The first date that the Plan receives a contribution from you or your employer on your behalf, whichever comes first 401(k) – To Participate, Complete a tax deferred savings authorization form Contributions from 1 to 25%. You can change the deferral up to three times per year. A form needs to be completed to not participant. Catch up contributions are allowed. 

You may consult with the Social Security Administration to determine whether your pension benefit has an impact towards you receiving a Social Security benefit. 

Your pension can only be assigned to another individual via a Qualified Domestic Relations Order (QDRO).  For more information, please contact the Fund Office at (443) 573-3639 or Toll Free (855) 505-0462.    

A retiree or beneficiary may appeal any denial of benefits by submitting a written letter to the Board of Trustees at P.O. Box 99039 Troy, MI 48099. For more information, please contact the Fund Office at (443) 573-3639 or Toll Free (855) 505-0462.  

You must submit birth certificates for you and your spouse (if applicable) along with your marriage certificate and any divorce decrees with Property Settlement Agreements (if applicable). For more information, please contact the Fund Office at (443) 573-3639 or Toll Free (855) 505-0462. 

You must create an account with Empower at www.empower.com/participant. Once you are registered you can request withdrawal or hardship. Please contact Empower for more information at 1-855-756-4738. 

You may contact the Fund Office at (443) 573-3639 or Toll Free (855) 505-0462 to request a change of address form that must be completed and returned to our office.