AN OVERVIEW OF YOUR PENSION PLAN
Joint Board of Trustees
To All Participants
TYPES OF PENSION
FORMS OF PAYMENT
If You Are Married — Joint & Survivor Pension
If You Are Not Married — Lifetime Pension with 60 Months Guaranteed
SURVIVOR(S) BENEFITS
Prior to Vesting — Lump Sum Death Benefit
Survivor(s) Benefits Before Retirement
Survivor(s) Benefits After Retirement
APPLYING FOR YOUR PENSION
CLAIMS AND APPEALS PROCEDURE
Appealing a Denied Claim or Disagreeing with an Action
VESTING
Losing or Interrupting Vesting Service
Qualified Domestic Relations Orders
BENEFIT UNITS AND RATES
PARTICIPATION
WORK AFTER RETIREMENT
OTHER INFORMATION
Pension Benefit Guaranty Corporation
Beneficiary Designation and Survivor(s) Benefits
Lump-Sum Payments of Small Amounts
Rollover of Plan Distributions
YOUR RIGHTS UNDER ERISA
Your Right to Receive Information About Your Plan and Benefits
Prudent Actions by Plan Fiduciaries
Steps You Can Take to Enforce Your Rights
Assistance with Your Questions