| Q. |
| A. | You are immediately, 100% vested in your account with the first contribution made on your behalf by your employer to the Pension Trust Fund. There is no length of service required for vesting.
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| Q. |
| A. | Membership is automatic with the first pension contribution made on your behalf by your employer.
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| Q. |
| A. | The fiscal records for the Plan are kept on a 12-month period from June 1 ending on May 31.
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| Q. |
| A. | Membership is automatic with the first pension contribution made on your behalf by your employer.
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| Q. |
| A. | You are immediately, 100% vested in your account with the first contribution made on your behalf by your employer to the Pension Trust. There is no length of service required for vesting
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| Q. |
| A. | Retirement - attainment of age 55 years or older; Disability - as determined by Social Security Administration (Award letter required) or Termination (last day worked in the trade within the jurisdiction of the Union - 12 months after age 45 and 24 months prior to age 45).
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| Q. |
| A. | There are no provisions in the Plan for loans.
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| Q. |
| A. | The funds are invested in various investments by the Investment Manager.
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| Q. |
| A. | In the event of your death, the Plan provides for the distribution of your vested interest. If you are married, one-half of your account balance will be payable to your surviving spouse and the balance will be paid to your designated beneficiary. However, if you fail to designate a beneficiary, your entire account balance will be payable to your surviving spouse.
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| Q. |
| A. | Designation of Beneficiary forms are available from the Administrative office.
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| Q. |
| A. | If you and your spouse become divorced, please contact the Administrative office as we will require a copy of the Divorce documents, Settlement Agreement, and/or Qualified Domestic Relations Order.
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| Q. |
| A. | You may send a letter to the Administrative office requesting an application or contact the Administrative office via phone.
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