Article 2 – Participation, Vesting and Eligibility For Benefits

2.1 Participation

Any individual who is or becomes an Employee after June 1, 1981, shall commence participation in the Plan beginning with the initial hour for which an Employer Contribution is required to the Trust and shall continue to be a Participant until such time that all benefits due under the Plan to the Participant or Participant’s beneficiaries have been paid or forfeited in a zero dollar distribution. A Participant shall receive Credited Service toward retirement benefits as provided in Article 1.8, based upon Hours of Service completed during the calendar year. Sole proprietors and partners are not eligible to participate in the Plan.

2.2 Vesting and Forfeitures

1. Supplemental and Rollover Subaccounts. A Participant shall be fully vested in his Supplemental Subaccount and his Rollover Subaccount, and those subaccounts shall be nonforfeitable.
   
   
2. Regular Subaccount. Effective January 1, 1989, when a Participant completes five (5) years of Credited Service, including at least one (1) year of Credited Service in this Plan, without a Permanent Break in Service, the Participant shall become fully vested in his Regular Subaccount, and thereafter that subaccount shall not be subject to forfeiture. Participants who earned at least one (1) Hour of Service in this Plan prior to January 1, 1989 and have earned one Year of Service in this Plan prior to January 1, 1990 without a Permanent Break in Service shall be fully vested in this Plan. A Participant shall also have a nonforfeitable right to benefits from the Regular Subaccount upon attainment of his Normal Retirement Date.
   
   A Participant who fails to qualify for vesting under this subsection (b) is non-vested in the Regular Subaccount. A non-vested Participant in the Regular Subaccount who incurs a Permanent Break in Service (Termination) as defined in Article 2.4, shall forfeit all previously accrued rights to benefits from the Regular Subaccount. Forfeiture may be avoided by use of credit from a Related Plan as provided in Article 3.2.
   
   
3. Contributions for Vested Participant. All Contributions made on behalf of a vested Participant shall be non-forfeitable.

2.3 One-Year Break in Service

A non-vested Participant in the Regular Subaccount who fails to complete 500 or more Hours of Service in a Plan Year shall have a One-Year Break in Service as to each such Plan Year unless the Participant is granted a Leave of Absence under Article 2.6 below. If a Participant incurs a One-Year Break in Service, he will be deemed to have received a zero dollar distribution from the Regular Subaccount, and all rights under this Plan shall be forfeited unless recovered pursuant to Article 2.5.

2.4 Permanent Break in Service (Termination)

A non-vested Participant in the Regular Subaccount who incurs one or more One-Year Breaks in Service, whose Credited Service prior to the first One-Year Break in Service is not restored under Article 2.5, or who is not granted a Leave of Absence under Article 2.6 will incur a Permanent Break in Service, and will forfeit permanently all previously accrued pension benefits in the Regular Subaccount.

2.5 Reinstating One-Year Breaks in Service

Notwithstanding any other provision herein, if after incurring one or more One-Year Breaks in Service a Participant earns 500 or more Hours of Service during a subsequent Plan Year commencing after December 31, 1988, the Participant’s previously forfeited rights shall be recovered if such Hours of Service are earned before he incurs five (5) consecutive One-Year Breaks in Service; provided such credits shall not be reinstated until the first Plan Year after which the Participant earns 500 or more Hours of Service in this Plan or a Related Plan.

2.6 Leave of Absence

A Participant who is absent in one of the following categories for a period of six months or more, may be allowed a Leave of Absence for one of the reasons listed below, but only for such period as stated below:

1. Absence due to service with the armed forces of the United States as required by federal law;
   
   
2. Absence due to disability, for a two (2) year period, subject to further consideration after that time if the disabling condition continues, provided the Participant submits proof of such disability satisfactory to the Trustees;
   
   
3. Absence while serving as an employee or official of the Union for up to three (3) years;
   
   
4. Absence while on each maternity/paternity leave, as defined below, up to a maximum of 501 Hours of Service for each such leave. Under this subsection (d), Participants on a Maternity/Paternity Leave will be credited with Hours of Service toward vesting and to avoid a Break in Service. Hours of Service will be credited for the specific period of absence, except that all Hours of Service will be credited to the Plan Year in which the absence begins if necessary to avoid a One-Year Break in Service in that year; otherwise, they will be credited to the immediately following Plan Year. For purposes of this subsection (d), a Participant shall be deemed to be on Maternity/Paternity Leave if the Participant is absent from work by reason of the pregnancy of the Participant, by reason of the birth of a child of the Participant, by reason of the placement of a child with the Participant in connection with the adoption of the child by such Participant, or for the purpose of caring for such child during the period immediately following such birth or placement;
   
   
5. Non-participation in this Plan by an Employee who is not vested in the Regular Subaccount, but who has at least one (1) previous year of Credited Service in this Plan during any time after June 1, 1986, when the Employee’s employer was not required to make Contributions to this Plan but did make contributions to the Carpenters Health and Security Trust of Western Washington on behalf of the Employee. Under this subsection (e), the Employee shall be entitled to Hours of Service toward vesting and to avoid a Break in Service;
   
   
6. Absence while on any other approved Leave of Absence for the period allowed, but for no more than two (2) years. Approval must be granted solely by the Trustees, who shall grant any such leave of absence only under a uniform standard.

2.7 Eligibility for Retirement Benefits

A Participant who retires, as defined in Article 1.22, will be eligible to receive his vested retirement benefits under this Plan:

1. On the Participant’s Normal Retirement Date;
   
   
2. On the Participant’s Early Retirement Date;
   
   
3. When found by the Trustees to be entitled to Total and Permanent Disability benefits in accordance with Article 2.8 hereof.

2.8 Total and Permanent Disability

A vested Participant who is Totally and Permanently Disabled and has earned at least 750 Hours of Service in this Plan or in a Related Plan in the three (3) consecutive Plan Year period prior to the Participant’s disability, shall be entitled to Total and Permanent Disability benefits.

Total and Permanent Disability, for the purpose of this Plan, will mean disability by accidental bodily injury or disease which on the basis of medical evidence can be assumed to be permanent and continuous during the remainder of the Participant’s lifetime, and which renders the Participant incapable of performing any and every duty pertinent to his occupation as a Carpenter. After benefits have been paid to the Participant for 24 months, the Participant must then be incapable of engaging in any gainful occupation for which the Participant is found to be fitted by training, experience and abilities.

Disability Retirement income will not be payable to a Participant where the disability results from an intentional self-inflicted injury or the habitual use of narcotics or alcoholic beverages.

Disability will not be considered established unless it has continued for a period of not less than six (6) consecutive months. The Trustees may, however, at their discretion, waive the six (6) month period.

It shall be the responsibility of the Participant to submit satisfactory proof of such disability to the Trustees. Before ruling on any disability, the Trustees may designate a qualified physician of their choice to examine the Participant.

The Trustees may, from time to time, require satisfactory proof of continued disability. If the Trustees determine that a Participant’s disability has ceased prior to his attainment of age sixty-five (65), Disability Retirement income will stop with the payment for the month in which the disability ceased. Remaining payments, if any, due to the Participant as a disability benefit will be canceled. The Participant will be vested in the unpaid balance of the Individual Account to the same extent as prior to the Plan’s payment of the disability retirement benefit.

When a Participant who is receiving Disability Retirement income reaches the Normal Retirement Date, no further proof of continued disability will be required.