Pension Plan

Active Participants

Active Participant means a vested Participant who is credited with a total of at least 2,000 Hours of Service in the 5 Calendar Years immediately preceding his pension starting date (“Annuity Starting Date”), including the Calendar Year in which his Annuity Starting Date occurs (except if a Participant’s Annuity Starting Date is January 1, then the Participant must be credited with a total of at least 2,000 Hours of Service in the 5 full prior Calendar Years).

Years of Credited Service

Vesting Service in a Plan YearHours of Service
1/10th of a year creditFor each completed 100 hours

The Pension Plan Year begins on January 1st and ends on December 31st.

Pension Accrual Rate as of January 1, 2016

1 % of required Contrubutions made on your behalf

  • For example: 2000 hours x $8.00 (ER contribution rate) = $16,000 x 1% = $160 added to Participant's pension total.
Pension Forms and Downloads

Key Words and Definitions

Accrued Benefit

Accrued Benefit means the amount of a Participant’s monthly Regular Pension  calculated at any point in time payable as of the Participant’s Normal Retirement Date. The Accrued Benefit equals the sum of the Participant’s Pre January 1, 2016 Accrued Benefit (if any) and the Participant’s Post-January 1, 2016 Accrued Benefit. The Post-January 1, 2016 Accrued Benefit is expressed in the unreduced form, which is a single life annuity with 60 monthly payments guaranteed.

Annuity Starting Date

Annuity Starting Date means the first day of the first month for which a pension benefit is payable from the Fund.

Beneficiary

Beneficiary means the person named by you on the applicable forms provided by the Fund and who is or may become entitled to benefits under the Plan. A designation of beneficiary will not be effective for any purpose unless and until it has been filed with the Fund. The Beneficiary on file as shown by the records of the Plan at the time of your death is conclusive as to the identity of the Beneficiary and payment made in accordance therewith will constitute a complete discharge of all obligations under the Plan. Effective for deaths on or after July 1, 2016, if no Beneficiary has been designated, or if your Beneficiary is not alive when you die, any death benefits payable on your behalf will be paid to your Surviving Spouse, or if none, to your estate. A Beneficiary may also be designated in an entered court order if the order contains a clear designation of rights to the Beneficiary. A Beneficiary designation in a court order meeting this requirement will govern over any prior or subsequent conflicting  designation filed with the Fund.

A Beneficiary may waive his or her rights as a Beneficiary under the Plan in an entered court order, provided that such order contains a clear waiver of rights. A waiver in a court order meeting this requirement will govern over a prior conflicting designation that has been filed with the Fund. If such waiver is on file with the Fund and no new designation has been made, the Fund will pay your benefits in accordance with the same procedures that apply to Participants who die without designating a Beneficiary, as described in the preceding paragraph.

Break-In-Service

Break-In-Service occurs in any Calendar Year during which you fail to earn at least 500 Hours of Service.

Covered Employment

Covered Employment means employment with a Contributing Employer for which Contributions to the Fund are required under a collective bargaining agreement or other written agreement. Covered Employment may also include work in a job classification for a Contributing Employer that was not considered Covered Employment at the time the Participant worked in that job, provided that it was immediately before or after work in Covered Employment and the employer was party to a collective bargaining agreement with the Council or Local Union at the time the work was performed. For a Participant on or after January 1, 2016, Covered Employment may also include work prior to the Contribution Period.

Qualified Domestic Relations Orders (QDROs)

Qualified Domestic Relations Order means a domestic relations order within the meaning of Section 206(d) (3) of ERISA and Section 414(p) of the Code.

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