Cement Masons' Union Local 592
Pension Plan
Summary Plan Description (SPD)
(As Amended Through December 31, 2000)

Go to: Local No. 592 Home Page
Download the SPD

Introduction
Merged Locals
Participating In The Pension Plan
    Eligibility
    Enrollment And Effective Date
    Cost
    Credited Service
    Vesting
When You Can Retire
    Normal Retirement
    Early Retirement
    Disability Retirement
How Pension Benefits Are Determined
    The Benefit Formula
    How To Calculate Your Pension Benefit
    Normal Retirement Example
    Early Retirement Example
How Pension Benefits Are Paid
If You Leave Before Retiring
If You Die Before Retiring
If You Die After Retiring
Your Annuity Benefits
    How To Calculate Your Annuity Benefit
    Annuity Benefit Example
    Annuity Vesting
    How Annuity Benefits Are Paid
    If You Are Reemployed
    If You Leave Before Retiring
How To Claim Your Benefits
    Appealing A Denied Claim
Additional Information
    Suspension Of Pension Payments
    Social Security
    Tax Treatment Of Your Benefit Payments
    Qualified Domestic Relations Order (QDRO)
    Plan Termination
    ERISA Rights
Administrative Information
    Plan Name
    Type Of Plan
    Plan Number
    Employer Identification Number
    Plan Year
    Agent For Service Of Legal Process
    Contributing Employers
    Plan Administrator
    Plan Administration
    Board Of Trustees
Appendix A - Special Provisions Applicable to York Members
Appendix B - Special Provisions Applicable to the Allentown, Pennsylvania Area