Summary Plan Description
The Plan provides for the payment of a Disability Retirement Benefit if you are totally
and permanently disabled and are entitled to receive disability benefits under the Social
Security Act prior to reaching age 60, and you meet all of the eligibility requirements.
In order to be eligible for the receipt of the Disability Retirement Benefit, you must
meet the following requirements:
1. You must be permanently and totally disabled. You are considered permanently and
totally disabled when, due to injury or disease incurred while employed by a Contributing
Employer, you become unable to engage in any occupation for wage and profit, and have been
so disabled for a period of at least 27 weeks.
You will not be considered disabled if the disability was suffered or incurred while
you were engaged in a criminal enterprise, or if the disability resulted from an
intentional self-inflicted injury; and
2. You must be entitled to receive disability benefits under the Social Security Act
and submit a copy of your "Certificate of Social Insurance Award" to the
Trustees for their approval; and
3. You must have earned at least 10 Years of Credited Service, of which at least 5
years are Future Credited Service (contributory service). It is important to note that
eligibility for the Disability Retirement Benefit is based on the Years of Credited
Service, and not on the Years of Participation, that you earn.
Computation Of Benefit
You may estimate the amount of the Disability Retirement Benefit you will receive each
month, if you are permanently and totally disabled and meet the eligibility requirements,
by following these steps:
1. Estimate the number of Years of Credited Service you will have
earned at the time of your Disability Retirement Date. You can find out the amount of
Credited Service you have earned by making a written request to the Fund Office.
2. Determine your Employer's last Contribution Rate Schedule. Turn to Tables 1 through 6 and look for your
Employer's last Contribution Rate Schedule. If your Contribution Rate Schedule is not
listed on the Tables, the Fund Office will provide you with your Contribution Rate
Schedule upon written request.
3. Find your Unit Multiplier for Disability Retirement Benefits by referring to Tables 1 through 6, as appropriate.
If your Unit Multiplier is not listed on the Tables, the Fund Office will provide you with
your Unit Multiplier upon written request.
4. Multiply your Unit Multiplier by your Credited Service. This is your estimated
monthly benefit which will be paid to you each month until you reach age 60, when you will
then receive the Normal Retirement Benefit for which you are eligible. The amount of your
benefit may be reduced by the 2% penalty explained at page 14, if applicable.
For all Contribution Rate Schedules with a Unit Multiplier greater than $20, the Unit
Multiplier for the Disability Retirement Benefit is limited to $20. However, after you
reach Normal Retirement Age, your benefit will be determined on the basis of the
appropriate Unit Multiplier for the Normal Retirement Benefit.
5. The application of the Qualified Joint and Survivor Benefit is explained in
the Section entitled "Qualified
Joint And Survivor Benefit" at page 43.
Assume that you become totally and permanently disabled through some unavoidable cause
before age 60, you are entitled to receive disability benefits under the Social Security
Act, you submit a copy of your "Certificate of Social Insurance Award" to the
Trustees for their approval, and you have completed 20 Years of Credited Service of which
at least 5 years are Future Credited Service. Your Disability Retirement Benefit is $400
(20 years x $20 Unit Multiplier). You will receive this amount every month from your
Disability Retirement Date until you reach age 60, at which time you will receive the
appropriate Normal Retirement Benefit. This example assumes that you and, if married, your
spouse waived all Survivor Options.
Effective Payment Date Of Disability Retirement Benefit
Effective October 18, 1984, the effective payment date of the Disability Retirement
Benefit is the date of disability as determined by the Social Security Administration,
plus the 27-week period of continuous disability. For example, if the Social Security
Administration's "Certificate of Social Insurance Award" finds you totally and
permanently disabled as of January 1, 1999, your Disability Retirement Benefit will begin
27 weeks later. But remember, you must file an application and meet the other eligibility
requirements to be eligible for the Disability Retirement Benefit.
Suspension Of Disability Retirement Benefit
You will receive the Disability Retirement Benefit only for as long as you continue to
remain disabled and receive Social Security disability benefits. The Plan requires that
you furnish evidence on a regular basis, but not more frequently than twice a year, that
your disability still totally and permanently disables you. Of course, once you reach your
Normal Retirement Age, your Disability Retirement Benefit will be terminated and replaced
by your Normal Retirement Benefit.
You may be requested by the Board of Trustees to provide evidence to the Fund Office,
in the form required, on a periodic basis that you continue to be totally and permanently
If you do not continue to be totally and permanently disabled, or you engage in any
occupation or employment for wage or profit while you are disabled, or you are no longer
receiving Social Security disability benefits, your Disability Retirement Benefit will be
suspended and you will be liable for the repayment to the Plan of all Disability
Retirement Benefits you received after you are no longer totally and permanently disabled,
or after you engaged in an occupation for wage or profit while you were disabled, or after
you ceased receiving Social Security disability benefits.
When you reach Normal Retirement Age, and your Disability Retirement Benefit is
automatically changed to the Normal Retirement Benefit, the benefit is then subject to the
provisions of the Plan explained at page 59.
Remember, you may not engage in any occupation or employment for wage or profit while
you are disabled.
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