Receiving a Pension

For information on your earliest eligible Normal or Early Retirement Age

You may be eligible for a(n):

• Regular Pension as early as age 62 if you have at least 10
  Pension Credits, including at least four earned after January 1, 1950.
  
  
• Early Retirement Pension as early as age 55 if you have at least 10 Pension Credits, including at least four earned after January 1, 1950.
  
  
• Disability Pension if you meet the Plan’s definition of total and permanent disability and have at least 10 Pension Credits, including at least four earned after January 1, 1950 and ½ of a Pension Credit earned during the 12 months immediately before you became disabled.
  
  
• Deferred Pension if you have five years of Vesting Service and are no longer employed by any Employer participating in the Plan. Payment of deferred vested benefits generally begins at your earliest eligible Normal Retirement Age. However, if you have at least 10 Pension Credits you may
  apply for a reduced Early Retirement Pension as early as age 55 or an unreduced Regular Pension as early as age 62.
  
  
• Normal Retirement Age Pension, Rule of 95 Pension or Pro-Rata (Reciprocal) Pension under certain situations in lieu of one of the options listed above.