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- Life Event Guide to Benefits
- Defined Contribution Plan
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- Introduction
- Common Questions and Answers About the Plan
- When Do I Become a Participant in The Plan?
- How Are Contributions Allocated to Accounts?
- How Are Investment Gains and Losses Allocated to My Account?
- Is it Possible to Lose My Individual Account?
- What is My Normal Retirement Date?
- What is My Early Retirement Date?
- May I Postpone My Retirement Under This Plan and Commence Retirement Under the Defined Benefit Pension Plan?
- What Will I Receive at My Normal or Early Retirement Date?
- Are Distributions Available Before My Normal or Early Retirement Date?
- What If I Become Disabled?
- What Death Benefits Are Available?
- What If I Am Re-employed After Distribution of My Account Has Been Paid or Has Begun?
- How Do I Apply for a Distribution?
- Can I Borrow From My Account?
- Are Hardship Withdrawals Available Under this Plan?
- Can the Plan be Terminated?
- Can a Divorce Affect My Individual Account or Annuity Payments?
- Am I Entitled to Any Benefits During Periods of Military Service?
- May I Direct My Individual Account’s Investments?
- Benefit Application and Appeals Procedure
- Important Things for You to Do
- Information Required by ERISA
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- Terms of Use/Disclaimer
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- Health and Welfare
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- Participant Relief Due to the Declared National Emergency Effective March 1, 2020
- Introduction
- Eligibility
- Medical Coverage
- Medical Benefits
- LiveHealth Online
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- Price Comparison and Transparency
- No Surprises Act & ACA
- Benefit Summaries
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- PPO Dentists Locator
- Comparison of Dental Plan Benefits
- Pension Plan
- Summary Plan Description
- Cover Page
- Introduction
- Pension Plan Protection Act
- Glossary of Terms
- Pension Credits
- Vesting
- Breaks in Employment and Permanent Break in Employment
- Pension Eligibility Requirements and Amounts
- Forms of Pension Payment
- Death Benefits
- Starting Your Pension Payments
- Retirement and Suspension of Pension Payments for Work After Retirement
- Appealing the Denial of a Claim
- General Information
- Some Questions and Answers About the Plan
- Checklist: Things for You to Do
- Facts About Your Plan
- Collective Bargaining Agreements
- Source of Contributions
- Trust Fund
- Plan Amendment and Termination
- Plan Termination Insurance
- Source of Financing of the Plan and Identity of any Organization Through Which Benefits are Provided
- Fiscal Plan Year
- The Plan’s Requirements with Respect to Eligibility for Participation and Benefits
- Description of Provisions for Non-Forfeitable Pension Benefits
- Circumstances Resulting in Disqualification, Ineligibility or Denial or Loss of Benefits
- Review Procedure
- Statement of ERISA Rights
- Forms and Documents
- Benefit Summaries
- Links
- Frequently Asked Questions
- Summary Plan Description
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