The term "Plan Year" shall mean the period of twelve consecutive months commencing on each January 1. Example: The 2019 Pension Plan Year Starts on January 1, 2019 and ends on December 31, 2019

An Employee becomes a Participant in this Plan on the later of:

(a) his Employer's Contribution Date; or

(b) the date his Covered Employment commences.

Notwithstanding the foregoing, an Employee will become a Participant no later than:

(a) If the Employee accumulates 1,000 Hours of Vesting Service during his Initial Eligibility Computation Period, the earlier of:

(1) the first day of the first Plan Year; or

(2) the first day of the sixth month following the last day of the Initial Eligibility Period; or

(b) If the Employee does not accumulate 1,000 hours of Vesting Service during his Initial Eligibility Computation Period, the earlier of:

(1) the first day of the first Plan Year; or

(2) the first day of the sixth month following the last day of any Subsequent Eligibility Computation Period during which the Employee accumulates 1,000 Hours of Vesting Service.

"Initial Eligibility Computation Period" shall mean the twelve (12) consecutive month period beginning on the date the Employee first performs an Hour of Vesting Service for an Employer. "Subsequent Eligibility Computation Period" shall mean the Plan Year beginning with the Plan Year which includes the first anniversary of the date the Employee first performs an Hour of Vesting Service.

Examples:

Jones becomes an Employee on August 1, 2014. As of August 1, 2015, Jones accumulates 1,000 Hours of Vesting Service. Jones will become a Participant on January 1, 2016, which is the first day of the first Plan Year following August 1, 2015.

Smith becomes an Employee on February 1, 2014. As of February 1, 2015, Smith accumulates 1,000 Hours of Vesting Service. Smith will become a Participant on August 1, 2015, which is the first day of the sixth month following February 1, 2015.

Roberts becomes an Employee on June 1, 2014. As of June 1, 2015, Roberts did not accumulate 1,000 Hours of Vesting Service; however, in the Plan Year beginning January 1, 2015 and ending December 31, 2015, Roberts accumulates 1,000 Hours of Vesting Service. Roberts will become a Participant on January 1, 2016, which is the first day of the first Plan Year following December 31, 2015.

No, you must become 100% Vested (or fully vested). You need 5 years Vesting Credit or attain Normal Retirement Date. Before January 1, 1989 the Plan  required 10 years of Vesting Service to be fully vested.

The term "Normal Retirement Date" shall mean the later of the Participant's 65th birthdate or the 5th anniversary of the Date of Participation.

Please review the Summary Plan Booklet Pages 1-2 for the vesting schedules used by this Plan.

Please review the Summary Plan Description Booklet Pages 4-5 for the Credited Service schedules used by this Plan.

Benefits are payable in the following Circumstances:

Normal or Late Retirement Benefit are available on or after age 65 for fully vested participants. See page 6 - 8 of your Summary Plan Description Booklet for benefit calculations in the basic form.

Early Retirement Benefit are available as early as age 60 with 10 Years of Vesting Service. Early Retirement Benefit is calculated the same as Normal Retirement Benefit in the basic form reduced by 1/2 of 1% for each month prior to age 65

Vested Deferred Pension is available for separated participants that are fully vested, subject to same rules as Early, Normal, or Late Retirement.

Disability Benefit are available if you reached age 55, earned at least 10 Vesting Service Credits, and are found to be totally and permanently disabled while actively employed in Covered Employment. Disability Pension will start on the first day of the 7th month following the month in which you are found disabled. Calculation is the same as Normal Retirement Benefit, and only available in the basic form. Disability Benefit will stop when you are no longer Totally and Permanently Disabled, on Your Normal Retirement Date, or Your Death.

Please review the Summary Plan Description Booklet pages 6-8 for the Benefit Rate Schedules used by this Plan.

For a Single Participant the Basic Form of Benefit is a Three Years Certain and Life Annuity (36 payments are Guaranteed)

For a Married Participant the Basic Form of Benefit is a Modified Three Years Certain and Life/Joint and Survivor Annuity (36 payments in the Participant amount guaranteed, and then following death of participant spouse gets 50% of Participants amount).

Option Forms of Benefit available are:

Life Only Option (pays higher then Basic form but no Guaranteed payments so stops after participants death)

Modified Three Years Certain and Life/ 75% Joint and Survivor Annuity (36 payments in the Participant amount guaranteed, and then following death of participant spouse gets 75% of Participants amount)

You should request an application for retirement no less than 30 days and no more than 180 days from the date you wish to commence your benefit. The Plan Administrator shall provide each participant, within the 30 to 180-day period prior to the commencement of benefits, a written explanation of (i) the terms and conditions of the Automatic Joint and Survivor Annuity; (ii) the Participant's right to make and the effect of an election to waive the Automatic Joint and Survivor Annuity for of benefit; (iii) a general description of the eligibility conditions and other material features of the optional forms of benefit and sufficient additional information to explain the relative values of the optional forms of benefit available; (iv) the rights of the Participant's Spouse; and (v) the right to make and effect of a revocation of a previous election to waive the Automatic Joint and Survivor Annuity. A Participant (with the consent of his Spouse) may waive the minimum 30 day notice period if benefits commence no more than 7 days after the written explanation is provided to the Participant.

Typically your retirement application will be processed within 90 days unless special circumstances require an extension. You may contact the Fund Office to check on the status of your application anytime.

You will be required to submit Two Proofs of Age and Identity to the Fund Office for yourself, and if married your spouse (Driver's License, State Identification, Pass Port, and or Birth Certificate), Social Security Cards, current Marriage License, and all Divorce Decrees, Property and Settlement Agreements, and Qualified Domestic Relation Orders.

The procedure for filing benefit claims and the procedure for appealing Trustee decisions with regard to benefit claims and other matters under this Plan are stated in the Summary Plan Description booklet starting on page 20. All claims and appeals arising under the Plan shall be subject to the provisions of the Summary Plan Description.

Yes, One-Year Breaks in Service occur when you have less than 435 Hours of Service Worked. Once you have 5 consecutive One-Year Breaks in Service you lose/forfeit any previous earned Vesting Service and Credited Benefit Service. Please see the Summary Plan Description (SPD) Booklet pages 3-4 and 16-18 for special rules that are related to loss of benefit. Please note Section 1.08 (c) in the SPD date of January 1, 1999 should be corrected to January 1, 1989.

You will need to contact the Fund Office to request Federal W-4 P forms and applicable State Forms necessary for tax adjustments.

You will need to contact the Fund Office to request a Direct Deposit Agreement Form

You need to contact the Fund Office to report your check loss, however please allow for up to 10 business days from the first of the month or check mailing date for your check to arrive. A Re-issue check cannot be made prior to the Fund Office verifying the Check wasn't cashed, and that it's payment has been stopped.

You will need to contact the Fund Office and request an Address verification form, or You may notify the Fund Office in writing with a dated signature of address changes.

You should contact the Fund Office to request any records that you may need for the divorce proceedings. You should provide a Certified Copy of the Divorce Decree as soon as possible, and request the forms necessary to update contact information, and/or beneficiary information.

If you get a divorce (whether before or after retirement), your spouse may be entitled to receive a portion of your pension benefit in accordance with the terms of a Qualified Domestic Relations Order (QDRO). A QDRO may affect the amount of pension benefit you will receive or are receiving. A copy of QDRO procedures will be provided to you, free of charge, at your request by contacting the Fund Office.

No, Pension payments, annuities, and the interest or dividends from your savings and investments are not earnings for Social Security purposes. Only earned income, your wages, or net income from self-employment, is covered by Social Security. You may have to pay income tax on pensions, annuities, interest, or dividends, but you do not pay Social Security Taxes. Those types of income are not on your Social Security record.

The Plan includes both pre-retirement and post-retirement benefits for your beneficiaries. Please review the Summary Plan Description Booklet pages 11-15 to see all the circumstances for which a benefit is payable.

No benefit or interest available hereunder will be subject to assignment or alienation, either voluntarily or involuntarily. The preceding sentence shall also apply to the creation, assignment, or recognition of a right to any benefit payable with respect to a Participant pursuant to a domestic relation order (divorce, alimony payments, or child support), unless such order is determined to be a Qualified Domestic Relations Order (QDRO), as defined in Section 414(p) of the Code, or any domestic relation order entered before January 1, 1985. Federal tax liens are an exception to ERISA's anti-alienation rules, they can attach to ERISA pension plans.