| Q. |
| A. | Have contributions made by your employer on your behalf in accordance with the collective bargaining agreement. |
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| Q. |
| A. | As soon as contributions are made on your behalf. |
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| Q. |
| A. | November 1st through October 31st. |
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| Q. |
| A. | Answer Here |
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| Q. |
| A. | You become vested with the first contribution. |
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| Q. |
| A. | You can request a withdrawal when you have had less than 400 hours of contributions in a consecutive 20 month period or at retirement or disability. |
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| Q. |
| A. | No. |
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| Q. |
| A. | You will receive notification from the investment company Prudential after they receive the first contribution on your behalf. You have the option of selecting from a variety of investment options. If you do not make an election, the default investment is target based fund based on your date of birth. |
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| Q. |
| A. | The account balance is payable to your designated beneficiary. |
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| Q. |
| A. | Complete the beneficiary form as provided by the Fund Office. |
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| Q. |
| A. | If you get divorced and a portion of your account should be allocated to your spouse, you must submit a Qualified Domestic Relations Order (QDRO) to the Fund Office for review and approval. No assets will be designated to your spouse as an alternate payee without a QDRO. |
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| Q. |
| A. | Request an application by contacting the Fund Office. |
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