Sheet Metal Workers' International Association
Local Union No.73
Pension Welfare and Annuity Funds
Benefits at a Glance
Your benefits under the Pension Plan are a significant part of your retirement income. The amount of your
pension benefit is based on your age and marital status, the number of Pension and Special Service
Credits you have earned, the form of payment you elected, and the benefit accrual rate in effect when you
separate from employment. Generally, the longer you work for contributing Employers, the greater your
pension benefit. The Pension Plan offers:
Pensions at various Retirement ages;
Different payment options;
Disability benefits; and
Survivor benefits.
Pension Plan benefits are in addition to any amounts you may receive from Social Security and other
retirement plans.