Sheet Metal Workers' International Association
Local Union No.73
Pension Welfare and Annuity Funds
Pension Credit Limits
At Retirement, your accumulated units of Pension Credit are added together. The resulting number of
Pension Credits will be used to calculate your pension benefit.
On or After April 1, 1996
If you separate from Covered Employment and retire on or after
April 1, 1996, there is no longer a limit
on the number of Pension Credits that will count toward your pension benefit.
Before April 1, 1996
Prior to April 1, 1996, the following limits applied: