Sheet Metal Workers' International Association
Local Union No.73
Pension Welfare and Annuity Funds
Resumption of Benefits
If you return to work in disqualifying employment after retiring, your Retirement will be withdrawn and
pension benefits will stop. When you retire again, pension benefits will be recalculated.
If you initially retired at or after Normal Retirement Age, or if you earn a year of Vesting Service after
you return to work, your pension benefit will be recalculated when you resume Retirement and will
include additional Pension Credits earned. If you initially retired before Normal Retirement Age and
return to work for at least three months but do not earn one year of Vesting Service during your return,
your pension will be adjusted for your age only.
In addition, if you originally retired with an Early Retirement Pension, or any benefit payments were
made after your return to Covered Employment on or after January 1, 2007 or later, your recalculated
pension will be actuarially adjusted based on the special actuarial factors. For more information, please
contact the Fund Office