Benefits are payable at Normal Retirement age 65 and retired, Early Retirement age 55 and retired, Total and Permanent Disability with a Social Security Award, Death or Termination of Employment, have not performed work within the jurisdiction of the Union for 180 days.

You become a Participant when your Employer is required to make a contribution on your behalf.

The Plan Year is a 12-month period beginning June 1 and ending the following May 31st.

You are enrolled in the Plan when contributions are made on your behalf per he Collective Bargaining Agreement between the Employer and the Union.

You are 100% vested when the Plan receives the first contributions on your behalf.

Benefits are payable at Normal Retirement age 65 and retired, Early Retirement age 55 and retired, Total and Permanent Disability with a Social Security Award, Death or Termination of Employment, have not performed work within the jurisdiction of the Union for 180 days.

No - There is no loan provision.

The funds are invested in a Trust. The Trustees try to obtain the highest investment yields available, consistent with safe financial management.

The Benefit will be paid to the Beneficiary. If one is not designated, payment is made to your Surviving Spouse or Estate.

Beneficiary form must be on file with the fund office.

Provide a copy of the final divorce decree and Settlement Agreement. If benefits are to be paid to a former spouse, a Qualified Domestic Relations Order will be required to segregate the assets. Please contact the Fund Office.

Contact the Fund office for an application.