To apply for your pension, you will need to complete a Distribution Application. You should apply for your pension at least 90 days prior to your retirement date. Please complete the forms and mail along with any noted documentation to the Fund Office.
Your surviving spouse or beneficiary may be entitled to a Death Benefit if you pass away prior to receiving benefits from the Plan. The form, amount and commencement date of the benefit payments depend upon various factors, including the date of your death.
If you divorce (whether before or after retirement), your spouse may be entitled to receive a portion or all of your pension benefit in accordance with the terms of a Qualified Domestic Relations Order (QDRO). Under the terms of a QDRO, certain payments could be made from your benefits to pay alimony, child support, or marital property rights to your former spouse, child, or other dependent. If you divorce, you must contact the Fund Office to ensure your benefits are paid properly.
A QDRO may affect the amount of pension benefit you will receive or are receiving. A copy of the Fund’s procedures for handling QDROs will be provided to you, free of charge, upon request. If you have questions about QDROs, please contact the Fund Office.
Before Retirement: If you are married while you are working, your qualified spouse becomes your beneficiary for any Plan benefits you have earned. In order for your spouse to be eligible for benefits, you must be legally married to one another under applicable state law or the laws of a foreign jurisdiction. In addition, one year of marriage is required in some cases. A spouse is also someone who is required to be treated as a spouse or surviving spouse under a Qualified Domestic Relations Order (QDRO).
If you die before your pension benefit begins, your spouse may be eligible to receive a pre-retirement surviving spouse pension or a pre-retirement death benefit.
After Retirement: Your pension benefit is not affected when you marry after you have begun to receive a pension benefit. It is not affected because once you begin to receive a pension benefit, you cannot change the form of payment you are receiving. Your new spouse will not qualify for a benefit regardless of the form of payment you are receiving.
To apply for a disability pension, you will need to contact the Fund Office.
If your employment is interrupted before you are vested, you may lose your accumulated vesting service and pension credits. However, once you are vested, you will not lose your accumulated vesting service or pension credits. Certain interruptions may not result in a break in service. Some breaks in service do not result in a loss of vesting service and pension credits, but do impact how your benefits are calculated (see breaks in service on Page 14 of the SPD for an explanation).
If you and your spouse get a divorce or legal separation, your spouse will no longer be eligible for coverage. Your spouse may elect to continue coverage under COBRA for up to 36 months upon divorce or legal separation. You or your spouse must notify the Fund Office, within 60 days of the divorce or separation date for your spouse to obtain COBRA continuation coverage. You must also submit a copy of the divorce decree to the Fund Office.