Below is a list of Frequently Asked Questions. Simply click on the question and a pop up will be displayed with the answer.

NORMAL RETIREMENT BENEFITS
 
Q. At what age am I eligible for full Normal Retirement Benefits?
 
Q. How many years of service do I need to be eligible for Normal Retirement Benefits?
 
EARLY RETIREMENT BENEFITS
 
Q. At what age am I first eligible for Early Retirement Benefits?
 
Q. How much is my Normal Retirement Benefit reduced for Early Retirement?
 
DISABILITY BENEFITS
 
Q. How many years of Continuous Service are required to be eligible for Disability Benefits?
 
Q. What medical information is needed to prove disability exists?
 
Q. What must I do to apply for Disability Benefits?
 
Q. How long are Disability Benefits paid?
 
Q. Can I do any type of work while receiving Disability Benefits?
 
Q. What happens if I recover and am able to return to my regular work?
 
BENEFITS PAYABLE IF DEATH OCCURS BEFORE RETIREMENT
 
Q. What benefits are payable if I die before receiving retirement benefits?
 
Q. How much is the Death Benefit?
 
Q. How do I name a beneficiary for the Death Benefit?
 
Q. What is a Survivor Benefit?
 
Q. Who is my beneficiary for the Survivor’s Benefit?
 
Q. How is the amount of the Survivor Benefit determined?
 
Q. When is my beneficiary eligible to receive the Survivor Benefit?
 
Q. How is the benefit paid?
 
BENEFITS PAYABLE IF DEATH OCCURS AFTER RETIREMENT
 
Q. What benefits are payable if I die after some retirement benefits have been paid?
 
APPLYING FOR BENEFITS
 
Q. How soon should I apply for pension benefits?
 
Q. What information should I bring with me when I apply for benefits?
 
Q. Must I come into the Pension Fund Office to apply for benefits?
 
Q. After I complete my application for benefits, how long will it take to receive my first check?
 
Q. What recourse do I have if my application for benefits is not approved?
 
WORKING AFTER RETIREMENT
 
Q. Can I return to work after I retire?
 
Q. How many hours can I work in Plan-related Employment and continue to receive my pension benefits?
 
PAYMENT OF BENEFITS
 
Q. Will my monthly benefit be deposited directly into my bank account?
 
Q. When are pension checks mailed?
 
Q. What happens if I don’t receive my pension check?
 
Q. What happens to my pension check if I move?
 
Q. Can self-payments for my health fund be deducted from my monthly pension check?
 
Q. Is my pension benefit taxable?
 
Q. Will I receive a tax statement showing how much I received in pension?
 
EARNING SERVICE
 
Q. How do I earn a year of Continuous Service?
 
Q. When do I become vested in the Plan?
 
Q. Will my pension be affected if I am not working for a period of time?
 
Q. Can I lose the credit I have earned?
 
Q. What happens if I work for an Employer who fails to make contributions to the Pension Fund?
 
RECIPROCITY OUT
 
Q. What happens to my pension contributions if I work in another area?
 
MISCELLANEOUS INFORMATION
 
Q. What happens if I stop working in construction before retirement?
 
Q. Can I make direct contributions into the Pension Fund?
 
Q. Can I withdraw any money from the Pension Fund at any time for any reason?
 
Q. Can my pension benefits be affected by a divorce?
 
Q. Can creditors have access to my pension benefits?
 
Q. Can I borrow from my pension account or benefits?
 
Q. How do I change my beneficiary?
 
Q. What happens if I don’t name a beneficiary on Pension Fund records and I die?
 
Q. What must my beneficiaries do in the event of my death?
 
Q. What is the difference between a calendar year and a Plan Year?
 
Q. What is the difference between actual hours and hours credited?
 
Q. Why are no hours credited for my first year as an apprentice?
 

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