SECTION 15. RECIPROCITY

If you work outside the geographic area of IBEW Local 6 under a Collective Bargaining Agreement requiring contributions to a different IBEW defined benefit pension plan, the contributions you earn typically are credited to that plan. Likewise, if you are a traveler working temporarily within the jurisdiction of this Plan, the contributions you earn typically are credited to this Plan instead of to your home pension plan.

Dividing your pension service credit between two plans can reduce your retirement income. For example, if you work outside your normal area for only a few years, you may not work enough hours to vest under the plan in that area and may lose the benefits you earned during those years. Furthermore, if some of your employment in the industry is not credited under this Plan, you are less likely to qualify for certain Plan benefits. To avoid such problems, the Plan has become a party to the Electrical Industry Pension Reciprocal Agreement.

The key provisions of the Electrical Industry Pension Reciprocal Agreement are summarized below. A copy of the agreement is available upon written request of the Plan Office. The National Reciprocity Office is responsible for and handles any appeals, disputes or questions relating to such Industry Reciprocal Agreement.

Topics In This Section

A. Home Fund
B. Procedures
C. Amount and Effective Date of Transfer
D. Allocation of Transferred Contributions
E. Crediting Service in Home Fund
F. Pro-Rata Reciprocity