Your Pension Application must be properly completed in writing and submitted to the Fund Office with appropriate identification at least 15 days before the date your pension is payable. You must also provide the Plan with any information needed to determine your eligibility for a pension and the amount you are entitled to. Additionally, you must complete the forms necessary to elect the type of pension you are applying for as well as the provision providing for spousal consent, if applicable.

Regular Pension

A Regular Pension is the pension benefit that you are eligible to receive when you reach normal retirement age. To be eligible, you:

• Must be age 62 or older;
• Must have completed one or more hours of service on or after January 1, 1997;
  and
• Must have at least 5 years of future service credits.

Early Retirement Pension

You can retire early and receive a pension if you are between the ages of 55 and 61, and have at least 15 pension credits.
Early Retirement Pensions are reduced by .5% for every month that you are younger than age 62.

Disability Award Pension

If you become disabled and cannot work, you may be eligible for a Disability Award Pension. You can receive a Disability Award Pension if you:

• Stop working because of total and permanent disability that began before termination;
• Have received a Social Security Disability Award;
  and
• Have earned at least 10 years of credited service, 5 of which must be future service credits.

You can receive a Disability Pension at any age under 62. As long as you remain disabled, you will receive pension payments.

To be considered disabled, you must receive a disability award from the Social Security Administration. A Disability Award Pension can be paid to you as long as you remain disabled. If you receive a Disability Award Pension, the Board of Trustees can require you to submit to a physical examination no more than once a year at the Board's expense. If you refuse such as examination, all benefits shall be terminated.

Vested Pension

If you stop working in covered employment before retirement, but after you've completed at least five years of vesting service.