Introduction

Plan Coverage

• Who Is Covered by the Plan?
• Contributions to the Plan
• Acceptance of New Contributing Employers
• How Much May Be Contributed to the Plan?

How The Plan Works

• Administration of the Plan
• Individual Accounts
• Valuation of Individual Accounts

Investment Of Plan Assets

• Investment of Your Individual Account
• Age Based Investing

Plan Benefits

• Benefits in General
• Amount of Benefits
• Retirement Benefits
• Separation Benefits
• Disability Benefits

Payment Of Benefits

• How Benefits Are Paid
• Automatic Form of Payment if You Are Married: 50% Husband and Wife Pension
• Automatic Form of Payment if You Are Not Married: Single Life Pension
• Information About the 50% Husband and Wife Pension and Single Life Pension
• Other Options for Benefit Payments
• Choosing Your Benefit Payment Option

Survivor Benefits

• Preretirement Death Benefits
• Preretirement Surviving Spouse Benefits
• Death After Retirement
• Designating a Beneficiary for Preretirement Death Benefits
• If There Is No Beneficiary

Applying For Benefits

• Commencement of Benefits
• Return to Covered Employment
• Appeal of a Denial of Benefits
• Review of Fund Office Determinations

Additional Information

• If I Owe Money, Can I Sign Over My Account Balance?
• What Rights to My Benefit Can My Spouse, Ex-Spouse or Dependents Have?
• Are My Individual Account Plan Benefits Affected by Receipt of Social Security or Other Benefits?
• Do I Have to Pay Tax on the Money Earned in My Individual Account?
• Special Requirements for Non-Collectively Bargained Employees

Your Rights Under ERISA

Other Important Information

• Plan Identification
• Plan Year
• Service of Legal Process
• Contribution Source
• Collective Bargaining Agreements
• Plan Documents
• Funding Medium
• Plan Assets
• Amendment Provisions
• Plan Termination, Amendment or Elimination of Benefits
• Where to Get More Information