To become a Participant in the Plan you must work for at least 12 months for an Employer who is required to contribute to the Plan on your behalf. This is called Covered Employment. Within this 12-month period, you must complete 1,000 Hours of Service in Covered Employment beginning on the date when contributions are first made (or due to be made) on your behalf. The date of your initial participation in the Plan will then be the earlier of the January 1 following this 12-month period.  

In the event of a divorce, you will need to provide the Fund Office with a copy of your Divorce Decree, which will determine whether or not there is a Qualified Domestic Relation Order (QDRO) in place, a Domestic Relations Order may allocate a portion of your assets in the Plan to your spouse, former spouse, child, or other dependent. Upon receipt of a QDRO, the Plan Administrator will determine the validity of any Domestic Relations Order received and will determine if any or all of your benefits may be used to satisfy any obligation. 

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 may apply for your pension benefits as early as 180 days prior to your requested effective date. 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. 

Please request a W-4P form from the Fund Office or download it from the internet and submit to 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. 

Please request a Direct Deposit form from the Fund Office and submit it to P.O. Box 99039 Troy, M 48099. For more information, please contact the Fund Office at (443) 573-3639 or Toll Free (855) 505-0462. 

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.