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 spouse’s 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 participant’s death certificate, proof of the participant’s birth and, if the benefit is payable to a surviving Spouse, proof of marital status and proof of the spouse’s 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.

 

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