Members not receiving a pension benefit

Members NOT receiving a pension benefit

Different types of Pension

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Regular Pension. See page 6 of the Pension Booklet.

Service Pension. See page 14 of the Pension Booklet.

Early Retirement Pension. See page 15 of the Pension Booklet.

Disability Pension. See page 17 of the Pension Booklet. Important: Do not delay the filing of your application for Pension until you receive your Certificate of Award from Social Security, because that will delay the effective date of your Pension from this Plan once the Pension is granted. You should send in your application for a Disability Pension from this Plan when you apply for a Social Security Disability Benefit indicating on the Pension application that you have applied for a Social Security Disability Benefit. See pages 17 through 19 of the Pension Plan Booklet for additional information.

Special Early Pension. See page 20 of the Pension Booklet.

Pro Rata Pension. See page 21 of the Pension Booklet.

Vested Pension. See page 22 of the Pension Booklet.

Summary Plan Description - Pension Plan Booklet

Dated July 1, 2004. It is important to remember when reading and interpreting the Plan that if the facts and circumstances of a particular situation occurred prior to July 1, 2004, the provisions of the plan in effect at the relevant date may be applied. Those provisions may be different from the Plan presently in effect and contained in the booklet.

This booklet is merely a summary of the Rules and Regulations of the Pension Plan. Your benefit will be determined under the pension Plan document itself, as amended by the Board of Trustees from time to time

See IMPORTANT information regarding "Reduction in Future Pension Benefit Accruals, and Change in Reduction Factor for Early Retirement Pensions".

Death Benefits

What benefits does the Plan provide Participants who die before retirement? See page 35 through 36 of the Pension Booklet.

Do you need to notify us on the death of a Participant or Dependent?

We must be notified of a Participant, Spouse or Dependent. Please call our office at 800-947-4338.

Miscellaneous Pension Activity

-What is work in Non-covered Sheet Metal Service?

See page 50 through 51 of the Pension Booklet.

How many hours are required to earn Pension Credit?

Please see chart below.

Hours Required from Contribution date to January 1981	Hours Required Between 1981 and 1985	Hours Required between 1986 and 1991	Hours Required between 1992 and 1996	Hours Required on and after January 1997	Credit
Less than 375	Less than 600	Less than 375	Less than 300	Less than 300	None
375-562	600-899	375-562	300-599	300-649	One Qtr
563-937	900-1,199	563-937	600-899	650-999	Two Qtrs
938-1,499	1,200-1,499	938-1,499	900-1199	1,000-1,349	Three Qtrs
1,500 or More	1,500 or More	1,500 or More	1,200 or More	1,350 or More	One Year

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	Sheet Metal Benefit Plans Administrative Corporation. © Copyright 2010. All Rights Reserved
The information contained on this website is intended to provide only highlights of the benefits available under the Sheet Metal Workers Trust Funds' plans and plans of benefits. Complete details about the plans are contained in the governing plan documents. In the event of any inconsistency between the information on this website and the official plan documents, the terms of the plan documents, as interpreted by the plan's Board of Trustees in its sole and absolute discretion, will control. The respective Boards of Trustees of the plans reserve the right to amend, modify, or terminate all or part of the plans at any time, subject to applicable law.