Pension Summary Plan Description

9 SEPARATION FROM SERVICE

You must have a Separation from Service before benefit payments begin. This means you permanently terminate employment with your most recent Contributing Employer and with any other related business or trade (whether or not incorporated) that is a member of a controlled group or under common control with your employer through common ownership. If you return to work for your most recent Contributing Employer within six months of the date you terminate, it will be presumed that you did not have a bona fide Separation from Service and you may owe any retirement benefits you received back. You will not be considered as Separated from Service if your employer withdraws from the Plan or if you change jobs to a non-covered position with the same employer.

The Plan Administrator requires certification that you have Separated from Service. If you have questions about whether an employer is a member of a controlled group or under common control of another employer, contact the Trust Customer Service Office for information.