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ABC-NABET RETIREMENT TRUST PLAN - Contents

• To All Participants
• Introduction
• Eligibility
• The Retirement Payments, In Brief
  • Normal Retirement
  • Postponed Retirement
  • Early Retirement
  • Disability Retirement
  • Deferred Retirement
  • 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?
• Break In Service
  • Can Credited Service For Retirement Payments Be Lost Or Cancelled?
• 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 Benefit
  • 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
• 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?
• Suspension Of Benefits Upon Reemployment 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
• 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