SUMMARY PLAN DESCRIPTION
2002 EDITION

Beginning Work

Becoming a Participant

You become a Participant in the Plan on the earliest January 1^st or July 1^st after you work at least 870 hours in Covered Employment in a consecutive 12-month period.

Earning Years of Service for Vesting

Year of Service

A Year of Service is a calendar year in which you work at least 870 hours in Covered Employment.  Your work in Non-Covered Employment with the same Employer may be counted if it is continuous with your work in Covered Employment.

Reaching Vested Status

Once you reach Vested Status, you earn a right to a pension and you will not lose your right to a pension from the Plan if you stop working in Covered Employment.  Generally you become vested once you have five Years of Service.  You may also become vested once you reach Normal Retirement Age.

If you did not work in Covered Employment on or after January 1, 1997, you should contact the Pension Benefits Department for the Vested Status rules that apply to you.

Earning Pension Credit

One of the eligibility requirements for each type of pension provided by the Plan is that you earn a certain amount of Pension Credit.  Your years of Pension Credit are also used in calculating the amount of your pension.  There are two types of Pension Credit, depending on whether your work was before or after your Employer began contributing to the Plan on your behalf.

Past Service Pension Credit

You may earn Past Service Pension Credit if you were working in a job with an Employer that later became obligated to contribute to the Plan for the same type of work.  The rules for receiving Past Service Pension Credit are different if your Employer’s Contribution Date occurred before January 1, 2000 or on or after January 1, 2000.

Past Service Pension Credit is subject to the maximum limitations listed in the following table.

*Specific limitations on Past Service Credit may apply to particular Employers.  You may check with the Pension Benefits Department if you have questions about the amount of Past Service Pension Credit for which you may qualify.

Generally, you will receive 12 months of Past Service Pension Credit for each calendar year before your Contribution Date in which you worked 150 days or earned at least $2,500 in work that becomes Covered Employment.

You will not receive Past Service Pension Credit for periods of work before a Break in Past Service.  Generally, a Break in Past Service is incurred if you did not earn a full year of Past Service Pension Credit in each of three consecutive calendar years.

Employer’s Contribution Date on or After January 1, 2000

If your Employer first became obligated to contribute to the Plan on or after January 1, 2000, you may earn 12 months of Past Service Pension Credit for each year of Future Service Pension Credit you subsequently earn if:

• Your Employer’s initial Contribution Rate was at least $0.50 per hour, and
• You were employed by your Employer in Covered Employment:

­       On the Employers Contribution Date, or

­       Within the 24-month period before the Employer’s Contribution Date and you were working in Covered Employment on the Employer’s Contribution Date.

When your Employer’s Contribution Date is on or after January 1, 2000, your Past Service Pension Credit is limited to:

• A maximum of 10 years, and
• Periods during which you were actively employed by the Employer in a job that is now covered under the Plan (and not absent due to sick leave, jury duty, parental leave or similar circumstances).

Employer’s Contribution Date Before January 1, 2000

If your Employer first began contributing to the Plan before January 1, 2000, you qualify to receive Past Service Pension Credit if you:

• Have 60 months of Future Service Pension Credit, or
• Satisfy the one-year test rule by having worked:

­       At least 150 days or earned $2,500 in one of three calendar years immediately before the calendar year in which your Employer became obligated to contribute to the Plan on your behalf, and

­       In a job classification and location that became covered by a Collective Bargaining Agreement or similar agreement that required contributions to the Plan.

This one-year test rule may be waived for your military service.

Past Service Pension Credit is limited to work for certain Employers if:

• Your Contribution Date is after March 22, 1995 and before January 1, 2000, and
• Your Employer’s Contribution Date is after August 5, 1995 and before January 1, 2000.

Contact the Pension Benefits Department if you think you may be entitled to Past Service Pension Credit for work with a particular Employer.

Future Service Pension Credit

Future Service Pension Credit for Construction Work

You will receive months of Future Service Pension Credit when you perform Construction Work in Covered Employment after your Contribution Date in accordance with the following schedule:

Future Service Pension Credit for Non-Construction Work

You will receive months of Future Service Pension Credit when you perform Non-Construction Work in Covered Employment after your Contribution Date in accordance with the following schedule: