Summary Plan Description

Overview of Regulations Relating to
Disability Pension

(For a more complete description, including rules applicable to prior periods, consult your Summary Plan Description booklet)

If you are totally and permanently disabled, you may retire with a Disability Pension if you:

• Are under age 55,
• Have earned at least 10 Pension Credits,
• Worked in Covered Employment for at least 500 hours during the current or immediately preceding calendar year in which you become totally and permanently disabled, and
• Have received a determination that you are eligible for a disability benefit from the Social Security Administration at the time your Disability Pension under this Plan begins.
• Sufficient proof of disability is required, which may include an examination by a physician or selected physicians. The determination of total and permanent disability rests in the sole and absolute judgment of the Board of Trustees.

Prior to age 45 the Disability Pension amount is $200.  Between ages 45 and 55, your Disability Pension will be the lesser of the amount you could have received as an Early Retirement Pension or $500.  At age 55 your Disability Pension will end and you will become eligible for an Early Retirement Pension (described above).