WHAT HAPPENS IF YOU that you are no longer working or establish that the employment RETURN TO WORK AFTER is not disqualifying employment. YOU RETIRE? IF YOU DISAGREE WITH THE DECISIONS OF THE TRUSTEES If you return to work after you have retired and while you are re- If your claim for benefits is denied or suspended, you have the right ceiving a pension from the National Pension Fund, your pension to appeal. In order to appeal the denial of your claim for benefits, you may be suspended, depending upon your age and the type of must file a written request with the Trustees within 180 days after work you are doing. the notice of the denial is mailed to you. The Trustees will consider If you have reached normal retirement age, your pension benefits your appeal and they will respond to you in writing. Their decision will be suspended for any month in which you work 40 or more will include the specific basis for their decision and specific reference hours for a contributing employer under the Fund, in the same trade to Fund provisions on which the decision is based. In the case of an or craft in which you were employed while covered under the Fund appeal of the denial of your claim for a disability pension, the Fund (“disqualifying employment”). will also provide you, free of charge, any new or additional evidence considered, relied upon or generated by the Fund in connection If you have not reached normal retirement age, your pension ben- with your appeal and with any new or additional rationale for the efits will be suspended for any month in which you work for a con- denial of your application. Such information will be provided to you tributing employer in any job classification or in any geographical sufficiently in advance of the Fund’s decision on your appeal so that area covered by the Plan when you retire, if the employment is in you will have a reasonable opportunity to respond before the Fund any industry and trade or craft in which you worked at any time reaches a final decision on your appeal. after your employer first became obligated to make contributions The decision of the Trustees will be final and binding on all parties. to the Plan or prior plan A, B or C. Please refer to the “What Can You Do If You Are Denied a Pension: Your pension benefits will not be suspended after you have reached Appeals Procedures” Section for further information regarding how the date at which benefits must be paid automatically — generally, to appeal a denial of benefits. the later of the April 1st following the year during which you retire or the April 1st following the year during which you reach your Required Minimum Distribution age (See When Benefits Are Paid Automatically on page 26.) If you are thinking about accepting any employment after you retire, please contact the Fund Office to get a ruling on that employment. You can also download a “Ruling on Employment” form from the Fund’s website at www.iamnpf.org. You are required to report all employment to the Fund Office within 30 days of the start of such WHAT ELSE YOU SHOULD KNOW ABOUT WORKING employment. AFTER RETIREMENT The Trustees may require you to periodically provide information If you stop working in disqualifying employment you can start re- about your employment status. ceiving your pension again. You need to notify the Fund Office in Disability pensioners are required to report any employment to writing that you have left disqualifying employment so that your the Fund Office within 15 days of returning to work. Failure to pension can be reinstated. make a timely report of employment may result in disqualification If you were working for a contributing employer, you may have of benefits for six months. earned additional future service credit. If so, your retirement ben- If the Trustees find, from any source, that you have worked in em- efit will be higher. ployment as just described and you have not notified the Fund, the If the first time you retired was before your normal retirement age, Trustees will presume that you are working 40 hours a month in any benefits you earn after you return to work will be payable in disqualifying employment and will suspend your pension for that any benefit form you select when you retire again. month and each subsequent month until you give written notice SUMMARY PLAN DESCRIPTION 2023 // 23