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.