Wednesday, January 21, 2026

Frequently Asked Questions


Pension

Q. Can my pension be paid out in one lump sum?
A. No, this is a Defined Benefit Pension Plan which provides you, the participant, a monthly benefit payable for your lifetime.
Q. I am currently receiving a monthly pension benefit from the Plan, what happens if I do not receive my check?
A. Although, the Fund Office makes every effort to ensure that your monthly benefit arrives on time, sometimes it is possible that the delivery of your check is delayed beyond reasons out of our control.  There is a possibility that your check gets lost in the mail processing.  If for any reason, you do not receive your check by the 10th day of the month, you must contact the Fund Office so that a replacement check can be mail to you.
Q. I would like to know what my monthly benefit would be if I choose to retire.  How do I obtain this information?
A. You can contact the Pension Department by calling (248) 641-4919 and request that an estimate be mailed to you.  If you are married, you will be required to submit your spouse’s information so that an estimate could be provided with all the Joint & Survivor options available to you.  Additionally, if you have been divorced previously, you must submit a copy of your final divorce decree to the Pension Department.
Q. How far in advance should I request an application for retirement?
A. You can request an application for retirement any time during the 180 days prior to your expected retirement date, but in no event not later than 90 days prior to the month in which you want to retire with this Plan. 
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