All address changes must be submitted in writing to the Trust Administrative Office. Complete the Address Verification Change Form located on this website for your convenience. Mail all address changes to P.O. Box 88970 Tukwila, WA 98188.

The Trust Administrative Office’s pension department needs to be notified when a member or their spouse (or non-spouse beneficiary) passes away. Please contact the pension department at (206) 694-1374. A copy of the death certificate must be submitted to the pension department.

The Plan requires you notify the Trust Administrative office when you divorce and that you update your beneficiary designation.  Also, a Qualified Domestic Relations Order (QDRO) must  be filed with the Court in which you obtain your divorce should an ex-spouse be entitled to pension benefits. Your attorney may obtain details and assistance prior to entering a QDRO with the Court  by writing to the pension department.

If you have any questions, please contact the pension department at (206) 694-1374.

You can have tax withholding changed at any time during the year by completing a new federal and state tax withholding form (W4-P) and mail it to the pension office. The federal and state tax withholding forms are located in the documents section of the Participant Website for your convenience.

A direct deposit form must be completed and returned to the pension department for your benefit to be direct deposited into your account. The form is in the Documents section of the Participant Website for your convenience.

You can request an estimate by calling the pension department at (206) 694-1374. An estimate will be mailed to you within 14 business days.

If you have been divorced, you must submit copies of the Final Judgment of Dissolution of Marriage, settlement agreement, or Qualified Domestic Relations Order prior to an estimate being mailed to you.

• Normal Retirement (Unreduced): age 65 with a vested benefit
• Unreduced Early Retirement: age 62 with 5 or more service credits
• Reduced Early Retirement: age 55 to 61 with 5 or more service credits
• Disability: age 55 with 5 or more service credits, permanently disabled for at least 6 months and earned one year of service in the 24-month period prior to applying

Lifetime Only Annuity: The normal form of benefit for an unmarried participant. You receive a monthly benefit amount as long as you live. Once you die, the benefit stops

If married, spousal consent is required to elect this form of benefit

10 Year Certain and Life Annuity: This monthly benefit is payable for a minimum of 10 years and continues for your lifetime. If you die before you have received 120 monthly payments (10 years), your beneficiary will receive the remaining payments until 120 monthly payments have been paid – then no additional benefits are available. The monthly amount you receive will be smaller than if you choose the Lifetime Only Annuity.

If married, spousal consent is required to elect this form of benefit

50% Joint & Survivor Annuity: This benefit has two parts. The first part is a monthly benefit for your lifetime. If your beneficiary dies after your retirement begins, but before you die, your future benefit payments will be changed to the Lifetime Only Annuity amount (adjusted for Early Retirement, if applicable). The second part is a monthly benefit paid to the beneficiary, if you die before your beneficiary, in an amount equal to 50% of the monthly benefit paid while the member (and beneficiary) was alive.

100% Joint & Survivor Annuity: The normal form of benefit for a married participant. This monthly benefit is payable for your and your beneficiary’s lifetimes. If your beneficiary dies after your retirement begins, but before you die, your future benefit payments will be changed to the Lifetime Only Annuity amount (adjusted for Early Retirement, if applicable).

If designating a non-spouse survivor, they cannot be more than 10 years younger that the member.

Benefits earned on or after January 1, 2018, in Washington State Plumbing and Pipefitting Industry Pension Plan are designed as Sustainable Income Plan benefits. Like traditional pension credits earned prior to 2018, credits earned under the SIP provide monthly benefits for the lifetime of the pensioner. On January 1^st of each year, the value of the underlying SIP benefit is adjusted based on the Plan’s annual investment return.  If the Plan’s investment return is greater than 4%, underlying benefits increase (up a maximum of 8% annually).  If investments earn less than 4%, underlying benefits go down. This annual adjustment is based on the Plan year investment return in the year prior to the latest Plan year.  This means a January 1, 2025 adjustment is based on the 2023 Plan year performance.

SIP benefits are adjusted for all members – those who are actively participating, those no longer actively participating but not yet receiving a benefit, retirees, and beneficiaries.  This means that, unlike traditional pension benefits, your SIP benefits have the potential to grow – even while in retirement.  

In retirement, SIP benefits are protected by a designated stabilization reserve. If there is a negative SIP adjustment while you are in retirement the Trustees can tap into this reserve to ensure your benefits never decrease.

For more information or examples of how this benefit is calculated, please refer to the Summary Plan Description located under the Documents section of the Participant Website.

Legacy (Traditional) benefits are benefits earned prior to January 1, 2018 and provide a monthly benefit for life. These benefits are earned each year based on hours worked and contributions made and are not impacted by asset returns.

For more information or examples of how this benefit is calculated, please refer to the Summary Plan Description located under the Documents section of the Participant Website.

No. You will make one form of payment election, which is applicable to both types of benefits. Once you begin receiving benefits, you will receive a single check for the total amount payable to you. Each January 1^st, the SIP portion of your benefit will be adjusted (the Legacy portion never changes) and you’ll receive an updated amount.

For more information or examples of how this benefit is calculated, please refer to the Summary Plan Description located under the Documents section of the Participant Website.