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