C. Example of Break in Service Rule

The following work history illustrates how the break in service rules apply based on accumulated Pension Credits (P.C.) and Credited Service (C.S.)

Under this scenario, you would not incur a Permanent Break in Service because you returned to work before you had 5 consecutive one year Breaks in Service based on your accrued Pension Credit. If Credited Service alone determined when a Permanent Break in Service occurred, your Pension Credit would have been cancelled on December 31, 2002 after accumulating 5 consecutive one year Breaks in Service. However, the earliest you could incur a Permanent Break in Service based on your Pension Credit was December 31, 2003 had you not returned to Covered Employment during that year and accumulated at least 300 hours of Pension Credit. Since, in this example, you have interrupted your consecutive string of one year Breaks in Service, you cannot incur a Permanent Break in Service until December 31, 2009. You have until then to accumulate 300 hours of Covered Employment to avoid a Permanent Break in Service. If you accrue an additional 725 hours before experiencing a Permanent Break in Service, you will accumulate the required 5 years of Pension Credit to become vested in the Plan.