If you do not meet service requirements for a pension because your years of employment are divided among two or more pension funds, the International Reciprocal Agreement for Sheet Metal Workers’ Pension Funds (Reciprocal Agreement) may allow you to meet eligibility requirements for a pension benefit under this Plan.

The Pro-Rata Pension allows you to use pension credit earned under another pension plan that participates in the Reciprocal Agreement to qualify for a pension under this Plan. The amount of the Pro-Rata Pension payable by each fund that has signed the Reciprocal Agreement will be based on the pension credit and benefit you earn under each plan.

You can retire on Pro-Rata Pension if you are a Participant who:

• Would be eligible for any type of pension (other than a Pro-Rata Pension) if your combined pension credit were treated as Pension Credit under this Fund; and
• Have at least one year of Pension Credit with the Plan based on Hours of Work in Covered Employment.

In some instances, contributions made to one plan may be transferred to the other plan, which generally means that benefits for these transferred contributions will be determined under the plan which received the transfer. Check with each respective pension plan to determine if this applies to your contributions.

When you apply for pension benefits, let the Fund Office know that you have service under another pension fund.