Pension Plan Benefit Summaries

Any age before age 62 when you terminate due to Total and Permanent Disability

1. ½ of one Current Pension Credit or 500 hours on or before June 30, 1978; or
2. 6 Current Pension Credits or 6,000 hours; or
3. Vested with 10,000 hours, or 5 Years of Service before a Permanent Break in Employment, including one Hour of Service covered by the Plan after June 30, 1999.

Additional Requirements

1. You have not elected to receive and you are not eligible for disability benefits under the Operating Engineers Health & Welfare Fund; and
2. You do not have a Break in Employment for failing to have 500 hours in three Plan Years unless you are credited with 3,000 hours after the Break; and
3. You do not have a Break in Employment because you worked for a Non-Contributing Employer unless you are credited with 6,000 hours after the Break; and
4. You have 500 hours reported in the last 24 months preceding your Pension Effective Date*; and
5. You are Totally and Permanently Disabled

*If you are Totally and Permanently Disabled, you must have 500 hours in the 24 months preceding the effective date of your Social Security Disability Award or in the 24 months preceding the date you are determined to be Totally and Permanently Disabled based on medical evidence.

Accrued Monthly Regular Pension Benefit 

1. Single Life Annuity (120 payments guaranteed)
2. 50% Joint and Survivor Annuity
3. 75% Joint and Survivor Annuity
   Reduction Factors
   All forms of payment except the Single Life Annuity are reduced.

See also:
Post-Retirement Additional Lump Sum Benefits
Automatic Lump Sum Payment of Small Benefits

Recovery from Total Disability prior to age 65