Sheet Metal Workers' International Association
Local Union No.73
Pension Welfare and Annuity Funds
In the Event of Your Spouse’s Death
In the event of your spouse’s death, your benefit will not increase if you have already started receiving
your pension benefit in the form of a 50% Husband-and-Wife, 75% Husband-and-Wife, or 100%
Husband-and-Wife Option. You cannot elect another beneficiary for the Husband-and-Wife Options if
your spouse dies before you.