Basic Rules

• To withdraw any money from your individual account you must be retired according to the Plan's Rules.

• You must begin the retirement process at least 3 months prior to your desired retirement date and provide all of the required documentation to the Trust Office.

• All contributions must have been reported to the Plan. You will receive a form from the Trust Office which must be notarized.

• You must apply for retirement through both the Individual Account and Retirement Plan.

You must:

Normal Retirement

• Be vested.

• At least age 65

• Have ceased working for any contributing employer.

Early Retirement

• Be vested

• At least age 55 and less than age 65

• Have ceased working

Disability Retirement

• Be vested

• Under age 65

• Have 750 hours in plan or in a reciprocal plan with the 3 years prior to onset of disability

• Be totally and permanently disabled according to the definition of the Plan.