Table of Contents
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AN OVERVIEW OF YOUR PENSION PLAN

Joint Board of Trustees

To All Participants

TYPES OF PENSION

Normal Pension

Early Retirement Pension

Deferred Pension

Disability Pension

Lump Sum Bonus

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

Designating Beneficiaries


APPLYING FOR YOUR PENSION

Married Participants

When Your Payments Begin

Required Minimum Distribution

Preparing for Retirement

Overpayments

CLAIMS AND APPEALS PROCEDURE

Claims Review

Appealing a Denied Claim or Disagreeing with an Action

VESTING

Becoming Vested

Losing or Interrupting Vesting Service

Qualified Domestic Relations Orders

Military Service

BENEFIT UNITS AND RATES

Benefit Units

Benefit Rates

PARTICIPATION

Eligibility to Participate

WORK AFTER RETIREMENT

OTHER INFORMATION

Plan Facts

Plan Administration

Amendment Provisions

Interpretation of the Plan

Contribution Source

Funding Medium

Plan Merger or Termination

Basic Financial Operations

Pension Benefit Guaranty Corporation

Normal Retirement Age

Non-Assignment of Benefits

Beneficiary Designation and Survivor(s) Benefits

Maximum Retirement Benefits

Lump-Sum Payments of Small Amounts

Rollover of Plan Distributions

Loans or Withdrawals

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

GLOSSARY