Participation is the first day for which pension contributions are received on your behalf.

Until a judgment of divorce is received at the Fund Office, your pension is not affected. A full copy of the divorce Is required. If the divorce mentions a separation or settlement agreement or QDRO, a full copy of that document is also needed. 

No, the pension does not affect your social security benefit (including Disability SS Award). 

Pensions can be assigned to others via a QDRO, Order from the Child Support Unit or the IRS.

If an application is denied, a denial letter is mailed, explaining the reason for the denial and the right to appeal and how to appeal.

Applications should be requested 30 days prior to the retirement effective date, but not more than 180 days prior.

Documents needed are: proof of age (birth certificate or state issued driver's license or photo ID). If married: proof of age for spouse and marriage certificate. If member is divorced, a full copy of the divorce and any agreements mentioned, QDRO. If there are multiple divorces copies of each are needed for any period while you were a participant of the Fund.  If you were married and your spouse is deceased, a copy of the death certificate is needed. 

You may download a W4-P from  the IRS website, complete and provide a copy to the Fund Office or you may request a W4-P from the Fund Office 

You may submit a form from your bank which includes the bank name, routing number, account number, and type of account. The form must bear your name and signature. Instead, you may request a form from the Fund Office.

You must allow 10 business days for delivery from the date the checks were mailed before a stop payment can be requested and a replacement check issued.

You may send a written notification of the COA or request a COA form from the Fund Office.  It must be in writing and bear your signature. 

Please contact the Fund office.

Your legal spouse can be your designated beneficiary. One must be married at the time of retirement and married at least one year at the time of your death.

The pension converts to a life annuity pension and the gross benefit amount remains the same. This Plan does not have a "pop up" provision. 

If your participation date is on or after 1/1/1999 You must accrue 10 Vesting credits; you earn 1 vesting credit for each 500 hours of contributions with a maximum of 2 vesting credits earned each year.  If your participation date is prior to 1/1/1999 you must accrue 20 vesting credits.

Participation on or after 1/1/99: you are entitled to a benefit at age 65 only if you have earned less than 120 benefit credits. One benefit credit is earned for each 125 hours of contributions, with a maximum of 12 per year. If you have earned at least 120 benefit credits you are entitled to a benefit between the ages of 55 and 62, unless you work for an employer that has agreed to pay additional contributions for an age prior to age 55 (UPS @ age 50). 

****CHECK THE EMPLOYER**** Some employers have agreed to pay additional contributions so their employees can take their benefit without reduction. CONFIRM THE EMPLOYER THE MEMBER WORKS FOR. Currently the employers are UPS (special guidelines) , DHL & Sysco. ***check for more.  If the employer is not one of the listed employers there is a .50% reduction for each month between the ages of 55 & 62.