• What is the earliest age that I can retire?  

If you last worked in covered employment on or after July 1, 1999, the earliest you can retire is:

♦ Age 55 with at least 10 Pension or Vesting Credits or

♦ Age 60 with at least 5 Vesting Credits.

  • Can I start collecting my pension prior to age 55 if I am on total disability?

No. The Plan does not provide a disability pension. However, you can apply to receive your pension once you satisfy the requirements for an early or normal pension.

  • Do I earn pension credit if I am out on Workers’ Compensation or disability?

No.  You will not accumulate pension credit during periods you are out on Workers’ Compensation or disability. However, the time during which you are out on disability or Workers’ Compensation, to a limited extent, will not be counted towards a determination of a possible permanent break in service.  This is explained more fully in Section IV of the Summary Plan Description Booklet.

  • When are pension checks mailed out?

Pension checks are mailed out on the last business day of each month prior to the month for which they are due.  

  • Can I instruct the Fund Office to deposit my pension benefit payments directly into my bank account instead of sending me a check?

Yes. Your benefit payment may be deposited in a checking or savings account with a financial institution in the United States or Puerto Rico.  Funds will be available on the 1st business day of the month for which they are due.



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