Pension DB Plan Document 
 

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Home > Defined Benefit Pension Plan Document > Table Of Contents

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ARTICLE I - GENERAL
1.1 Name
1.2 Exclusive Benefit of Participants
1.3 Limitations on Employer and Union Responsibilities.
1.4 Continuation of Trust Fund.

ARTICLE II - DEFINITIONS
2.1 Accrued Benefit
2.2 Active Member
2.3 Actuarial Equivalent
2.4 Administrator
2.5 Beneficiary
2.6 Break in Service
2.7 Collective Bargaining Agreement
2.7.1. Compensation
2.8 Covered Employment
2.9 Credited Service
2.10 Early Retirement Date
2.11 Effective Date
2.12 Employee
2.13 Employer
2.14 Employer Organization
2.15 ERISA
2.16 Future Service
2.17 Hour of Service
2.18 Joint and Survivor Annuity
2.19 Normal Retirement Benefit
2.20 Noncovered Plumbing and Piping Industry Service
2.21 Normal Retirement Date
2.22 Participant
2.23 Past Service
2.24 Pension Plan
2.25 Plan Year
2.26 Suspense Participant
2.27 Trust Agreement
2.28 Trust Fund
2.29 Trustees
2.30 Union

ARTICLE III - PARTICIPATION AND CREDITED SERVICE
3.1 Participants
3.2 Hours of Service
3.3 Benefit Credit for Past Service
3.4 Benefit Credit for Future Service
3.5 Break in Service
3.6 Suspense Participant
3.7 Traveling Members
3.8 Reinstatement of Credited Service on Re-employment of Certain Disabled Employees
3.9 Pro-Rata/Partial Pension

ARTICLE IV - COMMENCEMENT OF PAYMENT OF RETIREMENT BENEFITS
4.1 Normal Retirement Date
4.2 Early Retirement Date
4.3 Disability Retirement Date
4.4 Postponed Retirement
4.5 Effect of Noncovered Plumbing and Piping Industry Service (Violation of Noncompetition Clause)

ARTICLE V - AMOUNT OF RETIREMENT BENEFITS
5.1 Normal Retirement Benefits
5.2 Early Retirement Benefits
5.3 Disability Retirement Benefits
5.4 Trustees Determine Amount of Retirement Benefits
5.5 Maximum Allowable Benefit
5.6 Other Limitations on Rights to Trust Fund
5.7 Pension Enhancement Option

ARTICLE VI – PAYMENT OF BENEFITS
6.1 Monthly Payments for Participant's Life
6.2 Social Security Adjustment Option
6.3 Joint and Survivor Annuity
6.4 Other Optional Retirement Benefits
6.5 Joint and Survivor Annuity Applied for at Death
6.6 Joint Option Factors for Actuarial Equivalency
6.7 Lump Sum Distribution
6.8 Distributions After Participant’s Death
6.9 Suspension of Benefits
6.10 Qualified Domestic Relations Orders
6.11 Providing Pensions Through Contracts
6.12 Direct Rollover of Eligible Rollover Distribution
6.13 Tax Withholding on Pension Payments

ARTICLE VII - VESTING
7.1 Vested Retirement Benefit
7.2 Vesting After Age 63.
7.3 Vesting at Normal Retirement Date

ARTICLE VIII - BENEFICIARIES
8.1 Designation
8.2 Automatic Revocation of Beneficiary Designation
8.3 Absence of Valid Designation of Beneficiaries

ARTICLE IX - EMPLOYER CONTRIBUTIONS
9.1 Employer Contribution
9.2 Methods of Contribution
9.3 Contributions in Default
9.4 Reports on Contributions
9.5 Contributions Limited by Collective Bargaining Agreement
9.6 Debts of the Trust Fund

ARTICLE X - TRUST
10.1 Continuation of Trust
10.2 Use of Trust Fund
10.3 Investments
10.4 Withdrawal of Funds
10.5 Third Party Rights to Trust Fund
10.6 Trustees' Powers
10.7 Trustee Compensation and Expenses
10.8 Establish Benefits and Rules
10.9 Professional and Administrative Assistance
10.10 Selection and Number of Trustees
10.11 Resignation and Removal of a Trustee
10.12 Immediate Replacement of Trustee
10.13 Method of Acceptance
10.14 Successor Trustee Liability
10.15 Effect of Trustee Vacancies
10.16 Chairperson and Secretary-Treasurer
10.17 Voting Power
10.18 Quorum
10.19 Action Without a Meeting
10.20 Meetings
10.21 Arbitration of Disputes
10.22 Books and Records
10.23 Limitations on Trustee Liability
10.24 Bonding
10.25 Trustee Insurance
10.26 Trustees Subject to Prudent Man Standard
10.27 Trustee Designation and Compliance with ERISA

ARTICLE XI - AMENDMENT AND TERMINATION
11.1 Amendment of Trust and Pension Plan
11.2 Termination of Trust Agreement
11.3 Use of Monies on Termination
11.4 Pension on Termination or Merger of Trust

ARTICLE XII - MISCELLANEOUS
12.1 Claims and Appeals Procedure
12.2 Effect of Illegality or Invalidity
12.3 Confidentiality of Records
12.4 Parties Bound by Agreement
12.5 Governing Law
12.6 Gender
12.7 Participants' Rights Non-Transferable
12.8 Effective Date
12.9 Name of Trust Fund
12.10 Refunds to Employers
12.11 Employers' Failure to Contribute for a Participant
12.12 Employer and Union Non-Responsibility
12.13 Notices
12.14 Titles
12.15 Erroneous Statements
12.16 Agent for Service of Process

ARTICLE XIII - MINIMUM DISTRIBUTION REQUIREMENTS
13.1 General Rules
13.2 Time and Manner of Distribution
13.3 Determination of Amount to be Distributed Each Year
13.4. Requirements For Annuity Distributions That Commence During Participant’s Lifetime
13.5 Requirements For Minimum Distributions Where Participant Dies Before Date Distributions Begin
13.6 Definitions

APPENDIX A

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