ABC-NABET RETIREMENT TRUST PLAN – February 2015
Table of Contents

• TO ALL PARTICIPANTS
• INTRODUCTION
• ELIGIBILITY
• THE RETIREMENT PAYMENTS, IN BRIEF
• NORMAL RETIREMENT
  • When Am I Eligible for a Normal Retirement Payment?
  • What Is the Amount of the Normal Retirement Payment?
• POSTPONED RETIREMENT
  • When Am I Eligible for a Postponed Retirement Payment?
  • What Is the Amount of the Postponed Retirement Payment?
• EARLY RETIREMENT
  • What Are My Early Retirement Options?
  • Early Retirement with 10 years of Service
  • Early Retirement After Attaining Age 50 with 20 Years of Service
  • Rule of 85
• DISABILITY RETIREMENT
• DEFERRED RETIREMENT
  • When Am I Eligible for a Deferred Retirement Payment?
  • What Is the Amount of the Deferred Retirement Payment?
  • Is the Amount of the Deferred Payment Retirement Payment Based on Years of Vesting Service?
• FUTURE BENEFIT CHANGES
• EARNING SERVICE CREDITS
  • How Are Service Credits Earned for Employment After December 31, 1975?
  • How Are Service Credits Earned for Employment After January 31, 1963 but Before January 1, 1976?
  • How Are Service Credits Earned for Employment Before February 1, 1963?
  • Is There Any Way an Employee Can Receive Service Credit for Time When Not in Bargaining Unit Employment?
• WHAT ARE YEARS OF VESTING SERVICE?
• BREAKS IN SERVICE
  • Can Credited Service for Retirement Payments Be Lost or Cancelled?
  • Protection Against a Break in Service
• USE OF UNIT SENIORITY
• NORMAL FORMS OF BENEFIT
  • What Is the Normal Form of Benefit Under the Plan?
  • What Is the Qualified Joint and Survivor Annuity?
  • What Happens if Your Spouse Dies?
  • When Are You Considered Married?
  • What Happens if You Are Divorced?
  • What Is a Single Life Annuity?
• OPTIONAL FORMS OF BENEFITS
  • Joint and Survivor Annuity
  • Annuity with 120 Monthly Payments Guaranteed
  • Level Payment Taking Social Security into Account
  • Single Life Annuity
  • Election of Options
  • How to Name a Beneficiary
• IF YOU DIE BEFORE YOU START TO RECEIVE PAYMENTS
  • Before You Are Eligible for Retirement Benefits
  • After You Are Eligible for Retirement Benefits
• SUPPLEMENTARY RETIREMENT BENEFITS (VOLUNTARY)
  • Can You Voluntarily Add to Your Retirement Benefit?
  • Eligibility to Participate
  • Enrolling in the Plan
  • Contributions
  • Investment Choices
  • Investment Election Transfers
  • In-Service Withdrawals
  • Distribution of Account
  • Your Spouse
  • Designating a Beneficiary
• APPLYING FOR BENEFITS
  • How to File an Application for a Pension
  • When Do Pension Benefits Begin?
  • Do These Requirements Apply to the Supplementary Portion?
  • Lump Sum Distributions
• SUSPENSION OF BENEFITS UPON REEMPLOYMENT AFTER RETIREMENT
  • Reemployment in an ABC-NABET Covered Position After Retirement
• CLAIMS REVIEW PROCEDURES
  • What Are the Claims Review Procedures Under the Plan?
• OTHER INFORMATION
  • Can You Sell, Assign or Pledge Your Right to Benefits?
  • Do the Plan Benefits Affect Your Social Security?
  • Are There Any Other Limitations on My Benefits?
• PLAN TERMINATION RULES
• TERMINATION INSURANCE
• YOUR RIGHTS UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT (ERISA)
  • Receive Information About Your Plan and Benefits
  • Prudent Actions by Plan Fiduciaries
  • Enforce Your Rights
  • Assistance with Your Questions
• BOARD OF TRUSTEES
• PLAN INFORMATION