Any age before age 65 when you terminate due to Total and Permanent Disability

1. 10 Pension Credits (without or following any Permanent Break in Service); and
   
2. 300 Hours of Pension Credit in the 36 months immediately preceding application for Disability Pension
   

Accrued Monthly Normal Retirement Benefit. Payments begin following a 6-Month Waiting Period.

After attainment of age 65: Benefits continue at same level regardless of disability status.

1. 1st of the month following submission of application or


2. 6th month of disability, provided a copy of the social security disability award is provided to the Plan Office within 60 days.

1. Single Life Annuity
   
2. 50% Joint and Survivor Annuity*
   
3. 66-2/3% Joint and Survivor Annuity*
   
4. 100% Joint and Survivor Annuity*
   
   *with or without Pop-up Benefit
   Disability Reduction Factors;
   All forms of payment except the Single Life Annuity are reduced.

See also:
Post-Retirement Lump Sum Death Benefits
Mandatory Lump Sum Payment of Small Benefits
Pension Enhancement Option

Recovery from Total Disability prior to age 65
Potential Loss of Benefits

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