International Association of Machinists Motor City Pension Fund

EIN/Plan #: 38-6237143/001

Checklist Item #36 – 7.06 Recent Plan Documents

Does the application include:

• The required plan documents,

• Any recent amendments,

• The summary plan description (SPD),

• The summary of material modifications, and

• The most recent determination letter?

See section 7.06

Document 36.1(1) and 36.1(2) provides a copy of the most recently restated plan document 

effective July 1, 2014 and a copy of Amendment #1.

Document 36.2 provides a copy of the most recent summary of plan description (SPD).

Document 36.3 provides a copy of the most recent favorable determination letter.
International Association of Machinists Motor City Pension Fund

EIN/Plan #: 38-6237143/001

Checklist Item #36 – 7.06 Recent Plan Documents

Document 36.1(1)

The Most Recently Updated

Plan Document

Please refer to the following pages.

36.1
36.2
36.3
36.4
36.5
36.6
36.7
36.8
36.9
36.10
36.11
36.12
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36.14
36.15
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36.22
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36.54

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36.82
International Association of Machinists Motor City Pension Fund

EIN/Plan #: 38-6237143/001

Checklist Item #36 – 7.06 Recent Plan Documents

Document 36.1(2)

Amendment #1 to the

Plan Document

Please refer to the following pages.

36.83
1

FIRST AMENDMENT 

TO THE 

INTERNATIONAL ASSOCIATION OF MACHINISTS MOTOR CITY 

PENSION PLAN 

 WHEREAS, the International Association of Machinists Motor City Pension Plan (the 

“Plan”) was established effective June 1, 1955 to provide retirement benefits to eligible 

participants; and 

 WHEREAS, the Plan has been amended from time to time and was most recently 

restated in its entirety as of July 1, 2014, and 

 NOW THEREFORE, the Plan is amended, effective July 1, 2014, unless otherwise 

stated, as follows: 

ARTICLE III - ELIGIBILITY FOR BENEFITS 

Article III shall be amended at Section 3.03 by replacing the current Section 3.03 with the 

following Section 3.03: 

Section 3.03. - Late Retirement Benefit 

A Participant, including a Terminated Vested Participant, who retires after his Normal Retirement 

Date shall be eligible for a Late Retirement Benefit in accordance with the provisions of Section 

4.04 on the first day of the month next following the date his employment with the Employer 

terminates, or if earlier, the first day of the calendar month in which the Participant does not have a 

week of contribution made by an Employer on his behalf. 

ARTICLE IV - BENEFITS 

Article IV shall be amended at Section 4.04 by replacing the Section with the below Section 4.04. 

Section 4.04. - Late Retirement Benefit 

The monthly retirement benefit of a Participant eligible for a Late Retirement Benefit, and who has 

applied therefor, shall be equal in amount to the greater of a) his Accrued Benefit at Normal 

Retirement Date, actuarially increased to his Late Retirement Date or b) his accrued benefit at 

Late Retirement Date. An actuarial adjustment factor would apply except for any month(s) in 

which the Participant worked one or more weeks and proper Suspension of Benefits Notice

(“Notice”) under Section 5.06 was provided to the Participant. 

ARTICLE V - COMMENCEMENT AND DURATION OF MONTHLY BENEFITS 

Article V shall be amended at Section 5.05 by capitalizing the word “notice” in the last two 

sentences to refer to the term “Suspension of Benefits Notice” defined in Section 4.04. Section 

5.05(A) reads, as amended: 

Section 5.05. - Reemployment After Retirement 

If a Retired Participant is subsequently rehired by an Employer and at any time thereafter has 

contributions made to the Plan on his behalf:

36.84




International Association of Machinists Motor City Pension Fund

EIN/Plan #: 38-6237143/001

Checklist Item #36 – 7.06 Recent Plan Documents

Document 36.2

The Most Recently Updated

Summary of Plan Description

Please refer to the following pages.

36.89

36.91
1

TABLE OF CONTENTS 

PAGE NO.

ABOUT THIS BOOKLET ..............................................................................................................2 

BENEFITS AT A GLANCE ...........................................................................................................3 

Q.1 WHAT TERMS HAVE SPECIAL MEANING? ................................................................5 

Q.2 WHEN DO I BECOME A PARTICIPANT? ......................................................................8 

Q.3 WHO PAYS FOR MY BENEFITS? ...................................................................................8 

Q.4 WHEN MAY I RETIRE? ....................................................................................................9 

Q.5 HOW MUCH WILL I RECEIVE AT NORMAL RETIREMENT? .................................10 

Q.6 HOW WILL MY PENSION BE CALCULATED IF I RETIRE EARLY? ......................10 

Q.7 WHAT IF I BECOME DISABLED WHILE WORKING? ..............................................12 

Q.8 HOW WILL MY PENSION BE PAID WHEN I RETIRE? .............................................12 

Q.9 MAY I CHANGE MY ELECTION AFTER I ELECT A PAYMENT FORM? ..............15 

Q.10 DO I FORFEIT MY PENSION IF I DO NOT REMAIN EMPLOYED 

UNTIL I AM ELIGIBLE TO RETIRE? ............................................................................15 

Q.11 WHEN CAN I START TO RECEIVE MY VESTED TERMINATED 

PARTICIPANT BENEFIT? ..............................................................................................16 

Q.12 WHAT IF I AM REHIRED AFTER I TERMINATE EMPLOYMENT? ........................16 

Q.13 DO I RECEIVE ANY BENEFIT IMPROVEMENTS THAT ARE MADE 

WHILE I AM ABSENT IF I RESUME PARTICIPATION IN THE PLAN 

WHEN I AM REHIRED? ..................................................................................................18 

Q.14 DOES THE PLAN PROVIDE ANY BENEFITS IF I DIE BEFORE MY 

PENSION STARTS? .........................................................................................................19 

Q.15 DOES THE PLAN PROVIDE ANY BENEFITS IF I DIE WHILE I AM 

RECEIVING BENEFITS?.................................................................................................19 

Q.16 UNDER WHAT CIRCUMSTANCES CAN MY PLAN BENEFITS BE 

LOST OR DELAYED? .....................................................................................................19 

Q.17 HOW DO I APPLY FOR BENEFITS? .............................................................................22 

Q.18 WHAT SIGNIFICANCE DOES THIS BOOKLET HAVE IF I RETIRED 

PRIOR TO JULY 1, 2015? ................................................................................................23 

Q.19 WHAT SIGNIFICANCE DOES THIS BOOKLET HAVE IF I AM A 

VESTED TERMINATED PARTICIPANT WHO TERMINATED 

PRIOR TO JULY 1, 2015? ................................................................................................23 

Q.20 IS THERE ANYTHING ELSE I SHOULD KNOW ABOUT THE PLAN? ....................24 

36.92
2

ABOUT THIS BOOKLET

A. General

The International Association of Machinists Motor City Pension Plan was established 

June 1, 1955. Its purpose is to provide retirement income to covered employees. 

Payments of retirement income under the Plan are made from The International 

Association of Machinists Motor City Trust Fund. Contributions to the Trust Fund to 

provide retirement income under the Plan are made by the participating Employers under 

applicable Collective Bargaining Agreements. Employees are not permitted to make 

contributions to the Trust Fund. 

The Pension Plan is administered in accordance with the applicable sections of the 

Employee Retirement Income Security Act of 1974 (ERISA), the Internal Revenue Code 

(Code) and the Taft-Hartley Act by a joint Board of Trustees. The provisions of the 

Pension Plan are contained in a written document. The duties and authority of the Board 

of Trustees are contained in a Trust Agreement. A copy of the Pension Plan and Trust 

Agreement are available for your inspection at the Trust Fund’s administrative office.

This booklet constitutes a summary plan description. This booklet is intended as a 

summary only. Although considerable effort has been expended to assure that it is 

accurate, if any provision of this booklet is inconsistent with the official Pension Plan, the 

Pension Plan will supersede the provisions of this booklet. In addition, the Pension Plan 

will govern notwithstanding any explanation of any representative of the Plan that may 

be inconsistent with the Pension Plan. 

B. Active Plan Participants

This booklet is intended primarily for active plan participants, on whose behalf 

contributions have been made after July 1, 2015. This booklet describes the Plan as of 

July 1, 2015. The Plan is amended from time to time. Except as otherwise specifically 

stated, Plan amendments only apply to active participants with contributions made after

the effective date of the amendment. Therefore, changes to the Plan effective after you 

are no longer an active Plan participant will generally not apply to you. Upon subsequent 

reemployment, the Plan contains special rules describing how any Plan improvements 

that occurred during your absence may or may not apply to you. 

C. Inactive Plan Participants

If your active participation in the Plan ended before July 1, 2015, that is, you have not 

had contributions made on your behalf by an eligible Employer since then, the current 

Plan and this Summary Plan Description booklet generally do not apply to you. Your 

eligibility and benefits are governed by the Plan document in effect at the time you 

became an inactive Plan participant, whether you retired or became a vested terminated 

participant. However, this booklet does contain some information which does pertain to 

inactive participants. Considerations which are of particular importance to retired 

participants and vested terminated participants are discussed in Q.18 and Q.19, 

respectively. 

36.93
3

BENEFITS AT A GLANCE 

The following chart provides a capsule summary of certain key topics discussed in this booklet. 

Words that are underlined in the “Highlights” column are defined at Q.1 “What Terms Have 

Special Meaning?”

Topic Highlights Discussed At

Plan participation To commence participation in the Plan you must:

• Be hired as an eligible employee by a 

contributing Employer. 

• Satisfy the eligibility rules of your Collective 

Bargaining Agreement.

• Complete the necessary application forms.

Q.2 on page 7 

Vesting of rights to 

your pension

Your right to receive a pension becomes 

nonforfeitable (or vested) on the earlier of when 

you complete 5 years of Vesting Service or remain 

employed until your 65th birthday. 

Q.10 on page 14 

Amount you will 

receive 

at normal retirement 

age 

(age 65)

Your pension will be computed under a formula 

based on the total Employer contributions made 

on your behalf. If you retire at age 65, you will be 

entitled to receive a pension determined under the 

formula without reduction.

Q.5 on page 9 

Amount you will 

receive if your pension 

begins at a time other 

than normal retirement 

age

Early Retirement

• If you retire prior to Normal Retirement Age but 

after you complete at least 5 years of Credited 

Service and are at least 52 years of age, your 

pension will be reduced.

Q.6 on page 9 

Late Retirement 

If you retire from active employment at any time 

after you reach normal retirement age, you will 

receive your full pension or actuarially adjusted, 

whichever is greater.

Q.4 on page 8 

Disability Retirement 

The Disability Retirement Benefit was 

discontinued as of January 1, 2009. The benefit is 

still payable if you were eligible for the Benefit 

before January 1, 2009. The benefit terminates 

when you are no longer disabled or upon turning 

age 65 at which time you have obtained a Normal 

Retirement Benefit.

Q.4 on page 8 

Q.7 on page 11 

36.94
4

Topic Highlights Discussed At

Termination of

employment prior to 

retirement

If you have completed at least five years of 

Vesting Service at the time of termination of your 

employment, you will be eligible to receive a 

Vested Terminated Participant Benefit.

Q.10 on page 14 

Q.11 on page 15

Available payment

forms

You may choose to receive your pension under 

any one of a number of payment options available 

under the Plan. Q.8 on page 11 

Pre-retirement Survivor 

Annuity

If you have been married for at least one year and 

die after completing at least five years of Vesting 

Service and prior to the time you begin to receive 

payments under the Plan, your Spouse will be 

eligible to receive a Qualified Pre-retirement 

Survivor Annuity. Starting March 1, 2009, there 

is a monthly reduction in your pension benefit 

for maintaining the Pre-retirement Survivor 

Annuity unless the appropriate waiver of such 

benefit has been executed.

The Qualified Pre-retirement Survivor Annuity 

may begin at the earliest date you would have 

been eligible to start your pension if you had 

survived. 

Q.14 on page 18 

Participants who retired 

prior to July 1, 2015

The amount of your pension remains unchanged.

Reemployment may affect your pension. 

Death benefits may be available under the Plan. 

Your beneficiary may be entitled to certain 

guaranteed payments.

Q.18 on page 22 

Vested deferred

participants who 

terminated prior to July 

1, 2015

The amount of your age 65 pension benefit 

remains unchanged from the date of your 

termination. 

You may be entitled to post-termination benefit 

improvements if you are rehired as an active plan 

participant. 

Death benefits may be available under the Plan. 

You can begin your pension as early as age 52.

Q.19 on page 22 

36.95
5

Q.1 WHAT TERMS HAVE SPECIAL MEANING? 

Throughout this booklet, the underlined terms which are set forth in alphabetical order 

and defined in this Q.1 are used frequently. These terms will help you to understand 

how your pension plan works. You may find it necessary to refer back to the definitions 

below as you read this booklet. 

Accrued Benefit

The amount of a monthly Normal Retirement Benefit starting at age 65 that you have 

earned as of a given date. The amount is calculated the same as a Normal Retirement 

Benefit (see Q.5, “How Much Will I Receive At Normal Retirement?”) but is based on 

the amount of contributions made (or required to be made) to the Plan on your behalf as 

of the date the calculation is made. 

Board of Trustees or Trustees

This is the official body appointed under the Trust Agreement to administer the Plan. 

One-half of the Trustees are appointed by the Union whose employees are covered by 

the Plan and one-half of the Trustees are appointed by the Employers. 

Break in Service

This is a term that is relevant if you are rehired by an Employer, and a determination is 

being made of your right to a reinstatement of service. (see Q.12, “What If I Am 

Rehired After I Terminate Employment?”) A Break in Service takes place as of the July 

1 of the first Plan Year in which all conditions set forth below are met: 

• You are no longer employed by an Employer. 

• You fail to earn at least 1⁄4 of a year of Credited Service during the Plan Year. 

Solely to determine whether a Break in Service has occurred for purposes of 

determining vesting, if you are absent from work on or after January 1, 1985 for 

maternity or paternity reasons, you will receive credit for a maximum of 1⁄4 of a year of 

Credited Service. This Credited Service will be applied in the first Plan Year needed to 

prevent a Break in Service. An absence from work for maternity or paternity reasons 

includes pregnancy, birth of a child by you or your Spouse, adoption, or the need to care 

for your child for a period of time following a birth or adoption. 

If you are on an unpaid leave of absence under the Family Medical Leave Act 

(“FMLA”), to the extent required under the FMLA and solely for purposes of 

determining whether a Break in Service for vesting purposes has occurred, you will 

receive credit for service during the period of family leave if necessary to prevent a 

Break in Service. 

36.96
6

Collective Bargaining Agreement(s)

These are the agreements between the Employers and Union pursuant to which the 

Employers are committed to contribute to the Plan on behalf of employees covered 

thereby. 

Credited Service

This is the service used to determine eligibility for various types of retirement pensions 

under the Plan where eligibility is based on completion of a minimum period of service. 

(see Q.4, “When May I Retire?”)

You will receive a full or fractional year of Credited Service for each Plan Year based 

on the number of weeks of contributions made on your behalf during such Plan Year in 

accordance with the following schedule: 

Weeks of 

Contribution in a

Year of

Credited Service

0 – 5

6– 15 

16 – 25 

26 – 35 

36 or more

0

1⁄4 

1⁄2 

3⁄4 

1

Different schedules applied for Plan Years beginning prior to July 1, 1990. These can 

be obtained from the Plan Administrator. Also, the Plan document contains special 

service counting rules applicable to specific groups of employees who became covered 

under the Plan under special situations such as a plan merger. Further, individuals who

are reemployed following military service are entitled to certain service credits for 

military service provided they meet certain conditions. 

Employer(s)

Any association, individual, partnership, corporation or limited liability company which, 

under the terms of the Trust Agreement, has agreed to contribute to the Plan pursuant to 

a Collective Bargaining Agreement, and satisfies the requirements for participation as 

established by the Trustees and agrees to be bound by the Plan. 

Employment Commencement Date

The first day you are entitled to receive Credited Service for the performance of duties 

for an Employer. 

Participant

Any employee of an Employer for whom contributions are required under the Plan 

pursuant to a Collective Bargaining Agreement who has satisfied the eligibility and 

administrative requirements to participate in the Plan. (see Q.2, “When Do I Become A 

Participant?”)

36.97
7

Pension Plan or Plan

The International Association of Machinists Motor City Pension Plan. 

Permanent and Total Disability or Permanently and Totally Disabled

A physical or mental condition affecting a Participant which totally and permanently 

prevents the individual from engaging in any regular occupation or employment for 

remuneration or profit. The condition must render the Participant eligible for disability 

benefits under the Federal Social Security Act. A Participant will not be considered to 

be suffering from Permanent and Total Disability if his condition resulted from military 

service, or if the condition occurred when the employee was not an active Participant. 

The Disability Benefit was discontinued as of January 1, 2009. If you are eligible to 

receive a Disability Benefit as of January 1, 2009, it remains payable until the earlier of 

the date you are no longer disabled or age 65, at which time you have obtained a Normal 

Retirement Benefit. 

Plan Year

The 12-month period beginning each July 1 and ending the following June 30. 

Reemployment Commencement Date

The first day you are entitled to receive Credited Service for the performance of duties 

after a termination of employment. (see Q.12, “What If I Am Rehired After I Terminate 

Employment?”)

Spouse or Surviving Spouse

The individual lawfully married to a Participant provided the Participant was married to 

such individual for at least 12 months. 

Trust Agreement

The agreement entered into between the Union and the Employers pursuant to which the 

Trust Fund was established. 

Trust Fund

The International Association of Machinists Motor City Pension Fund. This is a 

pension trust which serves as a funding vehicle for the Plan. 

Union

The Machinists Motor City Lodge 698, District 60, International Association of 

Machinists and Aerospace Workers, and any and all Lodges of the International 

Association of Machinists and Aerospace Workers in the State of Michigan which have 

executed a collective bargaining agreement with any association or individual Employer 

who satisfies the requirements for participation as established by the Trustees and agrees 

to be bound by the Plan. 

36.98
8

Vested Terminated Participant

A Participant whose employment ends after he or she has completed at least five years 

of Vesting Service, but prior to satisfying the eligibility requirements for early 

retirement. 

Vested Terminated Participant Benefit

This is the retirement benefit a Participant will be entitled to receive if his or her 

employment ceases after completion of at least five years of Vesting Service, but prior 

to the time such individual qualifies for early retirement. 

Vesting Service

This is the service credit utilized to determine whether any Participant’s right to a 

pension is nonforfeitable, or, with respect to any Participant whose employment ceases 

before he or she is eligible to retire, whether such Participant is entitled to a Vested 

Terminated Participant Benefit.

Each Participant will receive one year of Vesting Service for each Plan Year during 

which he or she earns at least 1⁄2 year of Credited Service. A Participant’s Vesting 

Service will never be less than his or her Credited Service. 

Q.2 WHEN DO I BECOME A PARTICIPANT? 

You will begin to participate in the Plan when all of the following requirements have 

been met: 

• You have been hired as an employee by an Employer that has agreed to contribute to 

the Plan pursuant to its Collective Bargaining Agreement. 

• You have satisfied the eligibility rules contained in that Collective Bargaining

Agreement, if any, in order to begin your participation in the Plan. 

• You have completed the necessary application forms in order to begin your 

participation in the Plan. 

Upon becoming a Participant, you will begin to accrue benefits under the Plan. 

Q.3 WHO PAYS FOR MY BENEFITS? 

Your Employer pays the full cost of your benefits by contributing to the Trust Fund. 

You are not required to contribute to the cost of your retirement benefits under the Plan, 

nor are you permitted to make any contributions to the Plan. 

36.99
9

Q.4 WHEN MAY I RETIRE? 

• Normal Retirement Date

You may elect to retire and begin receiving a pension as early as the first day of the 

month coincident with or immediately following your 65th birthday which is your 

Normal Retirement Date. You make your election by filing a retirement application. 

(see Q.17, “How Do I Apply For Benefits?”)

• Late Retirement Date

If you remain employed beyond your Normal Retirement Date, you may apply to 

retire as of a Late Retirement Date which must be the first day of the month after 

you choose to stop working. If, however, during the continuation of your 

employment after your Normal Retirement Date, the level of Employer 

contributions on your behalf decreases to less than one week per month, your Late 

Retirement Date will occur automatically as of the first day of the next month. 

• Early Retirement Date

You may elect to retire as of the first day of any month before you reach age 65 if 

you satisfy either of the following conditions: 

- You have completed at least five years of Credited Service and are at least 52 

years of age. 

- You have completed at least 25 years of Credited Service. 

Such date is referred to as your Early Retirement Date. You make your election by 

filing a retirement application. (see Q.17, “How Do I Apply For Benefits?”)

• Disability Retirement Date

The Disability Benefit was discontinued as of January 1, 2009. If you were eligible 

to receive a Disability Benefit on January 1, 2009, it remains payable until the 

earlier of the date you are no longer disabled or age 65, at which time you have 

obtained a Normal Retirement Benefit. 

• Effect of Transfer to Noncovered Employment

If, during the period of your participation in the Plan, your Employer transfers you 

to a position within its organization in which you are ineligible to continue your 

participation in the Plan, you may later apply for a normal, early or late retirement 

pension provided you meet the eligibility requirements. During your employment in 

the ineligible classification, you will be permitted to receive any type of pension for 

which you qualify as of the date of your transfer or for which you later meet the age 

requirements, although you will not receive any pension benefit accrual while you 

are employed as an employee in a position to which participation in the Plan has not 

been extended. 

36.100
10

Q.5 HOW MUCH WILL I RECEIVE AT NORMAL RETIREMENT? 

If you retire on your Normal Retirement Date, you will be entitled to receive a monthly 

lifetime retirement benefit computed as follows: 

Normal Retirement Benefit Formula 

(for benefits earned on or after July 1, 2006) 

0.5% x (“The sum of employer contributions made on your behalf”)

(A different multiplier applies to benefits earned prior to July 1, 2006) 

The following example illustrates how a Normal Retirement Benefit is calculated. 

Assume the following information: 

• The Participant was born in 1949. 

• He retired in the year 2014 at the age of 65 years and 0 months. 

• At the date of his retirement, he had completed 11 years of Credited Service and he 

is 100% vested. 

• He had Total Employer contributions of $56,800. $6,500 in contributions were 

made under the Plan on his behalf after June 30, 2004 and prior to July 1, 2006 and 

$50,300 in contributions were made after June 30, 2006. 

The Participant’s monthly pension at Normal Retirement Date would be $381.50 per 

month (prior to reduction to maintain pre-retirement death coverage), calculated as 

follows: 

Calculation of Normal Retirement Benefit

Contribution Period

Benefit 

Rate Contributions

Accrued 

Benefit

 6/30/04 to 7/1/2006 2.0% x $6,500.00 = $130.00 

After June 30, 2006 0.5% x $50,300.00 = $251.50 

Total Accrued Benefit at Normal Retirement Date* $381.50 per month

 

*Reduction to receive an optional form of benefit or to maintain pre-retirement death benefit will 

be applied unless coverage was waived. 

If a pension plans enters endangered or critical status it may result in changes to future 

benefit accruals and reduction of future benefits. Participants are notified annually of 

the Plan’s funded status.

Q.6 HOW WILL MY PENSION BE CALCULATED IF I RETIRE 

EARLY? 

Your Early Retirement Benefit is calculated under the same formula as your Normal 

Retirement Benefit. If you retire prior to age 65, your monthly pension will be reduced. 

The amount of such monthly reduction, if you retire from active employment on or after 

January 1, 2009, is 5/9 of 1% for each of the first 72 months between the date your 

pension commences and the first day of the month following your 65th birthday and 3/10

of 1% for each of the next 84 months. However, if as of June 30, 2009 you were at least 

62 years of age and had completed at least five years of Credited Service or, 

36.101
11

alternatively, if you had completed at least 25 years of Credited Service at any age and 

ceased working under the Plan on or after July 1, 1998, your benefit will not be reduced 

as a result of early retirement. 

The following table describes the percentage of your pension that you would be entitled 

to receive based on the age your pension begins: 

Age When Payment 

Of Pension Begins

Early Retirement

Percentage

65

64 

63 

62 

61 

60 

59 

58 

57 

56 

55 

54 

53 

52

100.00%

93.33% 

86.67% 

80.00% 

73.33% 

66.67% 

60.00% 

56.40% 

52.80% 

49.20% 

45.60% 

42.00% 

38.40% 

34.80%

(Adjustments will be made for intermediate ages) 

The following example shows how an Early Retirement Benefit is calculated assuming 

the following facts: 

• The Participant retired early on September 1, 2014 at age 59. 

• At the date of his retirement, he had completed 8 years of Credited Service and he is 

100% vested. 

• Total Employer contributions of $50,300 were all made under the Plan on his behalf 

after June 30, 2006; therefore the Accrued Benefit at Normal Retirement Date is 

$251.50 (.005 x $50,300 = $251.20). 

• The Participant and his Spouse waived the pre-retirement death coverage. 

The Participant’s monthly pension at his Early Retirement Date would be $150.90 per 

month, calculated as follows: 

Calculation of Early Retirement Benefit

1. Monthly Accrued Benefit at Normal Retirement Date: $251.50

2. Reduction to maintain pre-retirement death benefit*: N/A

3. Early Retirement Factor: 0.6000

4. Monthly Early Retirement Benefit Payable the First Day

 of the Month Following 59th Birthday: ((#1 minus #2) x #3): $150.90 per month

*Reduction to receive an optional form of benefit or to maintain pre-retirement death benefit will be 

applied unless coverage was waived.

36.102
12

If a pension plans enters endangered or critical status it may result in changes to future 

benefit accruals and reduction of future benefits. Participants are notified annually of 

the Plan’s funded status.

Q.7 WHAT IF I BECOME DISABLED WHILE WORKING? 

The Disability Benefit was discontinued as of January 1, 2009. If you were eligible for

a Disability Benefit on January 1, 2009, it remains payable until the earlier of the date 

you are no longer disabled or age 65, at which time you have obtained a Normal 

Retirement Benefit, except as otherwise stated below. 

 

Payment of your Disability Retirement Benefit will stop if, at any time prior to your 65th

birthday, you cease to be Permanently and Totally Disabled. 

If you recover from your condition before you turn 65 and are rehired by an Employer, 

your Credited Service and Vesting Service prior to your Disability Retirement Benefit 

will be reinstated.

If, following your recovery, you are not rehired, you will be treated as though you 

separated from service on the date your pension stopped. You will continue to be 

eligible for other forms of retirement under the Plan provided you satisfy the applicable 

age and/or service requirements. 

Q.8 HOW WILL MY PENSION BE PAID WHEN I RETIRE? 

If you are unmarried when you retire, you will receive a monthly pension for your 

lifetime. This type of pension is called the normal form of payment and is described 

below. 

If, at the time you retire, you have been married for at least one year, unless you elect 

otherwise with spousal consent, your benefit payment form will be a reduced monthly 

pension for life. After your death, your Surviving Spouse will be paid 75% (or 50% if 

you elected otherwise) of the monthly payment you were receiving for the rest of his or 

her life. This payment method provides protection to your Spouse after your death and 

is called the 75% Surviving Spouse Option (or the 50% Surviving Spouse Option). This 

form of benefit is described in more detail below. 

You may elect to receive your pension in an optional payment form. The various forms 

of payment available under the Plan are discussed below. The examples shown are for 

the purpose of illustration only. If you are married, your election will not be valid unless 

your Spouse consents, in writing, to whatever payment form you select. Your Spouse’s 

written consent must be notarized or witnessed by a representative of the Plan. Your 

actual pension will be calculated on the basis of your personal circumstances and the 

reduction factors in effect at the time your payments begin. 

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Normal Form of Payment

The normal form of payment provides you with a monthly pension for your life. When 

you die, no benefits will be paid to your Spouse, designated beneficiary(ies) or to your 

estate. 

Five Year Certain

This form of payment provides you with a reduced monthly pension for your life. Sixty 

monthly payments are guaranteed. If you die before you receive sixty payments, then 

the remaining guaranteed payments will be paid to your Spouse, designated 

beneficiary(ies) or to your estate if a valid beneficiary designation has not been 

submitted. 

75% Surviving Spouse Option

This form of payment provides you with a reduced pension during your lifetime. The 

reduction depends upon the age of you and your Spouse at the time your pension begins. 

Your pension will be reduced in accordance with the IAM Motor City Pension Plan 

75% J&S Factors Table in Exhibit 2A & 2B of the Restated Plan. After your death, 

your Spouse (if living) will receive 75% of the monthly pension you were receiving for 

the remainder of his or her life. 

The following is an example of how the pensions of the Participant and Spouse are 

calculated under the 75% Surviving Spouse Option assuming the following facts: 

• The Participant is retiring at Normal Retirement Age (age 65) and his vested accrued 

benefit at Normal Retirement Date is $1,000.00 per month. 

• The Participant was age 59 when pre-retirement death benefit coverage began. The 

monthly percent reduction is .045% for age range 55-59 and .075% for age range 

60-65. The reduction to maintain this coverage is $50.40 ($1,000.00 x ((.00045 x 12 

months) + (.00075 x 60 months))) since the participant is retiring at age 65. 

• Based on the ages of the Participant (age 65) and Spouse (age 64) at the date 

payments begin, the 75% Joint and Survivor conversion factor is .81768. 

The Participant’s monthly pension at Normal Retirement Date, payable as a 75% 

Surviving Spouse Benefit, would be $776.47 per month, calculated as follows: 

Calculation of 75% Surviving Spouse Option

1. Monthly Benefit at Normal Retirement under Life Annuity $1,000.00 

2. Reduction to maintain pre-retirement death benefit $50.40

3. Monthly Benefit at Normal Retirement after Reduction to maintain preretirement death benefit (#1 minus #2) $949.60 

4. Factor to convert from Life Annuity to 75% Joint & Survivor 0.81768 

5. A) Participant's Monthly Benefit at Normal Retirement payable as 

a 75% Surviving Spouse Option (#3 x #4) 

$776.47 per month

B) If Participant dies and Spouse is still living, Spouse's monthly 

benefit is75% of the Participant's monthly benefit 

$582.35 per month

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If, after you begin to receive a benefit under either the 75% or 50% Surviving Spouse 

Option and your Spouse predeceases you, your pension will be restored to the monthly 

amount you would have received if the 75% or 50% Surviving Spouse Option was not 

in effect. 

50% Surviving Spouse Option

This form of payment provides you with a reduced pension during your lifetime. The 

reduction depends upon the age of you and your Spouse at the time your pension begins. 

Your pension will be reduced in accordance with the IAM Motor City Pension Plan 

50% J&S Factors Table in Exhibit 1A & 1B of the Restated Plan. After your death, 

your Spouse (if living) will receive 50% of the monthly pension you were receiving for 

the remainder of his or her life. 

The following is an example of how the pensions of the Participant and Spouse are 

calculated under the 50% Surviving Spouse Option assuming the following facts: 

• The Participant is retiring at Normal Retirement Age (age 65) and his vested accrued 

benefit at Normal Retirement Date is $1,000.00 per month. 

• The Participant was age 60 when he elected to maintain the 50% pre-retirement 

death benefit. The monthly percent reduction is .053%. The reduction to maintain 

this coverage is $31.80 ($1,000.00 x (.00053 x 60 months)) since the participant is 

retiring at age 65. 

• Based on age ages of the Participant (age 65) and Spouse (age 64) at the date 

payments begin, the 50% Joint and Survivor conversion factor is .87059. 

The Participant’s monthly pension at Normal Retirement Date, payable as a 50% 

Surviving Spouse Benefit, would be $842.91 per month, calculated as follows: 

Calculation of 50% Surviving Spouse Option

1. Monthly Benefit at Normal Retirement under Life Annuity $1,000.00

2. Reduction to maintain pre-retirement death benefit $31.80

3. Monthly Benefit at Normal Retirement after Reduction to maintain preretirement death benefit (#1 minus #2) $969.20 

4. Factor to convert from Life Annuity to 50% Joint & Survivor 0.87059

5. A) Participant's Monthly Benefit at Normal Retirement payable as 

a 50% Surviving Spouse Option (#3 x #4) 

$842.91 per month

B) If Participant dies and Spouse is still living, Spouse's monthly 

benefit is 50% of the Participant's monthly benefit 

$421.46 per month

If, after you begin to receive a benefit under either the 75% or 50% Surviving Spouse 

Option and your Spouse predeceases you, your pension will be restored to the monthly 

amount you would have received if the 75% or 50% Surviving Spouse Option was not 

in effect. 

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Social Security Leveler Option

If you choose to retire and begin receiving your pension before you begin to receive 

Social Security benefits, you may elect the Social Security Leveler Option form of 

payment. This will provide you with a larger pension under the Plan prior to the time

you begin to receive Social Security benefits and reduced benefits from the Plan once 

you begin to receive Social Security benefits. The purpose of this payment form is to 

provide you with approximately equal payments in total both before and after the date 

your Social Security benefits first become payable. This Option is not available when 

the Plan is in Critical Status. 

Q.9 MAY I CHANGE MY ELECTION AFTER I ELECT A PAYMENT 

FORM? 

You are permitted to change your election of a payment form at any time before your 

pension payments are scheduled to begin. If you are married, you must obtain the 

written consent of your Spouse to change an election. The consent of your Spouse must 

be witnessed by a representative of the Plan or a notary public. You must use the form 

provided by the Plan Administrator if you wish to change any election. 

Once pension payments begin, you may not change your payment form even if your 

marital status changes as a result of your marriage, remarriage or divorce. However, if 

you had elected a Surviving Spouse Option and your Spouse predeceases you, your 

pension will be restored to the monthly amount you would have received if you had 

elected the life annuity option. 

Q.10 DO I FORFEIT MY PENSION IF I DO NOT REMAIN 

EMPLOYED UNTIL I AM ELIGIBLE TO RETIRE? 

If your employment ends before you reach retirement age, your right to receive a 

pension will be preserved if you are vested at the time your employment ends. You 

will forfeit the right to receive a pension if your employment ends before you have 

earned a vested right to receive a pension.

Your right to receive a pension will vest upon your satisfaction of either of the 

following conditions: 

• Completion of five years of Vesting Service; or 

• Attainment of age 65 while you remain employed. 

If your employment ends before you turn 65 at a time when you have not yet 

completed at least five years of Vesting Service, you will not be eligible for a pension. 

If your employment ends after you complete five years of Vesting Service, and you 

have not retired yet, you will be a Vested Terminated Participant. As a Vested 

Terminated Participant, you will be eligible to receive a benefit. 

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Q.11 WHEN CAN I START TO RECEIVE MY VESTED 

TERMINATED PARTICIPANT BENEFIT? 

You can start to receive a Vested Terminated Participant Benefit as early as age 52 or 

you may delay the commencement of your benefit until your Normal Retirement Date 

(age 65). The monthly pension will not be reduced if commencement of payment is 

deferred until your Normal Retirement Date. If payments commence before your 

Normal Retirement Date, the pension will be reduced by 5/9% of 1% for each of the 

first 96 months and by 5/18% of 1% for each of the next 60 months between your 

benefit commencement date and your Normal Retirement Date. 

The following table describes the percentage of your Normal Retirement Benefit you 

could expect to receive at each age between ages 52 and 65: 

Age When Benefit Begins Percentage of Vested 

Accrued

65 

64 

63 

62 

61 

60 

59 

58 

57 

56 

55 

54 

53 

52 

100.00% 

93.33% 

86.67% 

80.00% 

73.33% 

66.67% 

60.00% 

53.33% 

46.67% 

43.33% 

40.00% 

36.67% 

33.33% 

30.00% 

(Adjustments will be made for intermediate ages) 

Q.12 WHAT IF I AM REHIRED AFTER I TERMINATE 

EMPLOYMENT? 

If you had a vested right to a pension when your employment ended, and you are 

subsequently rehired, your pre-termination Credited Service and Vesting Service will 

be reinstated as of your Reemployment Commencement Date. 

If you did not have a vested right to a pension when your employment ended and you 

are subsequently rehired, subject to satisfaction of the eligibility requirements of Q.2 

upon being rehired, your pre-termination Credited Service and Vesting Service will be 

reinstated as of your Reemployment Commencement Date if you satisfy either of the 

following conditions: 

• If the number of consecutive Breaks in Service you incurred during your absence 

is less than your total years of Vesting Service prior to your most recent Break in 

Service. 

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• If the number of consecutive Breaks in Service you incurred during your absence 

is less than five. 

If you do not meet either of such conditions, your pre-break Credited Service and

Vesting Service will not be reinstated upon your reemployment. 

If, pursuant to the provisions of the Collective Bargaining Agreement under which 

you participate in the Plan, you are granted a leave of absence to enter the Armed 

Forces of the United States, you will receive Credited Service, Vesting Service and 

contribution credit under the Plan for your military service at the time you are rehired 

by an Employer according to the following: 

• If you are later reemployed by an Employer within the limits specified under the 

veterans’ reemployment laws, you will receive service credit and contribution 

credit (to the extent not otherwise payable by an Employer under the Collective 

Bargaining Agreement) as of your date of reemployment based on the service and 

contributions you would have otherwise been compensated. 

• If you are not reemployed within the limits specified under the veterans’ 

reemployment laws, you will not receive service credit and contribution credit for 

the period of your military leave, but will be treated as having terminated 

employment on the date of your military leave. 

• If you become disabled while on military leave due to your military service, and if 

you are not able to return to work within the limits specified under the veterans’ 

reemployment laws, you will be treated as having terminated employment on the 

date of your military service related disability and you will receive service credit 

and contribution credit (to the extent not otherwise payable by an Employer under 

the Collective Bargaining Agreement) for the period of your military leave until 

the date of your service related disability. You will also become 100% vested in 

your benefit under the Plan as of the date of your disability; however, you will not 

become eligible for a Disability Retirement under the Plan due to a disability 

incurred during military service. 

• If you die while on military leave due to your military service, your benefit under 

the Plan will become 100% vested as of the date of your death. You will receive 

service credit and contribution credit (to the extent not otherwise payable by an 

Employer under the Collective Bargaining Agreement) for the period of your

military leave until the date of your death. A death benefit will be payable to your 

beneficiary in accordance with the death benefit provisions of the Plan. 

• You will receive any benefits and rights you are entitled to under Federal Law 

including the Uniformed Services Employment and Reemployment Rights Act of 

1994 (USERRA) and The Heroes Earnings Assistance and Relief Tax Act of 2008 

(The HEART Act). Please contact the Fund Office for more information if you 

enter military service.

The amount of your service credit will be based on the number of weeks of 

contributions for which you receive credit during your period of military service. 

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You will not lose Credited Service or Vesting Service while you are on sick leave and 

receiving Workers’ Compensation benefits as a result of injury or disease sustained in 

the course of your employment with an Employer. Further, you will not lose Credited 

Service or Vesting Service during any period you are on personal sick leave in 

accordance with the provisions of the Collective Bargaining Agreement under which 

you are covered and receive pay from an Employer or sickness and accident benefits 

from an arrangement to which the Employer contributes. 

Q.13 DO I RECEIVE ANY BENEFIT IMPROVEMENTS THAT ARE 

MADE WHILE I AM ABSENT IF I RESUME PARTICIPATION 

IN THE PLAN WHEN I AM REHIRED? 

A Vested Terminated Participant who resumes participation in the Plan upon his or 

her reemployment will, upon commencement of his or her benefits under the Plan, be 

entitled to any benefit improvements which became effective during the period of his

or her nonparticipation in accordance with the following rules: 

• If the Employer that funds the reemployed Participant’s benefits upon his or her 

resumption of participation in the Plan was a contributing Employer to the Trust 

Fund on the last date before the Participant’s prior employment ended as of which 

contributions to the Trust Fund were required to be made on such Participant’s 

behalf, then, provided the Participant was not absent for more than 12 consecutive 

months during any period Employer contributions would have otherwise been 

made under the Plan on his or her behalf, such returning Participant will be 

entitled to any benefit improvements which became effective during the period of 

his or her absence immediately upon resumption of participation in the Plan. If the 

Participant was absent for more than 12 consecutive months during any period 

Employer contributions would have otherwise been made under the Plan on his or 

her behalf, then, upon completion of at least one-half of a year of Credited Service 

upon resumption of participation in the Plan, such returning Participant will be 

entitled to any benefit improvements which became effective during the period of 

absence. 

• If the Employer that funds the reemployed Participant’s benefits upon resumption 

of participation in the Plan was not a contributing Employer to the Trust Fund on 

the last date before the Participant’s prior employment ended as of which 

contributions to the Trust Fund were required to be made on such Participant’s 

behalf, then, regardless of the length of the Participant’s absence, such returning 

Participant will not be entitled to any benefit improvements which became 

effective during the period of absence until such Participant has completed at least 

1⁄2 of a year of Credited Service upon resumption of participation in the Plan. 

Notwithstanding the foregoing, a reemployed Participant will not be entitled to benefit 

improvements during any period of absence if Employer contributions would not 

otherwise have been made on behalf during such period of absence nor shall such 

Participant be entitled to any benefit improvements which became effective during the 

period of absence if such improvements are no longer in effect at the time such 

Participant’s benefits under the Plan commence.

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• Termination of Employment

If you have not earned a vested right to a benefit under the Plan (see Q.10, “Do I 

Forfeit My Pension If I Do Not Remain Employed Until I Am Eligible To 

Retire?”), you will lose your Credited Service and Vesting Service as of the first 

day of the Plan Year in which you have terminated employment and fail to earn at 

least 1⁄4 of a year of Credited Service. If you are later reemployed, however, your 

Credited Service and Vesting Service may be reinstated under the conditions 

described in Q.12, “What If I Am Rehired After I Terminate Employment?”

• Divorce or Legal Separation

The Plan is required by law to obey court orders that require a portion of your 

benefits to be paid to a Spouse, former Spouse, child or dependent, if such an 

order is determined by the Administrator to be a “Qualified Domestic Relations 

Order.”

You may obtain, without charge, a copy of the procedures relating to Qualified

Domestic Relations Orders from the Trust Fund Office. 

• Death After Retirement

For the normal form of payment, all payments will cease after your death. 

For the five year certain form of payment, all payments will cease after your death 

assuming you have received at least 60 months of payments. 

• Death Before Retirement

For married participants, if you have a vested right to a pension and die before you 

retire, a Pre-retirement Survivor Annuity is provided under the Plan unless the 

appropriate waiver of such benefit has been executed (see Q.14, “Does The Plan 

Provide Any Benefits If I Die Before My Pension Starts?”). If you do not have a 

vested right to a pension and die before you retire, no benefits will be provided 

under the Plan on your behalf regardless of marital status. 

• Recovery from Disability

If you are receiving a Disability Retirement Benefit and you recover from your 

disability before you turn age 65, your disability pension will stop. In such event, 

you will remain eligible to receive any other type of pension under the Plan you 

may qualify for. 

• Reemployment During Retirement

If you are receiving any type of pension under the Plan and you are rehired by an 

Employer required to make contributions on your behalf to the Plan, your pension 

will stop. At the time you retire again, your pension will be recalculated to account 

for any additional Employer contribution made on your behalf and to account for 

the benefit payments you had already received. This newly calculated amount can 

never be less than the amount you were receiving previously. 

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• Continuation of Employment Beyond Normal Retirement Date

If you remain employed beyond your Normal Retirement Date, the following 

consequences will occur: 

- Your pension will not start as long as your Employer continues to make at least 

one week of contributions on your behalf per month. 

- You will be provided with a notice explaining that payment of your pension is 

being suspended as a result of the continuation of your employment beyond 

your Normal Retirement Date. 

- Upon your ultimate retirement, you will receive pension credit for contributions 

made on your behalf during your post-Normal Retirement Date service until 

your Late Retirement Date. 

- Your Late Retirement Date will occur on the first day of the month as of which 

the frequency of Employer contributions on your behalf decreases to less than 

one week per month. 

- However, the law requires that you begin receiving distribution of your benefits 

beginning on the April 1 following the close of the calendar year in which you

attain age 70 1⁄2. 

Contact the Plan Administrator if you have any questions relating to the details 

with respect to postponement of pension payments as a result of continuation of 

employment beyond your Normal Retirement Date. 

• Maximum Benefit Limitations

There are legal limitations on the amount of retirement benefits you may receive 

under the Plan. These limitations typically affect large benefits. 

• Plan Amendment and Termination

The Trustees intend to continue the Plan indefinitely. However, they reserve the 

right to change or terminate the Plan if necessary. 

No amendments that adversely affect the pensions of Participants who have 

already retired or the Accrued Benefits of any Participant shall be made except as 

required by law or, in the Trustees’ view, critical to the continuation of the Plan. 

If a pension plans enters endangered or critical status it may result in changes to 

future benefit accruals and reduction of future benefits. Participants are notified 

annually of the Plan’s funded status.

If the Plan is terminated, the Plan assets will be distributed in the order of priority 

set by the Employee Retirement Income Security Act of 1974 (ERISA) which 

regulates pension plans. If assets remain after the liabilities for all accrued 

benefits and expenses have been satisfied, all benefits will be increased as 

necessary to liquidate the excess assets. In no event can money go back to an 

employer after termination. 

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Q.17 HOW DO I APPLY FOR BENEFITS? 

Before you can receive a benefit under the Plan, an application must be submitted in 

writing to the Plan Administrator on forms available from the Plan Administrator. 

All applications require time for processing. Therefore, you must file your application 

for retirement benefits in advance of the date you want your payments to begin. If you 

fail to file your application at the earliest time you are eligible to receive benefits, your 

benefits will begin after your application is processed, but no retroactive payments 

will be made. Once your application is received, the Plan Administrator will notify 

you with a general description of the material features and options available under the 

Plan. 

When you are eligible or nearing a time when you will be eligible for a benefit under 

the Plan, contact the Plan Administrator for the appropriate forms and for assistance in 

completing your benefit application. At that time, you will be informed of your 

payment options and you may select a benefit commencement date. 

Within 90 days of receiving your application, the Trustees will make a decision about 

your benefit rights. If your application is denied, the Trustees must supply you with 

the following information in writing: 

• Specific reason for the denial; 

• Specified Plan references used in making the decision; 

• Descriptions of any additional information needed to approve your application; 

• Explanation of why the additional information is necessary; and 

• Explanation of the application review procedure. 

Within 60 days of receiving the notice of this decision, you or someone authorized to 

represent you, may: 

• Submit a written request to the Trustees to review the decision; 

• Review the Plan documents used in making the decision; and 

• Submit issues and comments in writing to the Trustees. 

Within 60 days of receiving the request for review, the Trustees must render a 

decision in connection with its review and forward to you a written copy of the 

decision and a summary of the following: 

• Specific reasons for the decision; and 

• Specific Plan references used in making the decision. 

If your appeal of a claim for benefits is denied and you believe you are entitled to the 

benefit claimed, you may take your case to court. 

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Q.18 WHAT SIGNIFICANCE DOES THIS BOOKLET HAVE IF I 

RETIRED PRIOR TO JULY 1, 2015? 

Your benefit was calculated at the date of your retirement on the basis of the 

aggregate contributions made on your behalf and benefit formula in effect. However, 

you should be aware of the following matters which may be of particular significance 

to you: 

• Reemployment – See Q.16, sixth bullet captioned “Reemployment During

Retirement.”

• Death Benefit – See Q.15, captioned “Does The Plan Provide Any Benefits If I 

Die While I Am Receiving Benefits?” 

• Surviving Spouse Options – See Q.8, sections titled “75% Surviving Spouse 

Option,” “50% Surviving Spouse Option” and “Both Surviving Spouse Options”

• General Plan Information – See Q.20, captioned “Is There Anything Else I Should

I Know About The Plan?”

Q.19 WHAT SIGNIFICANCE DOES THIS BOOKLET HAVE IF I AM 

A VESTED TERMINATED PARTICIPANT WHO 

TERMINATED PRIOR TO JULY 1, 2015? 

Your age 65 benefit was fixed at the date of your termination of employment on the 

basis of the aggregate contributions made on your behalf and benefit formula then in 

effect. However, you should be aware of the following matters which may be of 

particular significance to you: 

• Reemployment – See Q.12, captioned “What If I Am Rehired After I Terminate 

Employment?” Also, Q.13 captioned “Do I Receive Any Benefit Improvements 

That Are Made While I Am Absent If I Resume Participation In The Plan When I 

Am Rehired?”

• Death Benefits – See Q.14, captioned “Does The Plan Provide Any Benefits If I 

Die Before My Pension Starts?”

• Commencement of Pension – See Q.11, captioned “When Can I Start To Receive 

My Vested Terminated Participant Benefit?” 

• Benefit Application – See Q.17 captioned “How Do I Apply For Benefits?”

• General Plan Information – See Q.20 captioned “Is There Anything Else I Should

Know About The Plan?”

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Q.20 IS THERE ANYTHING ELSE I SHOULD KNOW ABOUT THE 

PLAN? 

Name of Plan

International Association of Machinists Motor City Pension Plan 

Plan Amendment or Termination

The Trustees intend to continue the Plan indefinitely. However, they reserve the right 

to amend, modify or terminate the Plan if necessary. 

Administration of the Plan

Although the Plan Administrator is the Board of Trustees, the general administration 

of the Plan is handled by the Fund Office, 700 Tower Drive, Suite 300, Troy, 

Michigan 48098, telephone (248) 641-4951 or (877) 361-2244. The fund office staff

is selected and governed by the Trustees. Its personnel, with consultation of the

Trustees, make all the rules and regulations necessary for efficient administration of

the Plan. Although they cannot alter the terms, conditions or benefits of the Plan, such 

personnel generally make decisions regarding any questions, interpretation or 

application of any Plan provisions. Such interpretations are subject to the claims 

procedures described in the Enforce Your Rights paragraph on page 29. The Fund 

Office personnel also review all applications for benefits to ensure that all Plan 

provisions are administrated uniformly and without discrimination. 

Location of Board of Trustees

The address of the Board of Trustees is International Association of Machinists Motor

City, Board of Trustees, 700 Tower Drive, Suite 300, Troy, Michigan 48098, 

telephone (248) 641-4951 or (877) 361-2244. 

Management Trustees Union Trustees

Raymond J. Buratto, Esq. Bernard Bennett, YCR

PO Box 80722 14876 Russell Avenue

Rochester, MI 48308 Allen Park, MI 48101

Sam Pilger Sean McDonald

Director, Labor Relations IAM District 60

USF Holland, Inc. 9315 Middlebelt Road

750 East 40th Street Romulus, MI 48174

Holland, MI 49423-5342

Pension Benefit Guaranty Corporation Insurance

Your pension benefits under this multiemployer plan are insured by the Pension 

Benefit Guaranty Corporation (PBGC), a federal insurance agency. A multiemployer 

plan is a collectively bargained pension arrangement involving two or more unrelated 

employers, usually in a common industry. 

36.115
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Under the multiemployer plan program, the PBGC provides financial assistance

through loans to plans that are insolvent. A multiemployer plan is considered 

insolvent if the plan is unable to pay benefits (at least equal to the PBGC’s guaranteed 

benefit limit) when due. 

The maximum benefit that the PBGC guarantees is set by law. Under the 

multiemployer program, the PBGC guarantee equals a participant’s years of service 

multiplied by (1) 100% of the first $11 of the monthly benefit accrual rate, and (2) 

75% of the next $33. The PBGC’s maximum guarantee limit is $35.75 per month 

times a participant’s years of service. For example, the maximum annual guarantee for 

a retiree with 30 years of service would be $12,870. 

The PBGC guarantee generally covers: (1) normal and early retirement benefits; (2) 

disability benefits if you become disabled before the Plan becomes insolvent; and (3) 

certain benefits for your survivors. 

The PBGC guarantee generally does not cover: (1) benefits greater than the maximum 

guaranteed amount set by law; (2) benefit increases and new benefits based on plan 

provisions that have been in place for fewer than five years at the earlier of: (i) the 

date the plan terminates or (ii) the time the plan becomes insolvent; (3) benefits that 

are not vested because you have not worked long enough; (4) benefits for which you 

have not met all of the requirements at the time the plan becomes insolvent; and (5) 

non-pension benefits, such as health insurance, life insurance, certain death benefits, 

vacation pay and severance pay. 

For more information about the PBGC and the benefits it guarantees, ask your Plan 

Administrator or contact the PBGC’s Technical Assistance Division, 1200 K Street, 

N.W., Suite 930, Washington, D.C. 20005-4026 or call 202-326-4000 (not a toll-free 

number). TTY/TDD users may call the federal relay service toll-free at 1-800-877- 

8339 and ask to be connected to 202-326-4000. Additional information about the 

PBGC’s pension insurance program is available through the PBGC’s website on the 

Internet at http://www.pbgc.gov. 

Assignment of Benefits

For your protection and the protection of your dependents, your benefits under this 

Plan cannot be assigned, used as collateral for a loan and, to the extent permitted by 

law, are not subject to garnishment or attachment, except as provided in a Qualified 

Domestic Relations Order. 

Agent for Legal Process

The agent for legal process is the Administrative Manager. Service of legal process 

may also be made upon the Board of Trustees. 

Employer Identification Number

The Employer Identification Number is 38-6237143. 

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Plan Number

The Plan Number is 001. 

Fiscal Year End

The fiscal year end is June 30. 

Type of Plan and Funding

This Plan is a defined benefit plan. Your benefit is based on a specific formula. The 

Plan benefits are funded by contributions made by Employers to the Trust Fund 

pursuant to Collective Bargaining Agreements. The annual contributions made by 

Employers are reviewed by an actuary for purposes of determining that such 

contributions are within the required ranges mandated by law. 

Collective Bargaining Agreement

The Plan is maintained pursuant to provisions of Collective Bargaining Agreements 

between the Union and various Employers. The Collective Bargaining Agreements 

specify the contributions which are payable by the Employers on behalf of eligible 

Participants. Upon written request from a Participant, the Plan will advise whether any 

particular Employer is a sponsor of the Plan. Copies of particular Collective 

Bargaining Agreements may be obtained upon written request to the Fund Office, and 

are available for examination during normal business hours. 

Effect of a Mistake

In the event of a mistake or misstatement is made in regards to your benefit or the 

benefit to your beneficiary, the Board will, to the extent it deems possible, recover the 

amount paid in error from you or your beneficiary. The interpretations and 

determinations of the Board shall be final and binding unless found by a court of 

competent jurisdiction to be arbitrary and capricious. 

Your Rights Under ERISA

As a Participant in the International Association of Machinists Motor City Pension Plan 

you are entitled to certain rights and protections under the Employee Retirement Income

Security Act of 1974 (ERISA). ERISA provides that all Plan Participants are entitled to:

• Receive Information About Your Plan and Benefits

Examine, without charge, at the Plan Administrator’s office and at other 

specified locations, such as worksites and union halls, all documents governing 

the Plan, including insurance contracts and collective bargaining agreements, 

Trust agreement, and a copy of the latest annual report (Form 5500 Series) filed 

by the Plan with the U.S. Department of Labor and available at the Public 

Disclosure Room of the Employee Benefits Security Administration 

Obtain, upon written request to the Plan Administrator, copies of documents 

governing the operation of the Plan, including insurance contracts and collective 

bargaining agreements, and copies of the latest annual report (Form 5500 series) 

and updated summary plan description. The Administrator may make a 

reasonable charge for the copies. 

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Subject to limitation allowed by law, obtain a copy of any periodic actuarial 

report, a copy of any quarterly, semi-annual or annual financial report prepared 

by an investment advisor or other fiduciary or a copy of the application filed 

with the Secretary of Treasury requesting an extension of amortization periods 

under Section 304 of ERISA and the determination of such Secretary pursuant to 

such application. Requested reports must be in possession of the Plan for at least 

30 days before the Administrative Manager is required to furnish the reports. 

These reports must be requested in writing and are not required to be given more 

than once every 12 months. The Administrative Manger may make a reasonable 

charge for the copies. 

Receive a summary of the Plan’s annual financial report. The Plan Administrator 

is required by law to furnish each Participant with a copy of this summary 

annual report. 

Obtain a statement telling you whether you have a right to receive a pension at 

normal retirement age (age 65) and if so, what your benefits would be at normal 

retirement age if you stop working under the Plan now. If you do not have a 

right to a pension, the statement will tell you how many more years you have to 

work to get a right to a pension. This statement must be requested in writing and 

is not required to be given more than once every 12 months. The Plan must 

provide the statement free of charge. 

• Prudent Actions by Plan Fiduciaries

In addition to creating rights for Plan Participants, ERISA imposes duties upon 

the people who are responsible for the operation of the employee benefit plan. 

The people who operate your Plan, called “fiduciaries” of the Plan, have a duty 

to do so prudently and in the interest of you and other Plan Participants and 

beneficiaries. No one, including your Employer, or any other person, may fire 

you or otherwise discriminate against you in any way to prevent you from 

obtaining a pension benefit or exercising your rights under ERISA. 

• Enforce Your Rights

 

If your claim for a pension benefit is denied or ignored in whole or in part, you have 

a right to know why this was done, to obtain copies of documents relating to the 

decision without charge, and to appeal any denial, all within certain time schedules.

Under ERISA, there are steps you can take to enforce the above rights. For 

instance, if you request a copy of Plan documents or the latest annual report 

from the Plan and do not receive them within 30 days, you may file suit in a 

Federal court. In such a case, the court may require the Plan Administrator to 

provide the materials and pay you up to $110 a day until you receive the 

materials, unless the materials were not sent because of reasons beyond the 

control of the Plan Administrator. If you have a claim for benefits which is 

denied or ignored, in whole or in part, you may file suit in a state or Federal

court. If it should happen that Plan fiduciaries misuse the Plan’s money, or if you 

are discriminated against for asserting your rights, you may seek assistance from 

the U.S. Department of Labor, or you may file suit in a Federal court. 

36.118

36.120
36.121
International Association of Machinists Motor City Pension Fund

EIN/Plan #: 38-6237143/001

Checklist Item #36 – 7.06 Recent Plan Documents

Document 36.3

The Most Recent 

Favorable Determination Letter

Please refer to the following pages.

36.122
36.123

36.125