Pension Summary Plan Description

5.2 Section 415 Maximum Benefit

Federal law limits the maximum monthly benefit payment you can receive from this Plan. The limits, such as limitations based on your age at retirement, are stated in Section 415 of the Internal Revenue Code and are subject to change.

These limits more than likely would not impact you unless you worked most of your history with a single employer and are retiring at a fairly young age. If you worked for multiple employers or if your employer changed ownership, those periods of employment can be split out and tested separately against the limits. Ask the Trust Customer Service Office for information concerning the limits that may apply to you.