- Eligibility and Participation
- How Your Service Counts
- Non-Signatory Employment
- Normal Retirement Pension
- Early Retirement Pension
- Pro-Rata Pension
- How Benefits are Paid
- Full Disability Benefit
- Requesting Pension Estimates and Applying for Benefits
- If You Die Before You Commence Your Retirement Benefits
- Suspension of Benefits
- 401(h) Supplemental Insurance Subsidy
- Claims and Appeals Procedures
- Other Information You Should Know
- Your Rights Under the Employee Retirement Income Security Act of 1974
- Plan Facts
- Board of Trustees
- Merged Pension Funds
- Glossary of Key Terms
- Eligibility and Participation
- How Your Service Counts
- Non-Signatory Employment
- Normal Retirement Pension
- Early Retirement Pension
- Pro-Rata Pension
- How Benefits are Paid
- Full Disability Benefit
- Requesting Pension Estimates and Applying for Benefits
- If You Die Before You Commence Your Retirement Benefits
- Suspension of Benefits
- 401(h) Supplemental Insurance Subsidy
- Claims and Appeals Procedures
- Other Information You Should Know
- Your Rights Under the Employee Retirement Income Security Act of 1974
- Plan Facts
- Board of Trustees
- Merged Pension Funds
- Glossary of Key Terms
Pro-Rata Pension
If you do not meet the 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. Your pension benefit will be based on the pension credit and benefit you earn under each plan.
This page includes only highlights of the Plan’s pro-rata pension rules. See the Details Tab for more information.