In order for your pension benefit to start you will need to notify the Plan Administrator's Office at least 90 days before your benefit will begin.  You may request an application form over the phone or print an application form from this website. At the time that you apply for your pension benefit it will be required that you provide satisfactory evidence of your age.  The most satisfactory evidence is a copy of your birth certificate.  If you are married, it will be necessary for you to provide evidence of your spouse’s birth date, similar in nature to that required for yourself, as well as proof of marriage.    If you have been divorced, you will need to submit a copy of the divorce decree or QDRO.

Early retirement benefits may begin at age 55 as long as you have 10 years of Credited Service which would include at least one year of Credited Future Service.

Yes. Your benefit would be reduced by 1/2 of 1% per month (6% per year) between ages 62 and 65. 

This Plan is funded through employer contributions.  Your employer pays contributions, per a collective bargaining agreement, to finance the Plan.  No contributions are required by or permitted from you on the defined benefit pension plan.

Annually.

If you incur a permanent and total disability, you will be eligible for a disability benefit if you: (1) earned five years of credited service, including at least two years of Credited Future Service; (2) have earned 300 or more covered hours of service in any one of the four consecutive plan years immediately preceding your disability date.

Yes, please refer to your Plan Booklet.

If you are receiving Early or Normal Retirement benefits, your monthly pension benefit will be suspended if you are employed 40 hours or more by any one of the following: 1) any employer who is contributing to this Plan; 2) any employer in the same or related business as a participating employer within the geographic area of the Plan; or 3) self-employment in the same or related business as a participating employer, within the geographic area of the Plan.

Please refer to your Plan Booklet for additional guidelines.