Health: Eligibility, Prescriptions, Retirement
Other:Pension DB, Pension DC, Vacation

ANSWER: Your contributions begin in your third year or when you become a fifth year apprentice.

ANSWER: When you graduate from apprentice school, you will be credited with up to two years of vesting credit for the hours you worked without contributions. In most cases, after your first five years of service in the industry, you will have five years of vesting credit (years).

ANSWER: After July 1, 1998, you are fully vested if you earn five years of credited service.

ANSWER: You earn one year of service credit for each Plan year (July 1-June 30) in which you complete 1000 or more hours of service, up to a maximum of five years. After your fifth full year, your benefits are vested and you earn one year of credited service for each Plan year in which you work at least 1200 hours. If you work at least 300 hours, you will receive a fractional year of credited service. If you have less than 5 years of credited service, and work 1000 hours, you will receive one year of credited service. If you have 5 or more years of service and you work 1200 hours, you will receive one year of credited service. You can't earn more than one year of service in a Plan year.

ANSWER: Your benefits are determined by the number of hours that you work between July1 and June 30. The Plan currently calculates your benefits based upon $60 and 1200 hours. If you work 1200 hours in a Plan year, your benefit credit will increase by $60. If you work 1500 hours, your benefit will increase $75. If you work 2000 hours, your benefit will increase $100.20. There is currently no cap on benefits and you receive credit for all of your hours worked.

ANSWER: You will receive an annual statement of benefits in September or October of each year for the year ending June 30 of that year.

ANSWER: If you are unable to find the answer to your questions in the Plan's Summary Plan Description booklet on this website, please call the Trust Funds Office at (916) 457-0821.

ANSWER: When you are vested, you may retire as early as age 53 with reductions. For more detailed information refer to the Pension Plan Summary booklet page 9, Section V.

ANSWER: There is a pre-retirement death benefit for surviving spouses. If a participant dies before retirement and is vested in the Plan, the surviving spouse will be entitled to a survivor benefit. If the participant was 53 years of age, the benefit can begin on the first day of the month after death. If the participant is under age 53, the benefit can begin on the first day of the month after he/she would have turned age 53. The amount of the spouse's lifetime benefit will be equal to 50% of the monthly benefit accrued at the time of death reduced to reflect any early retirement reductions. There is also a supplemental death benefit that will be paid to your beneficiary provided that you worked at least 175 hours in covered employment with the equal to $3,000 for each complete year of credited service (up to $30,000) will be paid to your designated beneficiary. If you die after retirement, this additional death benefit is reduced 20% for each complete year you are retired. A pro-rata reduction is made for partial years and the benefit will terminate at the end of five years.

ANSWER: The Defined Contribution is a money-purchase cash balance pension plan qualified under Section 401(a) of the Internal Revenue Code.