Plan does have a Loan Program. For the rules and restrictions, contact the Fund Office or Empower.

Yes this Plan does have Hardship provision which allows you to take an in-service distribution not to exceed the immediate and heavy financial need. For the rules and restrictions, contact the Fund Office or Prudential.

The Plan has designated the age-appropriate Retirement Goal Funds as the Qualified Default Investment Alternative (QDIA), otherwise you may choose between different Investment Funds Available to you under this Plan.

Your account becomes payable to your Surviving Spouse in the Form of a Single Life Annuity, or the Surviving Spouse may waive this form of benefit for a Lump Sum Distribution of your Accumulated Share. A beneficiary, other than a spouse will received Lump Sum Distribution of your benefit.

You must complete a Beneficiary Form to designate a Primary and Secondary (Contingent) beneficiaries. Spousal Consent is required to designate anyone other than a qualified spouse.

If you get a divorce you should contact the Fund Office to provide a copy of all divorce decree documents, and to request a model Domestic Relations Order if applicable. You should also request a Beneficiary Change form.

Contact the Fund Office at 1-844-989-2321 and request a copy of the Eighth District Electrical Pension Fund Annuity Plan's Summary Plan Description Booklet, along with its Plan Amendments. You may also find an electronic version of this document under the Document section of this employee website.