Pension Plan

I.B.E.W. LOCAL 246 PENSION PLAN

SUMMARY PLAN DESCRIPTION*

* Effective June 1, 2017, unless otherwise noted.

I.B.E.W. LOCAL 246 PENSION PLAN

BOARD OF TRUSTEES

Union Trustees Employer Trustees
John Fenske George Cattrell
Dave Pietro Anthony Shreve
Frank Redmond Robert E. Wickham

PLAN OFFICE
Ronald Komorowski
626 North Fourth Street
Steubenville, Ohio 43952
(740) 282-1251
PLAN ACTUARY
Cowden Associates, Inc.
Four Gateway Center, Suite 605
444 Liberty Ave.
Pittsburgh, Pennsylvania 15222
(888) 889-9432
PLAN COUNSEL
Timothy P. Piatt, Esq.
Macala & Piatt, LLC
601 S. Main St.
North Canton, Ohio 44720
(330) 493-1570

SPECIAL NOTICE!
It is extremely important that you keep the Plan Office informed of any change in address
and marital status. This is your obligation and failure to fulfill this obligation could
jeopardize your eligibility for benefits.
The importance of having a current and correct address on file as well as any update on your
marital status cannot be overstated! It is the ONLY way the Trustees can keep in touch with
you regarding Plan changes and other developments affecting your interests under the Plan.

I.B.E.W. LOCAL 246 PENSION PLAN

TABLE OF CONTENTS

TRUSTEE LETTER………………………………………………………………………………………………………… i
INTRODUCTION ………………………………………………………………………………………………………….. ii
DEFINITIONS……………………………………………………………………………………………………………….. 1
ELIGIBILITY FOR PARTICIPATION IN THE PENSION PLAN…………………………………….. 11
CREDITING OF SERVICE …………………………………………………………………………………………… 12
NORMAL RETIREMENT BENEFITS …………………………………………………………………………… 13
EARLY RETIREMENT BENEFITS ………………………………………………………………………………. 14
TOTAL AND PERMANENT DISABILITY BENEFITS ………………………………………………….. 16
FORMS OF BENEFIT ………………………………………………………………………………………………….. 17
DEATH BENEFITS ……………………………………………………………………………………………………… 19
SUSPENSION OF BENEFITS UPON RE-EMPLOYMENT …………………………………………….. 20
MISCELLANEOUS INFORMATION ……………………………………………………………………………. 21
PLAN AMENDMENTS AND/OR TERMINATION………………………………………………………… 22
HOW TO APPLY FOR BENEFITS/CLAIMS APPEAL PROCEDURE …………………………….. 23
STATEMENT OF RIGHTS UNDER ERISA…………………………………………………………………… 28
ADDITIONAL INFORMATION REQUIRED BY ERISA ……………………………………………….. 30

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TRUSTEE LETTER

Dear Participants:
We are pleased to distribute this Summary Plan Description (“SPD”) detailing the benefits under
your Pension Plan.
This SPD summarizes the eligibility rules for participation in the Plan, the benefits provided to
those who are eligible, and the procedures that must be followed when applying for a benefit.
Also included is important information concerning the administration of the Plan and your rights
as a Participant.
A number of changes have occurred in this Plan since the last SPD was distributed. You should
READ THIS SPD CAREFULLY so that you are up to date on any benefit that may be provided
to you by this Plan.
From time to time, other changes and improvements in the Plan will be made. Of course, we will
keep you fully informed about such developments.
This is your SPD describing your Plan. Make sure you read it from cover to cover. Then put it in
a safe place for future reference. As changes occur in the Plan, insert sheets will be mailed to
Participants with instructions pertaining to the pages to be deleted and those to be inserted. If at
any time you have questions about your Pension Plan, please do not hesitate to call or write the
Office of the Administrative Manager for assistance.
Respectfully yours,

THE BOARD OF TRUSTEES

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INTRODUCTION

This SPD contains information regarding many important provisions of your Pension Plan,
including definitions, requirements for eligibility, various benefits provided by the Plan, and
examples outlining how the various benefits are calculated. You cannot be urged too strongly to
review this SPD both now and when you begin considering your retirement.
Briefly, we would like to call your attention to the definitions section. These definitions explain
in detail and the meaning of each of the terms used further in this SPD. Therefore, it is of utmost
importance that you read and understand each of these definitions before reviewing the various
benefits provided by the Plan as well as before you consider making an application for retirement.
Once you have read and understood each of the definitions, you will be able to understand more
completely each of the benefits to which you may be entitled under the Plan. For example, the
definitions provide you with the information as to whether or not you have acquired sufficient
service as of any given date to be eligible for a specific benefit as well as an explanation of your
non-forfeitable rights to an earned retirement benefit at such time as you may become a Vested
Participant. It is extremely important that you review these definitions in detail before further
reviewing the remaining sections of the SPD.
Please note that the receipt of this SPD does not mean that you are eligible for benefits.
Your eligibility will be determined by the Rules of Eligibility as provided in the SPD and the Plan
Document. If you should have any questions concerning your eligibility or the benefits provided
by the Plan, please contact the Administrative Manager’s Office.
It should also be noted that this SPD represents a summary of the provisions of the Plan which are
stated in entirety in the Plan Document. Every effort has been made to avoid any conflict between
the text of this SPD and the Plan Document. However, if there is a conflict, then the terms of the
Plan Document control.

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DEFINITIONS

1. Accrued Benefit: Accrued Benefit means a monthly benefit beginning at Normal
Retirement Age that has been earned by a Participant according to the benefit formula which is
described in the Normal Retirement Benefit section of this SPD.
2. Actuarial Equivalent or Actuarial Value: Actuarial Equivalent or Actuarial Value
(Equivalent) means the actuarial present value of a given amount or series of amounts.
3. Alternate Payee: Alternate Payee means a Participant’s Spouse, former Spouse, child, or
other dependent who is recognized by a Qualified Domestic Relations Order as having a right to
receive all or a portion of the Participant’s benefits under the Plan.
4. Association: Association means the Steubenville Division of the North Central Ohio
Chapter of the National Electrical Contractors Association.
5. Beneficiary. For purpose of any pre-retirement death benefit, Beneficiary means a legal
Spouse. However, if there is no Spouse or if the Participant’s Spouse dies before him or her, then
the Beneficiary will be the Participant’s estate. For purposes of any post-retirement benefit, a
Beneficiary shall be the Participant’s Spouse pursuant to a Qualified Joint and 50% Survivor
Annuity Benefit. If there is no Spouse, if the Spouse has waived his or her rights to a Qualified
Joint and 50% Survivor Annuity Benefit, or the Spouse dies before the Participant, then the
Beneficiary shall be the Participant’s estate. In the case of any Ten-Year Certain Benefit, the
Beneficiary shall be the Participant’s Spouse unless the Participant has no Spouse or the Spouse
dies before the Participant, in which case the Beneficiary shall be the Participant’s estate.
6. Break In Service:
(A) Prior to June 1, 1976, Break in Service means the loss of Service for vesting and
benefit accrual purposes based on the provisions of the Plan document in effect at
that particular time. After June 1, 1976, the term “Break In Service” means the
failure to complete more than four hundred thirty-five (435) hours of service during
a Plan Year.
(B) It shall not be considered a Break In Service if a Participant is unable to maintain a
Year of Vesting Service because of an accident, illness, or Military Service, and if
the Participant files for a waiver on a form approved by the Trustees.
(C) A Participant who has an absence from work with an Employer due to:
(1) the Participant’s pregnancy,
(2) the birth of Participant’s child,
(3) the placement of a child with the Participant in connection with the adoption
of such child by the Participant (including placement with the Participant
for a trial period prior to adoption), or

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(4) caring for such child for a period beginning immediately following such
birth or placement,
shall be credited with Hours of Service so long as the Participant furnishes to the
Trustees such timely information as the Trustees may reasonably require to
establish that the absence from work is for one of the reasons cited above and to
establish the number of days for which there was such an absence. The Hours of
Service shall be credited only to the Plan Year in which the period of absence begins
if there would otherwise be a one-year Break in Service in such Plan Year. In any
other case, the Hours of Service shall be credited to the next following Plan Year.
If the number of such hours cannot be determined, then eight (8) hours shall be
credited per day of such absence. In no event, however, shall more than 501 Hours
of Service be credited for such period of absence. Hours of Service shall be credited
solely for purposes of preventing the occurrence of a Break In Service.
(D) For the sole purpose of determining whether a break in service has occurred, a
Participant shall be credited with Hours of Service for each hour for which an
Employee is absent from work due to Military Service. If such number of Hours
of Service cannot be determined, then eight (8) Hours of Service per day of absence
shall be credited. In no event, however, shall the number of Hours of Service
credited exceed the minimum number of Hours of Service needed to prevent the
occurrence of a Break in Service in the Plan Year in which the absence begins.
7. Computation Period for Eligibility to Participate: The Computation Period for Eligibility
to Participate means the twelve (12) month period beginning June 1 and ending May 31.
8. Contiguous Non-Covered Service: Contiguous Non-Covered Service means Non-Covered
employment by a Participant which immediately precedes or follows covered employment
provided, however, that no quit, discharge, or retirement occurs between the Covered employment
and the Non-Covered employment.
9. Covered Employment: Covered Employment means a classification of employment,
defined in the Collective Bargaining Agreement or other written agreement, requiring
contributions by the Employer to fund the Plan. Covered Employment shall also apply to any
employment of individuals by the Union.
10. Covered Service or Credited Service: Covered Service or Credited Service means Service
for which an Employer subject to the Plan makes payments into the Pension Plan on behalf of an
Employee pursuant to a collective bargaining agreement or other written agreement or for
employment of individuals by the Union.
11. Domestic Relations Order: Domestic Relations Order means any judgment, decree, or
order, including approval of a property settlement agreement, that 1) relates to the provision of
child support, alimony payments, or marital property rights to a Spouse, former Spouse, child, or
other dependent of a Participant or former Participant, and 2) is made pursuant to a state domestic
relations law (including a community property law).

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12. Early Retirement Date: Early Retirement Date means the first day of any month prior to
the Normal Retirement Date in which a Participant becomes fifty-five (55) years old and has at
least ten (10) Years of Credited Service.
13. Employee: Employee means an individual working for an Employer who is required to
make payments to the Pension Plan pursuant to a collective bargaining agreement or other written
agreement with the Union or is employed by the Union.
14. Employer: Employer means:
(A) Any individual, firm, association, partnership, or corporation which is a member of
the Association (or is represented in collective bargaining by the Association), is
bound by the Collective Bargaining Agreement, and agrees to make contributions
to fund the Plan in accordance with that agreement;
(B) Any individual, firm, association, partnership, or corporation which is not a
member of nor represented in collective bargaining by the Association but which
has executed or is otherwise bound by the Collective Bargaining Agreement and
agrees to make contributions to fund the Plan in accordance with that agreement;
(C) The Union, solely to the extent that it acts in the capacity of an Employer of its
Employees on whose behalf it makes contributions to fund the Plan in accordance
with the Collective Bargaining Agreement or otherwise written agreement; or
(D) The Board of Trustees of the Plan, or the Trustees of any related Employee benefit
plan created as a result of collective bargaining with the National Electrical
Contractors Association, North Central Ohio Chapter, Steubenville Division, to the
extent that they act in the capacity of an employer of their Employees on whose
behalf contributions are made to fund the Plan in accordance with the Collective
Bargaining Agreement or other written agreement.

15. Forfeited Service: Forfeited Service means:
(A) For the period June 1, 1976 – May 31, 1985, the loss of all of the Years of Vesting
Service by a Participant or Former Participant because that person incurs
consecutive Breaks in Service which equal or exceed the number of Years of
Vesting Service earned before the initial Break In Service.
(B) For the period on or after June 1, 1985, Forfeited Service means the loss of Years
of Vesting Service by a Participant or Former Participant because that person incurs
consecutive Breaks In Service which equal or exceed the greater of:
(1) The number of Years of Vesting Service earned before the initial Break In
Service; or
(2) Five (5) years.

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However, a Participant or Former Participant who has at least ten (10) Years of Vesting
Service completed prior to June 1, 1998 or who has completed at least one (1) Hour of
Service on or after June 1, 1998 and has at least five (5) Years of Vesting Service cannot
incur a Forfeiture of Service.
Prior to June 1, 1976, Service shall be lost in accordance with the provisions of the Plan in
effect at that particular time. No Plan benefits shall be based on the Participant’s hours
worked for which Years of Service were credited that later become Forfeited Service.
16. Former Participant: Former Participant means a Person whose participation has ceased but
who has not incurred a Forfeiture of Service, or a person (other than a Beneficiary) who is receiving
a benefit from the Plan.
17. Future Service: Future Service means the Participant’s Years of Service subsequent to the
later of May 1, 1967 or the date the Employee becomes a Participant.
18. Hour of Service. Hour of Service means
(A) Each hour for which a Participant is paid or entitled to payment for the performance
of duties for the Employer during the applicable computation period.
(B) Each hour for which a Participant is paid or entitled to payment by the Employer
on account of a period of time during which no duties are performed (irrespective
of whether the employment relationship has terminated) due to vacation, holiday,
illness, incapacity (including disability), layoff, jury duty, military duty, or leave of
absence. But,
(1) No more than five hundred one (501) Hours of Service are required to be
credited to a Participant on account of any single continuous period which
the Participant performs no duties whether or not such period occurs in a
single computation period;
(2) An hour for which a Participant is directly or indirectly paid or entitled to
payment on account of a period during which no duties are performed is not
required to be credited to the Participant if that payment is made or due
under the Plan maintained solely for the purpose of complying with
applicable workmen’s compensation or unemployment compensation or
disability insurance laws; and
(3) Hours of Service are not required to be credited for a payment which solely
reimburses a Participant for medical or medically related expenses incurred
by the Participant. Otherwise, a payment shall be deemed to be made by or
due from an Employer regardless of whether such payment is made by or
due from the Employer directly or indirectly through among others, a trust
fund or insurer to which the Employer contributes or pays premiums and
regardless of whether contributions made or due to the trust fund, insurer,
or other entity are for the benefit of particular Employees or are on behalf
of a group of Employees in the aggregate.

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(C) An Hour of Service is also each hour for which back pay is either awarded or agreed
to by the Employer. The same Hours of Service shall not be credited both under
paragraph (B)(1) or paragraph (B)(2), as the case may be, and under this paragraph
(C). Thus, for example, a Participant who receives a back pay award following a
determination that he or she was paid at an unlawful rate for Hours of Service
previously credited will not be entitled to additional credit for the same Hours of
Service. No more than 501 Hours of Service are required to be credited for
payments of back pay to the extent that such back pay is agreed to or awarded for
a period of time during which the Participant did not or would not have performed
duties.
(D) Effective December 12, 1994, an Hour of Service is each hour for which an
Employee is absent from work due to military service in the armed forces of the
United States for the sole purpose of determining whether a Break in Service has
occurred. Hours of Service shall be credited only to the extent they would have
been credited but for the absence. If such number of Hours of Service cannot be
determined, then those hours shall be credited at the rate of eight (8) Hours of
Service per day of absence. In no event, however, shall those Hours of Service
credited exceed the minimum number of Hours of Service needed to prevent the
occurrence of a Break in Service in the Plan Year the absence begins. Further, none
of these Hours of Service shall be credited unless the Participant was in the active
service of an Employer prior to the absence due to military service, the absence did
not exceed the minimum requirements of the Uniformed Services and
Reemployment Rights Act of 1994 and any related regulations, and the Employee
fulfills the notice requirements set forth in Paragraph Twenty (20).
There shall be no duplication of crediting Hours of Service.
19. Jurisdiction of the Plan: Jurisdiction of the Plan means the industry, trade, or craft in the
geographic area over which the I.B.E.W. Local 246 has jurisdiction.
20. Military Service: Military Service means any absence from work by reason of active duty
in the armed forces of the United States. A Participant shall be given credit for benefit accrual,
hours of service, participation, vesting, and years of vesting service for time periods in which he
or she was absent from work due to Military Service, subject to certain restrictions. For more
information, see www.dol.gov/vets.
(A) Contributions shall be made for the above leave of absence by each Employer
participating in the Plan on a pro-rata basis. The percentage of each participating
Employer’s contribution shall be equal to the amount of contributions made to the
Plan by such Employer during the preceding Plan Year divided by the total amount
of contributions made to the Plan by all participating Employers during the
preceding Plan Year. The amount of credited service and contributions for
qualified military service shall be prorated based upon the average hours worked
by said Participant, for which contributions are paid to the Plan, over a thirty-six
(36) month period immediately preceding the qualified military service period for
which credit is being sought and is approved. The Participant or his/her Beneficiary

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shall be responsible for providing the Plan proof of hours worked during the above
thirty-six (36) month period.
(B) In order for an Employee to receive continuing benefits as outlined above, upon the
completion of a period of service in the uniformed services, the Employee shall
notify the respective employer with advance written or verbal notice of such service
and of the Employee’s intent to return to a position of employment with such
Employer as follows:
(1) In the case of a person whose period of service in the uniformed services
was less than thirty-one (31) days, by reporting to the Employer –
(a) not later than the beginning of the first full regularly scheduled work
period on the first full calendar day following the completion of the
period of service and the expiration of eight (8) hours after a period
allowing for the safe transportation of the Employee from the place
of that service to the Employee’s residence; or
(b) as soon as possible after the expiration of the eight (8) hour period
referred to in clause (a), if reporting within the period referred to in
such clause is impossible or unreasonable through no fault of the
person.

(2) In the case of an Employee who is absent from a position of employment
for a period of any length for the purposes of an examination to determine
the Employee’s fitness to perform service in the uniformed services, by
reporting in the manner and time referred to in subparagraph (B)(1) above.
(3) In the case of an Employee whose period of service in the uniformed

services was for more than thirty (30) days but less than one hundred eighty-
one (181) days, by submitting an application for reemployment with the

Employer not later than fourteen (14) days after the completion of the period
of service or if submitting such application within such period is impossible
or unreasonable through no fault of the Employee, the next first full calendar
day when submission of such application becomes possible.
(4) In the case of an Employee whose period of service in the uniformed
services was for more than one hundred eighty (180) days, by submitting an
application for reemployment with the Employer not later than ninety (90)
days after the completion of the period of service.

(C) Furthermore, in order to restore the above pension rights, the Employee must notify
the Plan Office in writing, within sixty (60) days of his or her discharge, of his or
her intent to return to work.
(D) Upon an Employee’s honorable discharge from military service the Employee’s
eligibility status under the Plan will be restored to the status that existed when he
entered military service, provided the Employee fulfills the notice and

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documentation requirements outlined above. In addition to said notice, the
Employee shall also supply the Plan Office with copies of his or her discharge
papers showing the date of his or her induction or enlistment in military service and
the date of his or her discharge. Failure on the part of the Employee to file such
documentation with the Plan Office and/or provide the above notice may be deemed
an indication that the Employee does not wish to restore his or her eligibility status
under the Plan.
(E) An Employee who is hospitalized for, or convalescing from, an illness or injury
incurred in, or aggravated during, the performance of service in the uniformed
services shall, at the end of the period that is necessary for the person to recover
from such illness or injury, report to the Employer or submit an application for
reemployment with such Employer. Such period of recovery may not exceed two
years. However, such two (2) year period shall be extended by the minimum time
period to accommodate the circumstances beyond such Employee’s control which
make reporting within the period specified in subparagraph (B)(4) impossible or
unreasonable.

21. Non-Covered Service: Non-Covered Service means employment for which contributions
by an Employer are not required by either the terms of the Collective Bargaining Agreement or
the terms of any other written agreement which allows participation by non-bargaining unit
Employees.
22. Normal Retirement Age:
(A) For Participants who are in or have been in the Plan at any time prior to June 1,
2011, Normal Retirement Age means the earlier of:
(1) age sixty-five (65) and completion of ten (10) Years of Vesting Service
prior to June 1, 1998 or completion of at least one (1) Hour of Service on or
after June 1, 1998 and at least five (5) Years of Vesting Service; or
(2) age sixty (60) and completion of twenty-five (25) Years of Vesting Service;
(3) age fifty-five (55) and completion of thirty (30) Years of Vesting Service;
or
(4) the later of:
(a) age sixty-five (65), or
(b) the fifth anniversary of the time the Participant first commenced
participation in the Plan.

(B) For persons who first enter the Plan on or after June 1, 2011, the Normal Retirement
Age means the earlier of:

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(1) age sixty-five (65) and completion of ten (10) Years of Vesting Service
prior to June 1, 1998 or completion of at least one (1) Hour of Service on or
after June 1, 1998 and at least five (5) Years of Vesting Service; or
(2) the later of (1) age 65, or (2) the fifth anniversary of the time the Participant
first commenced participation in the Plan.

(C) Participation before a Forfeiture of Service shall not be counted towards the
Participant’s attainment of Normal Retirement Age.

23. Normal Retirement Date: Normal Retirement Date means the first day of the month
coincident with or immediately following the Normal Retirement Age.
24. Participant: Participant means an Employee who has satisfied the Plan’s eligibility
requirements and has not ceased participation.
25. Past Credited Service: Past Credited Service means the Participant’s Years of Service, up
to ten (10) years, for employment between May 1, 1957 and April 30, 1967 while the Participant
was a member of the Union. Past Credited Service shall not apply to Years of Vesting Service.
26. Plan Year: Plan Year means each twelve-month period beginning June 1 and ending the
following May 31.
27. Qualified Domestic Relations Order:
(A) Qualified Domestic Relations Order is a Domestic Relations Order which creates
or recognizes the existence of an Alternate Payee’s right to or assigns to an
Alternate Payee the right to receive all or a portion of the benefits payable with
respect to a Participant under the Plan which clearly specifies:
(1) The name and the last known mailing address of the Participant or Former
Participant and the name and mailing address of each Alternate Payee
covered by the Order;
(2) The amount or percentage of the Participant’s or Former Participant’s
benefits to be paid by the Plan to each such Alternate Payee and the manner
in which such amount or percentage is to be determined;
(3) The number of payments or period to which such Order applies; and
(4) Each Plan to which such Order applies.
(B) In addition, a Domestic Relations Order will be considered a Qualified Domestic
Relations Order only if such Order:
(1) Does not require the Plan to provide any type or form of benefit, or any
option, not otherwise provided under the Plan;

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(2) Does not require the Plan to provide increased benefits (determined on the
basis of Actuarial Value) and;
(3) Does not require the payment of benefits to an Alternate Payee that are
required to be paid to another Alternate Payee under another Domestic
Relations Order previously determined to be a Qualified Domestic
Relations Order.

(C) A copy of the Plan’s Qualified Domestic Relations Procedure is available upon
written request to the Plan’s Administrative Manager.

28. Qualified Joint and Survivor Annuity: Qualified Joint and Survivor Annuity means a form
of benefit which provides monthly payments to the Former Participant for life, and then monthly
payments for life to the Spouse to whom the Former Participant had been married for one full year
prior to the date of retirement. Providing that the Spouse has survived the Former Participant, the
Spouse’s benefit shall be in an amount equal to a percentage of the amount of the annuity which is
payable during the joint lives of the Participant and the Spouse and which is the actuarial equivalent
of the normal form of benefit, or if greater, any optional form of benefits.
29. Reciprocity:
(A) If a Participant is working in a jurisdiction other than that of his or her home local,
he or she may be able to authorize the transfer of his or her hourly contributions to
this Plan under the Electrical Industry Reciprocal Agreement. In order to do this,
the Participant must complete a Reciprocity Authorization form and all appropriate
paperwork through the I.B.E.W. Electronic Reciprocity Transfer System (“ERTS”)
at the time he or she is referred for employment. The number of hours of credit he
or she will receive is based on the Plan’s current hourly contribution rate.
(B) A reciprocity hour is the hour received from a reciprocating pension plan under a
signed reciprocity agreement. One (1) full hour in the Plan shall be credited to the
Participant for each reciprocal hour worked, retroactive to January 1, 1980.
30. Spouse: Spouse means the spouse or surviving spouse of the Participant.
31. Summary Plan Description: Summary Plan Description or SPD is the document which
summarizes the rules and provisions for benefits which are stated in their entirety in the Plan
Document.
32. Union: Union or Local Union means The International Brotherhood of Electrical Workers
Local 246 or the I.B.E.W. Local 246.
33. Vested Participant: Vested Participant means a Participant who has ten (10) or more Years
of Vesting Service prior to June 1, 1998 or a Participant who has completed at least one (1) Hour
of Service on or after June 1, 1998 and has at least five (5) Years of Vesting Service. A Vested
Employee shall not forfeit his or her Years of Service.

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34. Year of Vesting Service: Year of Vesting Service or Year of Service means Covered
Service or Credited Service:
(A) For Service prior to June 1, 1976, the number of credits which the Participant had
earned under the terms of the Plan in effect on May 31, 1976 for vesting purposes.
(B) For Service after June 1, 1976 and prior to June 1, 1986, a Vesting Computation
Period during which an Employee or Participant completed at least four hundred
thirty-five (435) Hours of Service with an Employer, a Participant will be granted
one (1) Year of Vesting Service for the Plan in which participation begins,
regardless of the number of Hours of Service in excess of four hundred thirty-five
(435) completed during such Plan Year; and
(C) For Service after June 1, 1986 and prior to June 1, 1989, a Vesting Computation
Period during which the Employee or Participant completed at least eight hundred
seventy (870) Hours of Service with an Employer, a Participant will be granted one
(1) Year of Vesting Service for the Plan Year in which participation begins,
regardless of the number of Hours of Service in excess of eight hundred seventy
(870) completed during such Plan Year, and
(D) For Service after June 1, 1989, a Vesting Computation Period during which the
Employee or Participant completed at least four hundred thirty-five (435) Hours of
Service with an Employer, a Participant will be granted one (1) Year of Vesting
Service for the Plan Year in which participation begins, regardless of the number
of Hours of Service in excess of four hundred thirty-five (435) completed during
such Plan Year; and
(E) Service in the armed forces of the United States to the extent required by applicable
law and as described in this SPD; and
(F) For purposes of determining Years of Vesting Service, only Hours of Service with
an Employer in covered employment, in contiguous non-covered employment
(Contiguous Non-Covered Service), and Reciprocity Hours shall be taken into
account.
(G) One (1) Year of Vesting Service for each year employed, up to a maximum of ten
(10) Years of Service, shall be granted to a Participant who is now a member of
I.B.E.W. Local 246, but previously was a member of I.B.E.W. Local 93, prior to
the merger of I.B.E.W. Local 93 with I.B.E.W. Local 246.
(1) Effective December 1, 2000, new Participants who are Employees of a
contractor who becomes signatory to a Collective Bargaining Agreement
with the Union shall be credited with up to five (5) Years of Vesting Service,
as provided in subsection (2) below.
(2) One Year of Vesting Service will be awarded for each calendar of
continuous employment with the new signatory employer or its legal
successor, up to a maximum of five (5) years. Employees with less than

I.B.E.W. LOCAL 246 PENSION PLAN

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five (5) years of prior continuous employment with the new signatory
Employer shall be credited with the number of years previously worked

with the Employer, provided the Employee has worked four hundred thirty-
five (435) hours in each such year. However, to be eligible for Vesting

Service under this Section, the Employer, or its legal successor, must remain
a covered employer and the Participant must complete at least five (5) Years
of Vesting Service as a Participant in this Plan. Vesting Service that is
credited for prior continuous employment with a new signatory Employer
shall be for vesting purposes only and shall not constitute Past Credited
Service. These shall be deemed Years of Vesting Service.
ELIGIBILITY FOR PARTICIPATION IN THE PENSION PLAN
You will become a Participant on the beginning of the Plan Year following completion of
at least four hundred thirty-five (435) Hours of Service, provided you were working in Covered
Employment either at the time participation would otherwise commence or December 1,
whichever is earlier. For example, if you become an Employee on May 1, 2016 and reach a total
of four hundred thirty-five (435) hours worked on October 1, 2016, you will become a Participant
in the I.B.E.W. Local 246 Pension Plan on December 1, 2016 (since December 1, 2016 is earlier
than June 1, 2017).
Upon becoming a Participant, eligibility for continued participation will be measured by
Service within a Plan Year (each June 1 – May 31).
If you suffer Forfeited Service and then return to the status of an Employee, you will be
required to meet the requirements described above before you can become a Participant again.
Participation in the Plan ceases upon the earlier of the following:
(A) Death, retirement, or disability (as defined by the Plan); or
(B) A Break In Service.
A person whose participation ceases may become a Former Participant. The computation
period used for measuring eligibility service will also be used to measure Breaks In Service in
accordance with Department of Labor Regulations.
If you satisfy the participation requirements, terminate employment with an Employer, and
are later reemployed by an Employer, you will become a Participant when reemployed unless you
are not then working in Covered Employment or have already incurred a Forfeiture of Service. If
you incurred a Forfeiture of Service before being reemployed, you shall be treated as a new hire.
If you transfer from Contiguous Non-Covered Employment with an Employer to Covered
Employment, Hours of Service in such Contiguous Non-Covered Employment will be taken into
account to determine if you have met the participation requirements.
No person who is self-employed shall participate in the Plan unless that participation relates
to a period of time during which that person was not self-employed.

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CREDITING OF SERVICE

Service shall be equal to the number of Years of Past Service plus the number of Years of
Future Service and shall be used for participation, vesting, and determination of eligibility for
benefits.
Past Service:
(A) For Service during the period from May 1, 1957 through April 30, 1967, a
Participant will receive credit for each Year of Service during which he or she was
employed within the jurisdiction of the I.B.E.W. Local 246.
Future Service:
(A) For service during the period from May 1, 1967, through May 31, 1976, a
Participant will receive credit for each year during which contribution credits were
received on the records of the Plan on his or her behalf.
(B) From June 1, 1976 to May 31, 1986, a Participant will earn subsequent Years of
Service for each Plan Year during which he or she reaches a total of four hundred
thirty-five (435) hours worked.
(C) From June 1, 1986 to May 31, 1989, a Participant will earn subsequent Years of
Service for each Plan Year during which he or she works at least a total of eight
hundred seventy (870) hours.
(D) On and after June 1, 1989, a Participant will earn subsequent Years of Service for

each Plan Year during which he or she works at least a total of four hundred thirty-
five (435) hours.

Breaks In Service – Forfeiture of Service:
Prior to June 1, 1985, if you had consecutive years of Breaks In Service where the number
of Breaks In Service equals or exceeds the total years of service, any service prior to the Breaks In
Service will be forfeited. After June 1, 1985, service will be forfeited when consecutive Breaks
In Service are incurred which equal or exceed the greater of (a) the number of Years of Vesting
Service earned before the initial Break In Service, or (b) five (5) Years of Service. Once you are
a Vested Participant, however, you cannot forfeit Service under this Plan.
For purposes of determining a Year of Service, all Covered Service with an Employer and
all Contiguous Non-Covered Service with Employers maintaining the Plan will be taken into
account. However, you must notify the Administrative Manager within ninety (90) days after your
participation date or the Plan Year, whichever is later, of hours worked in Non-Covered Service.

If you fail to notify the Administrative Manager within this time period, your Contiguous Non-
Covered Service will not be credited to the Plan.

Total Service will not include any years of Breaks in Service.

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NORMAL RETIREMENT BENEFITS

Eligibility
You will be eligible to apply for a Normal Retirement Benefit if you have reached Normal
Retirement Age and have retired from employment in the electrical industry within the Jurisdiction
of the Plan. Participation before a Forfeiture of Service shall not be counted towards your
attainment of Normal Retirement Age.
Amount of Benefit
If you are vested and retire on or after your Normal Retirement Date, you are entitled to a
lifetime monthly retirement benefit equal to the sum of the following:
(A) $2.75 multiplied by each year of Past Credited Service, up to a maximum of ten
(10) Years Past Credited Service; plus
(1) 4.0% of the credited employer contributions made on your behalf before
June 1, 2005; and
(2) 3.0% of the credited employer contributions made on your behalf on or after
June 1, 2005.

The credited employer contribution is the amount of the employer’s contribution that is actually
credited to your account and on which you accrue your benefit. The remainder of the employer’s
contribution is placed in the Plan’s general reserve. You do not accrued benefits on the amount
that is placed in the Plan’s general reserve.
To illustrate this calculation, take the following example. Participant Sam has no Past Credited
service because he did not have contributions prior to 1967. Sam’s employer made credited
contributions totaling $108,273.26 prior to June 1, 2005. On or after June 1, 2005, Sam’s employer
made credited contributions of $35,005.24. Sam’s Normal Retirement Benefit would be calculated
as follows:

(A) (B) (C) (B) x (C)
Year Amount of Credited Employer
Contribution

Accrual
Rate

Accrued Monthly
Benefit
Prior to 6/1/2005 $108,273.26 4% $4,330.93
On or After 6/1/2005 $35,005.24 3% $1,050.16
Total Monthly Normal Retirement Benefit $5,381.09

Form of Benefit
If you are married when you retire, your benefit will be paid as a Qualified Joint and 50%
Survivor Annuity. If you and your Spouse consent in writing, you can choose a different benefit
type.

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14

If you are not married when you retire, your benefit will be paid as a Life Annuity unless
you choose a different type of benefit.
The form of benefit you choose will affect the monthly benefit amount. For example, if
Sam from the example above chose a Qualified Joint and 50% Survivor Annuity, he would not
receive $5,381.09. That amount would be actuarially reduced to account for the survivor benefit.
See the “Forms of Benefit” section in this SPD for a further explanation.
Commencement of Normal Retirement Benefit
You are entitled to receive a Normal Retirement Benefit on the first day of the month
following the receipt of an application. You will continue to receive a benefit monthly until the
first day of the calendar month of your death.

EARLY RETIREMENT BENEFITS

Eligibility
You will be eligible to apply for an Early Retirement Benefit if you have reached Early
Retirement Age and have retired from employment in the electrical industry within the Jurisdiction
of the Plan.
Amount of Benefit
The Early Retirement Benefit will be calculated the same as the Normal Retirement Benefit
but reduced three percent (3%) per year for each year that your benefit commencement date
precedes Normal Retirement Age. This shall also be used to calculate benefits for Beneficiaries
in pay status.
However, if you first entered the Plan before June 1, 2011, the Early Retirement Benefit
will not be reduced if you are age fifty-five (55) and have thirty (30) Years of Vesting Service or
if you are age sixty (60) and have twenty-five (25) Years of Vesting Service.

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To illustrate this calculation, assume the same facts on Participant Sam described in the
Normal Retirement Benefits section above. However, when Sam retires, he is age 55 and only has
20 Years of Vesting Service. So, his benefit will be reduced as follows:

(A) (B) (C) (B) x (C)
Year Amount of Credited Employer
Contribution

Accrual
Rate

Accrued Monthly
Benefit
Prior to 6/1/2005 $108,273.26 4% $4,330.93
On or After 6/1/2005 $35,005.24 3% $1,050.16
Total Monthly Normal Retirement Benefit $5,381.09
30% Reduction Factor (3% x 10 years younger than age 65) $1,614.33

Total Monthly Early Retirement Benefit
(Normal Retirement Benefit – Reduction Factor) $3,766.76

Form of Benefit
If you are married when you retire, your benefit will be paid as a Qualified Joint and 50%
Survivor Annuity. If you and your Spouse consent in writing, you can choose a different benefit
type.
If you are not married when you retire, your benefit will be paid as a Life Annuity unless
you choose a different type of benefit.
The form of benefit you choose will affect the monthly benefit amount. For example, if
Sam from the example above chose a Qualified Joint and 50% Survivor Annuity, he would not
receive $3,766.76. That amount would be actuarially reduced to account for the survivor benefit.
See the “Forms of Benefit” section in this SPD for a further explanation.
Commencement of Early Retirement Benefit
You are entitled to receive an Early Retirement Benefit on the first day of the month
following the receipt of an application. You will continue to receive a benefit monthly until the
first day of the calendar month of your death.

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TOTAL AND PERMANENT DISABILITY BENEFITS

Eligibility
You are eligible for a Total and Permanent Disability Benefit if you meet all the following
criteria:
(A) You worked in Covered Employment after December 31, 1983;
(B) You have at least ten (10) Years of Credited Service; and
(C) You are eligible to receive Social Security Disability Benefits, an I.B.E.W. National
Electrical Benefit Fund Disability Benefit, or the I.B.E.W. Pension Benefit Fund
Disability Benefit and have received a disability award from the Social Security
Administration, the I.B.E.W. National Electrical Benefit Fund, or the I.B.E.W.
Pension Fund.
You must also provide evidence of total and permanent disability to the Board of Trustees.
The disability must prevent you from engaging in any further gainful employment. If you are
applying for a Disability Benefit, you will be required to submit medical evidence as the Trustees
may require. Upon receiving the benefit, annual proof of continued total and permanent disability
may be required until age sixty-five (65).
Amount of Total and Permanent Disability Benefit
The Permanent and Total Disability Retirement Benefit shall be a monthly retirement
benefit of the lesser of the accrued Normal Retirement Benefit or Two Hundred Dollars ($200.00)
until reaching Early Retirement Age. Once you reach Early Retirement Age, you must select
whether you are going to continue the payment of the Disability Benefit or transfer your form of
payment to an Early Retirement Benefit. If you continue the Disability Benefit, then this payment

shall continue until the Normal Retirement Date. However, in no case can you change from a non-
Qualified Joint and Survivor Benefit to a Joint and Survivor Benefit when you change your benefit

to a Normal Retirement Benefit.
Commencement of Total and Permanent Disability Retirement Benefit
The Permanent and Total Disability Retirement Benefit shall be paid as of the first day of
the month following receipt of a proper application to the Board of Trustees and shall be paid
retroactive to the date the Participant is entitled to receive a Social Security Benefit.
Form of Total and Permanent Disability Retirement Benefit
The Permanent and Total Disability Retirement Benefit shall be payable in the form of a
Qualified Joint and Survivor Annuity unless you and your Spouse elect otherwise or unless no
spousal consent is required. In either of these cases, the benefit shall be paid monthly until
reaching Normal Retirement Age, at which time you may elect to receive your accrued monthly
pension benefit.

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Termination of Total and Permanent Disability Retirement Benefit
Your Total and Permanent Disability Retirement Benefit shall terminate if you recover
from your total and permanent disability or lose entitlement to a Social Security Disability Benefit,

the I.B.E.W. National Pension Benefit or the I.B.E.W. Pension Fund prior to attaining age sixty-
five (65). If this occurs, you must immediately provide written notice to the Board of Trustees.

If written notice of the loss of the entitlement is not furnished, upon your subsequent
retirement, you will not be eligible for benefits for a period of six (6) months following the date of
your retirement. This is in addition to the months which may have elapsed since you had recovered
from your total and permanent disability and during which you received a disability pension
benefit under this Plan.
Reemployment of a Total and Permanent Disability Pension Recipient
If you are found to be no longer entitled to a Disability Pension due to recovery from a
total and permanent disability, you may again return to Covered Employment and resume the
accrual of Future Credited Service. You will be entitled to a Normal, Special Normal, Early or
Vested Pension, unaffected by the prior receipt of a Disability Pension, with the exception of the
Death Benefit which may be payable in accordance with the Plan. If you then die prior to actual
retirement, the amount of Disability Pension benefits will be deducted from any Death Benefit
which may be payable.
Non-Duplication of Pension Benefits
While a person shall be entitled to only one type of pension benefit under the provisions of
this Plan, a Disability pension recipient who recovers may be entitled to a different type of pension
benefit.

FORMS OF BENEFIT

If you are unmarried when you retire, the default benefit type is a life annuity. This benefit
pays you your Accrued Benefit until you die. After your death, no further benefits are paid.
If you are married when you retire, the default benefit type is a Qualified Joint and 50%
Survivor Annuity. A Qualified Joint and 50% Survivor Annuity pays you a reduced retirement
benefit for the rest of your life and, after you die pays 50% of that amount to your Spouse for the
rest of your Spouse’s life.
You and your Spouse may waive this form of benefit. The waiver must be in writing and
must be consented to by your Spouse. The Spouse’s consent must be witnessed by a Plan
representative or a notary public. Any decision to waive is purely voluntary. You may revoke your
Spouse’s waiver at any time before benefits commence. Once benefits commence, the form of
benefit cannot be changed. If your Spouse waives the Qualified Joint and 50% Survivor Annuity
Benefit, it is possible that your Spouse will receive no benefits after you die.
The Qualified Joint and 50% Survivor Annuity can be waived during a period of no less
than thirty (30) days or more than one hundred eighty (180) days prior to the effective date of your

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benefit. Normally, you must be provided with a written explanation regarding these benefits at
least thirty (30) days prior to the beginning date of the annuity. However, you and your Spouse
may waive this requirement if any distribution begins more than seven (7) days after such written
explanation was provided.
The Administrative Manager will send you and your Spouse information regarding such
an annuity, including information on the amount of such annuity, so that you and your Spouse can
review such information and make an informed decision as to any election or waiver of benefits.
Amount of Qualified Joint and 50% Survivor Annuity Benefit
The Qualified Joint and 50% Survivor Benefit provides a reduced monthly income that is
the Actuarial Equivalent of the Normal or Early Retirement Benefit to which you are otherwise
entitled. The factors needed to determine the reduced amount of monthly income will be obtained
from a Table of Factors which has been prepared by the Plan Actuary and is based on your age
and your Spouse’s age.
The monthly Qualified Joint and 50% Survivor Benefit will continue for your lifetime with
the last payment to be made on the first day of the month of your death. Then, fifty percent (50%)
of the monthly benefit will continue to be paid to your Spouse for the remainder of your Spouse’s
life.
For example, suppose the amount of a Participant’s Early Retirement Benefit is $3,766.76,
the Participant is age 55, and the Participant’s Spouse is age 54. The Qualified Joint and 50%
Survivor Benefit would be calculated as follows:
Qualified Joint and 50% Survivor Benefit = .91206% (Factor Table)
Qualified Joint and 50% Survivor Benefit = $3,766.76 x .91206 = $3,435.51/month
(payable for retiree’s lifetime)
50% Spouse’s Benefit = $1,717.76/month (payable for the Spouse’s lifetime)
Optional Forms of Benefit
If you and your Spouse waive the Qualified Joint and 50% Survivor Annuity, you may
elect either a Joint and 75% Survivor Annuity or a Ten Year Certain Benefit.
Joint and 75% Survivor Annuity
This benefit operates in the same way as the Qualified Joint and 50% Survivor Annuity.
But instead of your Spouse receiving 50% of your benefit after you die, your Spouse receives 75%.
Due to the fact that your Spouse will be receiving more, your benefit amount will be reduced
further than the amount described in the example above.

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Ten Year Certain Option
This benefit is payable only for your life. If you die before receiving one hundred twenty
(120) payments, your Beneficiary will receive the remaining payments until a total of one hundred
twenty (120) payments have been made.

DEATH BENEFITS

Pre-Retirement Survivor Benefits
If you die before you retire but you would have been eligible to receive a Normal or Early
Retirement Benefit, your Spouse will have the automatic right to receive the Qualified Joint and
50% Survivor Benefit, just as though you had applied for the benefit the day prior to your death.
This benefit is referred to as a Qualified Pre-Retirement Survivor Benefit.
If you die prior to attaining age 55, a Qualified Pre-Retirement Survivor Benefit shall be
payable to your Surviving Spouse. The Qualified Pre-Retirement Survivor Benefit in this case
shall be payable to your Surviving Spouse for your Spouse’s remaining lifetime and shall be equal
to the benefit that would have been payable to your Spouse as if you had:
(A) separated from Service on the date of death;
(B) survived to the first day of the month following the earliest date you could have
elected to receive retirement benefits under the Plan; and
(C) retired with an immediate Qualified Joint and 50% Survivor Benefit at that time
and then had died on the next day.
Your Surviving Spouse will begin receiving a Qualified Pre-Retirement Survivor Benefit
on the first day of the month following the date on which you would have reached age 55.
In lieu of the Surviving Spouse’s Benefits described above, your Surviving Spouse may
have the option of waiving this benefit and instead receive a death benefit equal to eighty percent
(80%) of the contributions made on your behalf to the Plan, to be payable as a lump-sum benefit,
up to a maximum of five thousand dollars ($5,000.00). This lump-sum death benefit will be
payable on the first day of the month following the approval of the application. In order to receive
this form of payment, your Surviving Spouse must acknowledge the effect of waiving the Qualified
Pre-Retirement Survivor Benefit in writing, with the acknowledgement to be witnessed by a
representative of the Plan or by a notary public.
Death Benefit for Unmarried Participants or for Participants whose Spouse has Waived the
Pre-Retirement Survivor Benefit
If you:
(A) had accrued at least five (5) Years of Service;
(B) die prior to becoming eligible for a Normal or Early Retirement Benefit; and

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(C) have a Spouse who has waived his or her rights to a Qualified Pre-Retirement
Survivor Benefit, or if you die after becoming eligible for a Normal or Early
Retirement Benefit but have no Spouse

then your estate will receive a Death Benefit equal to eighty percent (80%) of the contributions
made on the deceased Participant’s behalf to the Plan. The Death Benefit will be payable as a
lump-sum benefit, up to a maximum of five thousand dollars ($5,000). The lump-sum death
benefit will be payable on the first day of the month following the approval of the application.
Post-Retirement Death Benefits
If you die and had been receiving a Life Annuity benefit, your Beneficiary shall receive
eighty percent (80%) of the contributions made to the Trust Fund on your behalf and these amounts
shall be reduced by the total amount of benefits paid to you prior to your death. However, the
benefit will be limited to a maximum of Five Thousand Dollars ($5,000.00). The Beneficiary will
receive the lump-sum death benefit within thirty days of the approval of the written application by
the Board of Trustees.

SUSPENSION OF BENEFITS UPON RE-EMPLOYMENT
If you are receiving a retirement benefit other than a Disability Benefit, your benefit will
be suspended if you engage in Disqualifying Employment. Disqualifying Employment means all
of the following conditions occur:
(A) You are re-employed, including self-employment, for forty (40) or more hours
during a four or five-week payroll period which falls within a calendar month;
(B) You are re-employed in the same industry. Industry means the same type of
business activity as that engaged in by any Employer who maintained the Plan at
the time when you either received your benefit or would have received a benefit
had you not remained in or returned to employment;
(C) You are re-employed in the same trade or craft. Trade or craft means returning to
work in a trade or craft in which you were employed at any time while covered by
the Plan. Trade or craft also includes any supervisory or managerial activity that is
reasonably related to the underlying skills associated with the trade or craft for
which you were trained or in which the you acquired your work experience; and
(D) You are either re-employed in the same geographic area, which means the actual
physical geographical jurisdiction of the I.B.E.W. Local 246 collective bargaining
agreement, or are receiving reciprocal contributions.

Notification and Presumption
If you become re-employed as described in paragraphs (A) through (D), you are required
to notify the Administrative Manager’s Office by filing a Notice of Return to Work. This Notice
of Return to Work must be delivered to the Administrative Manager immediately when you
become re-employed. If you fail to file the Notice of Return to Work, then the Trustees may

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21

presume that you have exceeded the hours of re-employment allowable. Your benefit will be
suspended immediately and you will be notified accordingly.
The Board of Trustees has the right to apply the suspension of your benefit retroactively to
the initiation of work by your Employer at the job site. The Trustees may, in addition, request
information from you concerning your re-employment activity, including tax withholding
statements in any given period related to suspected re-employment and any other reasonable
information for the purpose of verifying the re-employment. If the Trustees suspend your benefit
based on a presumption, you will be given the opportunity to be heard at a Suspension Review
Proceeding before the Board of Trustees and demonstrate that, in fact, you did not work the
minimum number of hours of relevant service for the period in which your benefits were
suspended.
Advance Determination
You have the right to request that an advance determination be made as whether your work
will cause a suspension of benefits. The request must be submitted to the Administrative Manager.
Recovery of Overpayments
In the event benefit payments have been issued for any period during which your benefit
should have been suspended, you will be required to repay the full amount of any overpayment(s).
Reinstatement of Retirement Benefits
When Disqualifying Employment ends, your benefits will be reinstated if you have
submitted a request for resumption of benefits to the Administrative Manager. The benefits will
resume on the first day of the calendar month following the receipt of the benefit resumption
notice.
The reinstated benefit shall be in the amount you were receiving prior to the suspension of
the benefit, plus any additional benefits earned by new contributions. Also, the form of benefit
(Qualified Joint and 50% Survivor Annuity, Joint and 75% Survivor Annuity, Life Annuity, or
Ten-Year Certain Benefit) will not change. The form that you were receiving before the
suspension will be the same form you will receive after the suspension.
MISCELLANEOUS INFORMATION

Your pension credits are not assignable. You cannot borrow on them and your creditors
may not attach them.
The Pension Plan is subject to economic and mortality fluctuations. Every possible effort
will be made by the Trustees to make certain that the maximum benefit actuarially allowable will
be paid. Actuarial calculations will be made by the Plan’s Actuary at least once every year to
assure smooth flow of benefits and establishment of adequate reserves.

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The Trustees may make arrangements, at their discretion, for the payment of small monthly
benefits in less frequent payments or larger amounts or a lump-sum, provided the lump-sum is
$5,000.00 or less.
It is intended that at all times this Plan will be fully qualified by the Director of Internal
Revenue Service and authority has been given to the Trustees to amend or change the terms and
provisions of the Trust Agreement and/or Pension Plan as may be required to maintain this
qualified status.
You may not receive more than one type of benefit at the same time, except that you may
receive a benefit as the Spouse or the Beneficiary of a deceased Participant.
The amount of all benefits payable under this Plan will be calculated according to the
provisions of the Pension Plan in effect at the time you separate from all employment with all
Employers. You will be considered to have separated from all employment with all Employers
when you fail to accrue at least one year of service out of two consecutive Plan Years.

PLAN AMENDMENTS AND/OR TERMINATION

The Board of Trustees may amend the Plan at any time. The Board of Trustees may give
any amendment retroactive effect. However, no amendment, including a change in the actuarial
basis for determining optional or early retirement benefit, shall be effective to the extent it has the
effect of decreasing an Accrued Benefit except to the extent the reduction in the Accrued Benefit
is permitted by the Internal Revenue Code. In addition, no amendment shall have the effect of
decreasing a Participant’s or Former Participant’s vested interest determined without regard to
such amendment as of the later date of such amendment is adopted or becomes effective. If the
Plan’s vesting schedule is amended, or the Plan is amended in any way that directly or indirectly
affects the computation of the non-forfeitable percentage, each affected person with at least three
(3) Years of Vesting Service may elect, within a reasonable period after the adoption of the
amendment or change, to have the non-forfeitable percentage computed under the Plan without
regard to such amendment or change. The period during which the election may be made shall
commence with the date the amendment is adopted or deemed to be made, and shall end on the
latest of the following:
(A) 60 days after the amendment is adopted;
(B) 60 days after the amendment becomes effective; or
(C) 60 days after written notice of the amendment is issued by the Board of Trustees.
The Trustees have the ability to terminate the Plan. In the event of termination or partial
termination of the Plan, as defined by law, a Participant’s rights to benefits accrued to the date of
termination or partial termination shall be non-forfeitable. The Plan generally may be terminated:
(1) if, in the opinion of the Trustees the Plan cannot carry out its intent and purposes or it is
inadequate to meet the payments due under the Plan; (2) if there are no individuals remaining who
can qualify as Employees; (3) in the event of termination by action of the Union or Employer; or
(4) as may be otherwise provided by law. In the event of termination, Plan assets will be used first

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23

to pay obligations and expenses of the Plan and the remaining assets will be distributed among
Participants and beneficiaries in accordance with applicable law.

HOW TO APPLY FOR BENEFITS/CLAIMS APPEAL PROCEDURE
A Participant, Beneficiary, or authorized representative may file a claim for benefits with
the Plan’s Administrative Manager. The claim must be in writing, must state the basis of the claim,
and must authorize the Administrative Manager to conduct all necessary investigations into the
claim.
The Board of Trustees or its designated committee shall make all determinations regarding
the validity of the claim. Upon any partial or total adverse benefit determination, the Plan shall
deliver or mail a Notice of Denial to the Participant within ninety (90) days of the filing of the
claim, except in the case of a disability retirement benefit claim.
In the case of a claim for disability retirement benefits, the Plan shall notify the Participant
of the Plan’s adverse benefit determination within a reasonable period of time but not later than 45
days after receipt of the claim by the Plan. This period may be extended by the Plan for up to 30
days, provided that the Administrative Manager both determines that such an extension is
necessary due to matters beyond the control of the Fund and notifies the Participant, prior to the
expiration of the initial 45-day period, of the circumstances requiring the extension of time and the
date by which the Plan expects to render a decision. If, prior to the end of the first 30-day extension
period, the Administrative Manager determines that, due to matters beyond the Plan’s control, a
decision cannot be rendered within that extension period, the period for making the determination
may be extended for up to an additional 30 days, provided that the Administrative Manager notifies
the Participant, prior to the expiration of the first 30-day extension period, of the circumstances
requiring the extension and the date as of which the Plan expects to render a decision. In the case
of any extension under this paragraph, the notice of extension shall specifically explain the
standards on which entitlement to a benefit is based, the unresolved issues that prevent a decision
on the claim, and the additional information needed to resolve those issues. The Participant shall
then be afforded at least 45 days within which to provide the specified information.
The period of time within which a benefit determination is required to be made, for both
disability retirement benefits and other types of benefits under the Plan, will begin at the time the
claim is filed in accordance with the reasonable procedures of the Plan, without regard to whether
all information necessary to make a benefit determination accompanies the filing. If additional
information is necessary to make a benefit determination, the period of time for making the benefit
determination shall be tolled from the date the notification for additional information is requested
until the Participant responds to the request for additional information.
Any Notice of Denial shall be written in a manner calculated to be understood by the
Participant and shall contain:
(A) the specific reason or reasons for the adverse benefit determination;
(B) specific reference to pertinent Plan provisions on which the determination was
based;

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24

(C) a description of any additional material or information necessary for the Participant
to perfect his or her claim and an explanation of why such material or information
is necessary;
(D) a description of the Plan’s review procedures and the time limits applicable to such
procedures, including a statement of the Participant’s right to bring a civil action
under section 502(a) of the Employee Retirement Income Security Act of 1974
(ERISA), as amended, following an adverse benefit determination on review;
(E) in the case of an adverse benefit determination by the Plan regarding disability
retirement benefits,
(1) If an internal rule, guideline, protocol, or other similar criterion was relied
upon in making the adverse determination and either the specific rule,
guideline, protocol, or other similar criterion or a statement that such a rule,
guideline, protocol, or other similar criterion was relied upon in making the
adverse determination. A copy of such rule, guideline, protocol, or other
criterion will be provided free of charge to the Participant upon request; or
(2) If the adverse benefit determination is based on a medical necessity or
experimental treatment or similar exclusion or limit, either an explanation
of the scientific or clinical judgment for the determination, applying the
terms of the plan to the Participant’s medical circumstances or a statement
that such explanation will be provided free of charge upon request.
Except in the case of a disability retirement benefit claim, the Participant or his or her
authorized representative may appeal the Plan’s decision by submitting a written notice within
sixty (60) days of the mailing of the notice of an adverse benefit determination. In the case of a
disability benefit claim, the Participant or his or her representative may appeal the decision within
one hundred eighty (180) days of the mailing of the notice of an adverse benefit determination.
The written notice only needs to state the Participant’s name, address, and the fact that he or she
is appealing from the decision of the Board of Trustees, giving the date of the decision appealed
from. The appeal shall be addressed as follows:

Board of Trustees
I.B.E.W. Local 246 Pension Plan
626 North Fourth Street
Steubenville, Ohio 43952
In addition, the Plan shall
(A) provide the Participant or his or her representative the opportunity to submit written
comments, documents, records, and other information relating to the claim for
benefits;

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25

(B) provide that the Participant or his or her representative shall be provided, upon
request and free of charge, reasonable access to, and copies of, all documents,
records and other information relevant to the claim for benefits; and
(C) provide for a review that takes into account all comments, documents, records, and
other information submitted by the Participant or his or her representative relating
to the claim, without regard to whether such information was submitted or
considered in the initial benefit determination.
In the case of a disability benefit claim, the Plan shall:
(A) provide for a review that does not afford deference to the initial adverse benefit
determination and that is conducted by an appropriate named fiduciary of the Plan
who is neither the individual who made the adverse benefit determination that is
the subject of the appeal nor the subordinate of such individual;
(B) provide that, in deciding an appeal of any adverse benefit determination that is
based in whole or in part on a medical judgment, including determinations with
regard to whether a particular treatment, drug, or other item is experimental,
investigational, or not medically necessary or appropriate, the appropriate named
fiduciary shall consult with a health care professional who has appropriate training
and experience in the field of medicine involved in the medical judgment;
(C) provide for the identification of medical or vocational experts whose advice was
obtained on behalf of the plan in connection with the Participant’s adverse benefit
determination, without regard to whether the advice was relied upon in making the
benefit determination; and
(D) provide that the health care professional engaged for purposes of a consultation
shall be an individual who is neither an individual who was consulted in connection
with the adverse benefit determination that is the subject of the appeal, nor the
subordinate of any such individual.
Prior to a determination on the appeal, a Participant or his or her authorized representative
may have an opportunity to review necessary and pertinent documents upon which the denial is
based and may submit written issues and comments pertinent to the appeal.
Except in the case of a disability retirement benefit claim, the Board of Trustees shall
consider the appeal of benefit claim no later than its regular quarterly meeting which immediately
follows the receipt of the notice of appeal, unless such notice was filed within thirty (30) days
preceding the date of such meeting. If the notice of appeal was received within thirty (30) days
prior to the next regular quarterly meeting, the Board of Trustees may consider the appeal at the
second regular quarterly meeting following the receipt of the notice of appeal. In the case of a

disability retirement benefit claim the Board of Trustees shall consider such an appeal within forty-
five (45) days following receipt of the appeal.

If special circumstances exist regarding a benefit claim, the Board of Trustees may take an
extension of time to the next regularly scheduled meeting to review the claim, provided that the

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26

Participant or his or her representative is given a notice describing the special circumstances prior
to the expiration of the original review period.
The decision of the Board of Trustees shall set forth specific reasons for its conclusions
and shall be written in a manner calculated to be understood by the Participant and shall make
references to the pertinent Plan provision(s) upon which the decision is based. The decision shall
be final and binding upon the Participant unless further appealed as provided below. Notification
of an adverse benefit determination upon appeal shall contain:
(A) the specific reasons or reasons for the adverse determination;
(B) reference to specific Plan provisions on which the determination is based;
(C) a statement that the Participant or his or her representative is entitled to receive,
upon request and free of charge, reasonable access to, and copies of, all documents,
records and other information relevant to the Participant’s claim for benefits;
(D) a description of the Plan’s procedures regarding a hearing before the Board of
Trustees and the time limits applicable to such procedures, including a statement of
the Participants right to bring civil action under ERISA Section 502(a) following
an adverse benefit determination from the Board of Trustees; and
(E) the following statement “You and your plan may have other voluntary alternative
dispute resolution options, such as mediation. One way to find out what may be
available is to contact your local U.S. Department of Labor Office.

A full hearing before the Board of Trustees shall be held when:
(A) The Board of Trustees determines, prior to making a decision on appeal, that a
hearing is necessary. In such event, the Board of Trustees shall notify the
Participant or his or her representative of the date, time, and place set for a full
hearing on the appeal by regular mail addressed to the Participant or his or her
representative as shown on the notice of appeal.
(B) The Participant or his or her representative requests a full hearing before the Board
of Trustees. The written notice needs to state only the Participant’s name, address,
and the fact that he or she is requesting a full hearing before the Board of Trustees,
giving the date of the decision of the Board of Trustees. The request must be submit
the notice within fifteen (15) days after receipt of the Board’s decision on appeal.
(C) In no case shall the date for the hearing set forth in (A) or (B) be set for a time later
than the third regular meeting of the Board of Trustees following the receipt of the
original notice of appeal. If a Participant had a hearing under (A), he or she shall
not be entitled to a hearing under (B).
(D) A full written report shall be kept of the proceedings of the hearing.

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27

(1) In conducting the hearing, the Board of Trustees shall not be bound by the
usual common law or statutory rules of evidence.
(2) The Participant or his or her representative shall have the right to review the
written record of the hearing, make a copy of it and file objections to it.
(3) There shall be copies made of all documents and records introduced at the
hearing, attached to the record of the hearing, and made a part of it.
(4) All information upon which the Board of Trustees based its original
decision shall be disclosed to the Participant or his or her representative at
the hearing.
(5) In the event that additional evidence is introduced by the Board of Trustees
which was not made available to the Participant or his or her representative
prior to the hearing, the Participant shall be granted a continuance not to
exceed thirty (30) days.
(6) The Participant or his or her representative shall be afforded the opportunity
of presenting any evidence on the Participant’s behalf. If new evidence is
offered, the hearing may be adjourned for a period of not more than thirty
(30) days so the Board of Trustees may investigate the accuracy of the new
evidence or determine whether additional evidence should be introduced.
After consideration of the appeal by full hearing, the Board of Trustees shall advise the
Participant or his or her representative of its decision in writing within five (5) days following the
hearing at which the appeal was considered. The decision of the Board of Trustees shall set forth
specific reasons for their conclusions and shall be written in a manner calculated to be understood
by the Participant and shall make references to the pertinent Plan provision(s) upon which the
decision is based. Notification of an adverse benefit determination upon appeal shall contain:
(A) the specific reasons or reasons for the adverse determination;
(B) reference to specific Plan provisions on which the determination is based;
(C) a statement that the Participant or his or her representative is entitled to receive,
upon request and free of charge, reasonable access to, and copies of, all documents,
records and other information relevant to the Participant’s claim for benefits;
(D) a description of the Plan’s procedures regarding a hearing before the Board of
Trustees and the time limits applicable to such procedures, including a statement of
the Participant’s right to bring civil action under ERISA Section 502(a) following
an adverse benefit determination from the Board of Trustees; and
(E) the following statement “You and your plan may have other voluntary alternative
dispute resolution options, such as mediation. One way to find out way may be
available is to contact your local U.S. Department of Labor Office.”

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28

This decision shall be final and binding, except to the extent that the Participant may choose to
pursue any rights provided for by ERISA Section 502(a) following an adverse benefit
determination on appeal.
If a Participant wishes to file a lawsuit in Court challenging the Board of Trustees’ decision
on his or her claim for benefits, the lawsuit must be filed within one (1) year of the mailing
of the Board’s final decision.
The Board of Trustees is vested with all powers necessary to enable it to review all appeals
of adverse benefit determinations and to determine all questions that may arise thereunder,
including, but not limited to, all questions relating to the eligibility of Participants to participate in
the Plan, rollovers, reciprocity contributions and the amount of any benefit to which a Participant,
Beneficiary, spouse or contingent annuitant may become entitled to hereunder. In so acting, the
Trustees shall have full and complete authority and discretion to construe, interpret and apply all
provisions of the Plan. Specifically, the Trustees shall have full and complete authority and
discretion to make any determinations or findings of fact regarding any claims and appeals of any
adverse benefit determinations.

STATEMENT OF RIGHTS UNDER ERISA

As a participant in the I.B.E.W. Local 246 Pension Plan, you are entitled to certain rights and
protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA
provides that all plan participants shall be entitled to:
Receive Information About Your Plan and Benefits
Examine, without charge, at the plan administrator’s office and at other specified locations,
such as worksites and union halls, all documents governing the plan, including insurance
contracts and collective bargaining agreements, and a copy of the latest annual report
(Form 5500 Series) filed by the plan with the U.S. Department of Labor and available at
the Public Disclosure Room of the Pension and Welfare Benefit Administration.
Obtain, upon written request to the plan administrator, copies of documents governing the
operation of the plan, including insurance contracts and collective bargaining agreements,
and copies of the latest annual report (Form 5500 Series) and updated summary plan
description. The administrator may make a reasonable charge for the copies.
Receive a summary of the plan’s annual financial report. The plan administrator is required
by law to furnish each participant with a copy of this summary annual report.
Obtain a statement telling you whether you have a right to receive a pension at normal
retirement age (age 65) and if so, what your benefits would be at normal retirement age if
you stop working under the plan now. If you do not have a right to a pension, the statement
will tell you how many more years you have to work to get a right to a pension. This
statement must be requested in writing and is not required to be given more than once every
twelve (12) months. The plan must provide the statement free of charge.

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Prudent Actions by Plan Fiduciaries
In addition to creating rights for plan participants ERISA imposes duties upon the people who are
responsible for the operation of the employee benefit plan. The people who operate your plan,
called “fiduciaries” of the plan, have a duty to do so prudently and in the interest of you and other
plan participants and beneficiaries. No one, including your employer, your union, or any other
person, may fire you or otherwise discriminate against you in any way to prevent you from
obtaining a pension benefit or exercising your rights under ERISA.
Enforce Your Rights
If your claim for a pension benefit is denied or ignored, in whole or in part, you have a right to
know why this was done, to obtain copies of documents relating to the decision without charge,
and to appeal any denial, all within certain time schedules.
Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request
a copy of plan documents or the latest annual report from the plan and do not receive them within
30 days, you may file suit in a Federal court. In such a case, the court may require the plan
administrator to provide the materials and pay you up to $110 a day until you receive the materials,
unless the materials were not sent because of reasons beyond the control of the administrator. If
you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in
a state or Federal court. In addition, if you disagree with the plan’s decision or lack thereof
concerning the qualified status of a domestic relations order or a medical child support order, you
may file suit in Federal court. If it should happen that plan fiduciaries misuse the plan’s money, or
if you are discriminated against for asserting your rights, you may seek assistance from the U.S.
Department of Labor, or you may file suit in a Federal court. The court will decide who should
pay court costs and legal fees. If you are successful the court may order the person you have sued
to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for
example, if it finds your claim is frivolous.
Assistance with Your Questions
If you have any questions about your plan, you should contact the plan administrator. If you have
any questions about this statement or about your rights under ERISA, or if you need assistance in
obtaining documents from the plan administrator, you should contact the nearest office of the
Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone
directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security
Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C.
20210. You may also obtain certain publications about your rights and responsibilities under
ERISA by calling the publications hotline of the Employee Benefits Security Administration.

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ADDITIONAL INFORMATION REQUIRED BY ERISA

Name of Plan: International Brotherhood of Electrical Workers Local 246 Pension Plan.
Plan Established and Maintained by:
Board of Trustees
I.B.E.W. Local 246 Pension Plan
626 North Fourth Street
Steubenville, OH 43952
(740) 282-1251
Sponsoring Employers: Upon written request to the Plan Office, a Participant may receive
information as to whether a particular employer is a sponsor of this Plan. If it is, the Plan Office
will furnish its address.
Plan Employer Identification Number (EIN): 34-6582842
Plan Number: 001
Type of Pension Plan: The I.B.E.W. Local 246 Pension Plan is referred to as a defined benefit
plan. This means that the dollar amount of benefits provided is based on either Years of Service
or the amount of contributions paid on behalf of the Participant. The exact dollar amount of any
contributions is determined by collective bargaining between the Union(s) and the Employer(s).
The level of benefits is determined actuarially considering contribution income, mortality rates,
turnover of Employees, general economic conditions, and other factors affecting fund income and
costs. Actuarial valuations are performed by the enrolled actuaries retained by the Board of
Trustees on the Participant’s behalf. Cost projections and determining benefit levels are done in
consultation with the actuary. Although the Trustees and professional advisors make every effort
to fix benefit levels accurately, benefit levels are subject to adjustments depending on changes in
economic conditions, results of collective bargaining, and other necessary changes related to
actuarial assumptions.
Type of Administration of the Plan: Although this Plan technically is administered and
maintained by the Board of Trustees for the I.B.E.W. Local 246 Pension Plan, the Trustees have
delegated certain administrative functions to a professional Administrative Manager. Address all
communications with the Board of Trustees to:
Board of Trustees
I.B.E.W. Local 246 Pension Plan
626 North Fourth Street
Steubenville, OH 43952
(740) 282-1251
Agent for Service of Legal Process: Service of legal process may be made upon the Board of
Trustees at the Fund Office, upon the Administrative Manager, or upon any of the individual
Trustees.

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Name, Title and Address of Principal Place of Business of Each Trustee:
Employer Trustees Union Trustees
George Cattrell
P.O. Box 367
Toronto, Ohio 43964

John Fenske
626 North Fourth St.
Steubenville, Ohio 43952

Anthony Shreve
173 Aberdeen Rd.
Steubenville, Ohio 43952

David Pietro
626 North Fourth St.
Steubenville, Ohio 43952

Robert Wickham
P.O. Box 277
Richmond, Ohio 43944

Frank Redmond
626 North Fourth St.
Steubenville, Ohio 43952

Collective Bargaining Agreement: This Plan is maintained pursuant to a collective bargaining
agreement between the I.B.E.W. Local 246 and the various participating Employers. The amount
of hourly contributions shall be based upon the rate(s) set forth in the current collective bargaining
agreement between the Union and the National Electrical Contractors Association, North Central
Ohio Chapter, Steubenville Division. A Participant may obtain a copy of the collective bargaining
agreement by writing to the Administrative Manager or may examine it at the Plan Office.
Sources of Contributions: This Plan is funded through contributions by employers on behalf of
their Employees and by any investment income earned on the Plan’s assets. The Plan is subject to
periodic actuarial review to assure that the relationship between income and benefit costs meets
the funding standards required by ERISA.
Funding Medium for the Accumulation of Plan Assets: Assets are accumulated and benefits
are provided by the Trust Fund. Some Plan assets are invested. These investments are made only
after consultation with professional investment managers employed by the Plan. The Plan’s assets
are currently invested with SEI.
Date of the Plan’s Fiscal Year End: May 31.
Pension Benefit Guaranty Corporation (PBGC): Your pension benefits under this
multiemployer plan are insured by the Pension Benefit Guaranty Corporation (PBGC), a federal
insurance agency. A multiemployer plan is a collectively bargained pension arrangement involving
two or more unrelated employers, usually in a common industry.
Under the multiemployer plan program, the PBGC provides financial assistance through loans to
plans that are insolvent. A multiemployer plan is considered insolvent if the plan is unable to pay
benefits (at least equal to the PBGC’s guaranteed benefit limit) when due.
The maximum benefit that the PBGC guarantees is set by law. Under the multiemployer program,
the PBGC guarantee equals a participant’s years of service multiplied by (1) 100% of the first $5
of the monthly benefit accrual rate and (2) 75% of the next $15. The PBGC’s maximum guarantee

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limit is $16.25 per month times a participant’s years of service. For example, the maximum annual
guarantee for a retiree with 30 years of service would be $5,850.
The PBGC guarantee generally covers: (1) Normal and early retirement benefits; (2) disability
benefits if you become disabled before the plan becomes insolvent; and (3) certain benefits for
your survivors.
The PBGC guarantee generally does not cover: (1) Benefits greater than the maximum guaranteed
amount set by law; (2) benefit increases and new benefits based on plan provisions that have been
in place for fewer than 5 years at the earlier of: (i) The date the plan terminates or (ii) the time the
plan becomes insolvent; (3) benefits that are not vested because you have not worked long enough;
(4) benefits for which you have not met all of the requirements at the time the plan becomes
insolvent; and (5) non-pension benefits, such as health insurance, life insurance, certain death
benefits, vacation pay, and severance pay.
For more information about the PBGC and the benefits it guarantees, ask your plan administrator
or contact the PBGC’s Technical Assistance Division, 1200 K Street, N.W., Suite 930,
Washington, D.C. 20005-4026 or call 202-326-4000 (not a toll-free number). TTY/TDD users
may call the federal relay service toll-free at 1-800-877-8339and ask to be connected to 202-326-
4000. Additional information about the PBGC’s pension insurance program is available through
the PBGC’s website on the Internet at http://www.pbgc.gov.