Summary Plan Description

Other Information You Should Know

Pension Benefit Guaranty Corporation (PBGC)

Your pension benefits under this Plan are insured by the Pension Benefit Guaranty Corporation (PBGC), a Federal insurance agency. The maximum benefit the PBGC guarantees is set by law.

How Benefits Can Be Delayed or Lost

There are certain situations where benefits can be reduced, delayed or lost, including:

  • You or your Beneficiary do not file a claim for benefits properly or on time.
  • You or your Beneficiary do not furnish the information required to complete or verify a claim.
  • You or your Beneficiary do not have your current address on file with the Fund Office.

No Assignment of Benefits

Benefits under the Plan are for your benefit and the benefit of your eligible survivors only. They cannot be sold, transferred, assigned, or pledged to anyone; nor are benefits subject in any manner to anticipation, alienation, encumbrance, or charge.

Qualified Domestic Relations Orders (“QDRO”)

A QDRO is a court order or judgment that directs the Plan to pay benefits to your spouse, former spouse, child, or other dependent in connection with child support, alimony, or marital property rights and that satisfies the requirements described in Section 206(d)(3) of ERISA. You’ll be notified if the Plan ever receives a proposed QDRO with respect to your pension. For more information on QDROs, or to receive a free copy of the Fund’s procedures in determining whether an order is qualified or contact the Fund Office.

Amendment and Termination of the Plan

The Trustees have the authority to amend or terminate the Plan at any time and for any reason. You will be notified if the Plan is amended or terminated.

Your Disclosures to the Plan

If you provide false information to the Plan or commit fraud, you may be required to indemnify and repay the Plan for any losses or damages caused by your false statements or fraudulent actions.

This page includes only highlights of other important information. See the Details Tab for more information.

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