› Amount of Disability Pension for Grandfathered Participants ............18 General Information .........................................................29 › Other Provisions Applicable to Disability Pensions .............................18 Administration.................................................................................................29 › Early Retirement Pension Pending Disability Determination.............18 Board of Trustees .............................................................................................30 Vested Deferred Pension ................................................................................18 Employer Identification Number and Fund Number ....................................30 › Amount of Your Vested Deferred Pension............................................18 Fund Type .........................................................................................................30 Pro-Rata Pension .............................................................................................18 Fund Year .........................................................................................................30 Merged Plans ..................................................................................................19 Service of Legal Process ..................................................................................30 How Will Your Pension Benefit Be Paid? ...........................19 Contribution Source ........................................................................................30 Definition of Spouse .......................................................................................19 Contributing Employers .................................................................................30 Standard Form for Married Participants: 50% Joint and Survivor Pension ..19 Funding Medium ............................................................................................30 › Amount of Reduction ............................................................................19 Related Plans ....................................................................31 › If Your Spouse Dies Before You (Preferred Schedule and Merged Plans ....................................................................31 Grandfathered Participants) .................................................................20 Transfers from Other Plans ................................................32 Standard Form of Payment for Single Participants: Single Life Annuity ......20 Appendix ..........................................................................33 Optional Forms of Payment ..............................................20 TABLE ONE (Schedule B) .................................................................................33 75% Joint and Survivor Pension ....................................................................20 Determining Your Future Service Benefit .................................................33 › Amount of Reduction ............................................................................20 Non-Standard Groups ................................................................................42 100% Joint and Survivor Pension ..................................................................21 TABLE TWO (Schedule A) .................................................................................44 › Amount of Reduction ............................................................................21 Determining Your Future Service Benefit .................................................44 120 Certain Payments ....................................................................................21 TABLE THREE ....................................................................................................49 › Amount of Reduction ............................................................................21 Determining Your Future Service Benefit .................................................49 Automatic Lump Sum Cash-Out of Small Pensions ......................................21 TABLE FOUR .....................................................................................................51 Eligible Rollover Distributions ........................................................................21 Determining Your Future Service Benefit .................................................51 Selling, Assigning or Pledging Benefits ........................................................21 TABLE FIVE........................................................................................................53 Qualified Domestic Relations Orders (QDRO) ...............................................21 Determining Your Future Service Benefit .................................................53 Benefits for Survivors If You Die Before Retirement ..........22 TABLE SIX .........................................................................................................55 Spouse Preretirement Death Benefit .............................................................22 Determining Your Future Service Benefit .................................................55 Preretirement Death Benefit for Unmarried Participants Covered by TABLE SEVEN ....................................................................................................56 the Preferred Schedule or Grandfathered Participants: 60 Payments ..........22 Determining the Amount of a 50% Joint and Survivor Pension .............56 Designating Your Beneficiary .........................................................................22 TABLE EIGHT .....................................................................................................57 What Happens If You Return to Work After You Retire? .....23 Determining the Amount of a 75% Joint and Survivor Pension .............57 If You Disagree with the Decisions of the Trustees .........................................23 TABLE NINE ......................................................................................................58 What Else You Should Know About Working After Retirement ....................23 Determining the Amount of a 100% Joint and Survivor Pension ...........58 How Do You Apply for Pension Benefits? ..........................24 TABLE TEN ........................................................................................................59 Overpayments .................................................................................................24 Determining the Amount of Your Benefit Under the When Benefit Payments Begin ......................................................................24 120 Certain Payments Option ...................................................................59 Retroactive Annuity Starting Date ..................................................................25 TABLE ELEVEN ..................................................................................................59 Processing Applications for Benefits ..............................................................25 Determining Your Past Service Benefit .....................................................59 When Benefits Are Paid Automatically ...........................................................26 TABLE TWELVE ..................................................................................................62 When Benefits Start After Normal Retirement Age .......................................26 Special Rules for Grandfathered Participants ...........................................62 Pension Benefits as Taxable Income ..............................................................26 › Amount of Your Early Retirement Pension .....................................62 What You Can Do If You Are Denied a Pension: Appeals Procedures ...........26 › Early Retirement Reduction After 20 Years of Service ....................62 What If the Pension Fund and Trust Terminate? ................27 › Early Unreduced Retirement Pension at Age 62 ............................62 Termination Insurance ......................................................28 › 30 and Out Pension .........................................................................62 Statement of Rights Under the Employee Retirement › Disability Pension Amount ..............................................................62 Income Security Act of 1974 as revised by the Pension › 60 Certain Payments Optional Form of Benefit .............................62 Protection Act (PPA) of 2006 .............................................28 TABLE THIRTEEN ...............................................................................................63 Receive Information About Your Fund and Benefits .....................................28 Early Retirement Reduction Factors Based on Actuarial Equivalence ......63 Prudent Actions by Fund Fiduciaries ..............................................................29 Additional Information .....................................................64 Enforce Your Rights .........................................................................................29 Communicating with the Fund Office ............................................................64 Assistance with Questions ..............................................................................29