Summary Plan Description

Below is the electronic version of the Summary Plan Description (SPD), formatted for easier reading on computers and mobile devices. You can find the Table of Contents below if you would like to navigate to a particular section.

You can view/download the PDF version of this document by clicking the button in this section. Note that the PDF reflects the printed version published in 2020, while the online version may include subsequent benefit changes after that date.

Download a PDF of the SPD

Table of Contents

• Introduction
• Funding Improvement Plan
• Pension Plan Highlights
• Beginning Work
• Leaving Work
• Getting Married or Divorced
• Preparing for Retirement
• Receiving a Pension
• Choosing a Payment Option
• Returning to Work
• In the Event of Death
• Administrative Information
• Definitions
• Table 1: Early Retirement Pension Reduction Factors for Benefits Accrued on or Before May 31, 2018
• Table 1A: Early Retirement Pension Reduction Factors for Benefits Accrued on or After June 1, 2018
• Table 2: Deferred Pension Early Retirement Reduction Factors
• Table 3: Actuarial Equivalent Reduction Factors for Pension Before Suspension of Benefits