Sheet Metal Workers' International Association
Local Union No.73
Pension Welfare and Annuity Funds

 











 



Leaving Work


If you have a break in service before you are vested, it is possible for you to lose your Pension Credits and Vesting Service.

Once you reach vested status, you
cannot incur a permanent break in
service.

A break in service occurs if you are not credited with a minimum
number of hours of employment during a specified period of time.
In general, when you have a break in service you are no longer a
participant in the Plan. If you have a permanent break in service,
the Pension Credits and Vesting Service you earned before the break are cancelled.


However, if you have already earned the right to a pension, which means you are vested, you may leave the coverage of the Plan without losing your pension rights.

 

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