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

 











 



Pension Credits

  • Pension Credits determine the amount of your benefit.

  • Currently, you earn 1/12 of a Pension Credit for every 100 hours of work in Covered Employment you complete in a Calendar Year, up to a maximum of one Pension Credit. Also, you may earn Special Service Credits. Different formulas and conditions apply for service before 1990.
 

 
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