FAQs and How-Tos
  Clicking on the following questions will provide you with a specific answer or link you directly with the section of this site that addresses that question. If, after reviewing this information, you still have questions please contact us at A&I. 
 
  Frequently Asked Questions
 
FAQs
I am ready to retire, what do I need to do?
How soon can I retire if I want to retire before the normal retirement age of 65?
Is my retirement benefit reduced if I retire early?
Can I put money into my Pension Fund?
How often will I receive a Pension Statement from the Plan Administrator?
If I receive a Social Security award under the Federal Social Security Act does that make me eligible for disability pension through Northwest Sheet Metal Workers Pension Trust?
If I die prior to retirement is there a payable benefit?
Once I retire can I return to work?
 
  I am ready to retire, what do I need to do?
 

In order for your pension benefit to start you will need to notify the Plan Administrator's Office at least 90 days before your benefit will begin.  You may request an application form over the phone or print an application form from this website. At the time that you apply for your pension benefit it will be required that you provide satisfactory evidence of your age.  The most satisfactory evidence is a copy of your birth certificate.  If you are married, it will be necessary for you to provide evidence of your spouse’s birth date, similar in nature to that required for yourself, as well as proof of marriage.    If you have been divorced, you will need to submit a copy of the divorce decree or QDRO.

 
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  How soon can I retire if I want to retire before the normal retirement age of 65?
 

Early retirement benefits may begin at age 55 as long as you have 10 years of Credited Service which would include at least one year of Credited Future Service.

 
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  Is my retirement benefit reduced if I retire early?
 

Yes. Your benefit would be reduced by 1/2 of 1% per month (6% per year) between ages 62 and 65.

 
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  Can I put money into my Pension Fund ?
  This Plan is funded through employer contributions.  Your employer pays contributions, per a collective bargaining agreement, to finance the Plan.  No contributions are required by or permitted from you on the defined benefit pension plan. If you wish to pay into a your pension you may do so under the Supplemental Pension Plan.
 
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  How often will I receive a Pension Statement from the Plan Administrator?
 

Annually.

 
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  If I receive a Social Security award under the Federal Social Security Act does that make me eligible for disability pension through the Northwest Sheet Metal Workers Pension Trust?
 

If you incur a permanent and total disability, you will be eligible for a disability benefit if you: (1) earned five years of credited service, including at least two years of Credited Future Service; (2) have earned 300 or more covered hours of service in any one of the four consecutive plan years immediately preceding your disability date.

For a more detailed explanation, please refer to your Plan Booklet.

 
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  If I die prior to retirement is there a payable benefit?
 

Yes, please refer to your Plan Booklet.

 
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  Once I retire can I return to work?
 

If you are receiving Early or Normal Retirement benefits, your monthly pension benefit will be suspended if you are employed 40 hours or more by any one of the following: 1) any employer who is contributing to this Plan; 2) any employer in the same or related business as a participating employer within the geographic area of the Plan; or 3) self-employment in the same or related business as a participating employer, within the geographic area of the Plan.

For each month you are employed for 40 hours or more, your retirement benefit will remain suspended until you notify he Trust Office in writing, that you are no longer working.

Please refer to your Plan Booklet for additional guidelines.

 
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