* Participant attains age 55, is receiving a retirement benefit from an Iron Workers pension fund and no Contributions have been made for two (2) consecutive months or *Participant has not worked at least five hundred (500) hours in each of two (2) consecutive calendar years or * Participant has received no Contributions to his Individual Account for a period of six (6) consecutive months or * Participant becomes entitled to SSA Disability  benefits or * Termination of Contributions to the Participant's Individual Account for at least thirty (30) days due to terminal illness or  * April first (1st) following the calendar year the Participant  reaches age 70.5  or * the Participant has attained Normal Retirement Age and terminated employment with his Individual Employer.

Each Employee shall participate in the Plan on the day they begin work for an Individual Employer or otherwise provided under the terms of applicable Witten Agreement.

The Plan Year is January 1 through December 31.

Each Employee shall participate in the Plan on the day they begin work for an Individual Employer or otherwise provided under the terms of applicable Witten Agreement.

A Participant who has received Contributions to their Individual Account in the Fund for at least sixty (60) months and is not eligible for any other distribution under the Plan shall be eligible for the Special $15,000.00 Distribution. The maximum amount available to a Participant for the Special $15,000.00 Distribution shall be the lesser of $15,000.00 or fifty (50%) of the value of the Participant's vested interest.

Participant or Beneficiary in the event of Participant's death, may direct investment of their Individual Account by selecting from a range of investment alternatives made available by the Plan.

If you are married (for at least one (1) year prior to death), benefits are payable to your Surviving Legal Spouse or Designated Beneficiary

Complete a Beneficiary form located on the website and mail or fax to the Fund office for processing.

If you are getting a divorce, your former spouse may be entitled to receive a portion of your Individual Account.  The Plan must comply with any Order (Qualified Domestic Relations Order) issued by the Court.  If you or your attorney have any questions or would like assistance prior to the QDRO being finalized, please contact the Trust Fund office.

Complete an Individual Account application located on the website and mail or fax to the Fund office for processing.