Summary Plan Description

How Your Service Counts

The amount of the pension benefit you will receive at retirement depends on several factors, including your age, the contributions remitted on your behalf, and Pension Credits you have earned throughout your Covered Employment.

Years of Service

You earn a Year of Service for each consecutive 12-month period in which you complete at least 870 hours of work in Covered Employment.

Pension Credits

There are two types of Pension Credits, depending on whether your work was before (Past Service Credit) or after (Future Service Credit) an Employer began contributing to the Fund on your behalf.

  • Past Service Credit: If your Employer started contributing after January 1, 2000, you will qualify for one year of Past Service Credit for each year of Future Service Credit subsequently earned (up to a maximum of 10 years and excluding periods of absence). You will not receive Past Service Credit if you work in non-signatory employment. You will also not receive Past Service Credit for periods of work before a Break in Past Service (three consecutive years in which you did not earn a year of Past Service Credit).
  • Future Service Credit: You will receive months of Future Service Credit when you perform Construction Work in Covered Employment after your contribution date. See the Details Tab for Future Service Credit Schedules.

Becoming Vested

In general, you’re considered Vested when you have earned five Years of Service. If you are Vested in the Plan, it means you have a non-forfeitable right to a pension benefit, even if you leave work before you retire.

Breaks in Service

Leaving Covered Employment or not working enough hours in a Plan Year can result in a Break in Service. If you are not Vested in the Plan, a Break in Service may cause you to lose the Years of Service, Pension Credit, and Contribution Hours you have accumulated, along with your status as a Participant.

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

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