Sheet Metal Workers' International Association
Local Union No.73
Pension Welfare and Annuity Funds
How Do I Get a Pension Application?
You can get a pension application by writing, calling or visiting the
Fund Office. If you need any help in filling out your pension application,
the staff at the Fund Office will assist you.
When Should I Apply for My Pension?
You should file your application with the Trustees at the address of
the Fund Office in advance of the first month you expect your pension
benefit to begin. You are urged to file as soon as you decide on your
intended retirement date. Early
filing will avoid delay in the processing of your application and payment
of benefits. Your application is subject to the approval of the Trustees
at the next quarterly meeting following your completion of the application
process.
Must I Submit Proof of Age with My Pension Application?
Yes. Instructions describing the types of acceptable proof of age will
be given to you with your application. If you want your pension paid
as a Husband-and-Wife Pension, you will be asked to submit proof of
your spouses age and proof of your marriage.
Who Will Decide if I Am Eligible for a Pension?
The Board of Trustees will decide if you meet the eligibility requirements
for a pension. The Trustees are bound by the rules of the Pension Plan
and are the sole judges in interpreting the Plan and determining eligibility
based on the documents you submit with your application.
How Does a Spouse or Beneficiary File for a Survivor Benefit?
As soon as possible after the death of an employee
or pensioner, the spouse or beneficiary should contact the Fund Office
to request instructions about filing an application and to determine
which benefits are available. In order to apply for a survivor benefit,
the Fund Office will ask you to provide a number of items such as a
copy of the participants death certificate, proof of the participants
birth and, if the benefit is payable to a surviving Spouse, proof of
marital status and proof of the spouses age.
May I Change the Type of Pension Benefit Once I Receive a Pension?
You may not change the type of pension benefit once you receive your
pension, except you may change from a disability pension to another
type of pension benefit under certain circumstances.