Summary Plan Description

Download a PDF of the SPD

Table of Contents

1. Introduction
2. Common Questions and Answers About the Plan
   1. When Do I Become a Participant in The Plan?
   2. How Are Contributions Allocated to Accounts?
   3. How Are Investment Gains and Losses Allocated to My Account?
   4. Is it Possible to Lose My Individual Account?
   5. What is My Normal Retirement Date?
   6. What is My Early Retirement Date?
   7. May I Postpone My Retirement Under This Plan and Commence Retirement Under the Defined Benefit Pension Plan?
   8. What Will I Receive at My Normal or Early Retirement Date?
   9. Are Distributions Available Before My Normal or Early Retirement Date?
   10. What If I Become Disabled?
   11. What Death Benefits Are Available?
   12. What If I Am Re-employed After Distribution of My Account Has Been Paid or Has Begun?
   13. How Do I Apply for a Distribution?
   14. Can I Borrow From My Account?
   15. Are Hardship Withdrawals Available Under this Plan?
   16. Can the Plan be Terminated?
   17. Can a Divorce Affect My Individual Account or Annuity Payments?
   18. Am I Entitled to Any Benefits During Periods of Military Service?
   19. May I Direct My Individual Account’s Investments?
3. Benefit Application and Appeals Procedure
   1. Notices of Claim Denials
   2. Appeal Procedures
4. Important Things for You to Do
5. Information Required by ERISA
   1. Your Rights Under ERISA
   2. Eligibility for Benefits
   3. Plan Termination and Plan Amendment
   4. Vesting