Amount of Disability Pension for Participants Covered Under If you are married when you retire on a disability pension, the stan- the Default Schedule dard form of payment is the 50% Joint and Survivor Pension (see If you retire on a disability pension on or after your RP Schedule page 19), unless you and your spouse reject it in writing. If you are Effective Date (or on or after September 1, 2019, if later and are unmarried, the standard form is the same standard form as for a covered under the Default Schedule, and you have 600 hours of normal pension as described on page 20. Optional forms of pay- service in any plan year beginning 1997 or later, your disability ment are available to participants who do not want the standard pension will be calculated differently for the portion that is earned form. See pages 20 and 21 for details. before and after your RP Schedule Effective Date, as follows: Early Retirement Pension Pending Disability (A) for benefits earned before the RP Schedule Effective Date, the Determination unreduced normal pension to which you would have been You may elect, at the time you apply for benefits, to start an early entitled if you were then 65 years of age, plus retirement pension, if eligible, while waiting for a determination (B) for benefits earned on or after the RP Schedule Effective Date, of your eligibility for a disability pension. Once it is determined a reduced benefit based on the early retirement reduction fac- that you are eligible for a disability pension, you will receive the tors in Table Thirteen. greater of the amount of the early retirement pension or the dis- ability pension. HERE’S AN EXAMPLE: VESTED DEFERRED PENSION Under the Default Schedule, if Michael is totally and permanently The vested deferred pension is for participants whose vesting ser- disabled in 2025 and retires at age 50, his Disability Pension is vice earns them a right to a benefit. calculated as follows: If you have an hour of service on or after January 1, 1991, you are (A) $469.80 (the portion of his monthly Disability Pension eligible to receive a vested deferred benefit once you have at least earned before his RP Schedule Effective Date) five years of vesting service and are at least 55 years old. — Plus — If you do not have an hour of service on or after January 1, 1991, (B) $180.00 (the portion of his monthly Disability see your prior plan SPD. Pension earned on and after his RP Schedule Effective Date), reduced by 76.5% by applying the early See page 8 for a definition of vesting service. retirement reduction factor in Table Thirteen at age 50 (.235) = $42.30. Amount of Your Vested Deferred Pension As a result, Michael’s total monthly Disability Pension The amount of your vested deferred pension at age 65 is calculat- benefit = $512.10 ($469.80 + $42.30), ed the same way as a normal pension but is based on your future beginning immediately at age 50. service credit only. You can choose to begin receiving your vested deferred pension between the ages of 55 and 65. If you do, your benefit will be cal- Amount of Disability Pension for Grandfathered culated the same way as an early retirement pension but based on Participants future service credit only. See Table Twelve. PRO-RATA PENSION Other Provisions Applicable to Disability Pensions Because the Trustees have agreements with certain other related Your monthly disability benefit will never be less than $35.00 be- pension plans, you may be entitled to a benefit called a pro-rata fore adjustments for the 50% Joint and Survivor Pension or any pension even though you did not work long enough under the optional form of payment, or more than the amount of a normal National Pension Fund or a related plan to earn a right to a benefit pension. under either plan. By these agreements, each of the plans com- For covered employees who are eligible for disability pensions bines credit with the other regarding eligibility for certain benefits. based on five years of vesting service but have less than five years of For a list of related plans, see page 31. If you have questions, credited service, disability pension benefits will be based solely on please contact the Fund Office. their future service credit. 18 \\ How Much Will Your Pension Benefit Be?