Summary Plan Description

Full Disability Benefit

A Full Disability Benefit is a lifetime ancillary benefit, not a pension. You can receive a Full Disability Benefit if you satisfy all of the criteria.

Your Full Disability Benefit will be equal to the amount of the Early Retirement Pension that would be payable had you reached age 55 on the day you became disabled. If you are married, you will be offered a choice of a Lifetime Full Disability Benefit and a Joint and Survivor Annuity.

You may be required to submit proof of your continued disability from the U.S. Social Security Administration (or Railroad Retirement Board) or other requested documentation. Failure to do so will make you ineligible for a disability benefit.

This page includes only highlights of the Plan’s disability benefit rules. See the Details Tab for more information.

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