Bricklayers & Allied Craftsmen Local No.7 Pension Plan 

Checklist Item #36 

Does the appli cation include: 

• the required plan documents; 

• any recent amendments; 

• the summary plan description (SPD); 

• the sumnuuy of material modil1cations; und 

• the most recent determination letter? 

See section 7 .06. 

Copies of the required plan documents are provided as follows: 

• Document 36. 1: plan document (20 14); 

• December 36.2: plan amendments (20 15); 

• Document 36.3: summary plan description (SPD) (20 12); 

• Document 36.4: no s ummaries of material modification have been distributed since 

the last restatement, but the Pension Plan did issue a recent § 204(h) notice (20 16); 

and 

• Document 36.5: current detennination letter (20 15). 

36.1 
7.06 Rcccnf· Plun Documents 

See the following pages. 

Docu mcnt 36.1 

Plan Document 

36.2 
BRICKLAYERS 

AND ALLIED 

CRAFTSMEN 

LOCAL 7 PENSION 

PLAN 

Efkdivc May I. 2014* 

-

• Except as Othcrwi<c 1\:otcd 

36.3 
-\BL : OF O~n:NTS 

ARTICLE 1: OF:FINITIONS ....................................................................................................... I 

1.1 Accn.tcd Llcncfit. ..................................................................................................... I 

1.2 Active Panicipanl.. .................................................................................................. 1 

1.3 i\ctuarial Equtvalent. ............................................................................................. 1 

1.4 Administrative Manager ...... ..................................................................... ............. 2 

I.S Alternate Payee ....................................................................................................... 2 

1.6 Beneficiary .............................................................................................................. 2 

I. 7 Orc:ak in Service ...................................................................................................... 3 

1.3 Computation Period For Eligibility To Panicipatc ................................................. J 

1.9 Contiguous f\on-Cov(:rcd Servi ce ......................................................................... 4 

1.10 Corllrihtlli(ons .......................................................................................................... 4 

1.11 Covered Sen ice ...................................................................................................... 4 

1.12 Domestic Relations Order ...................................................................................... 4 

1.13 Larlic$1 Retirement Age .......................................................................................... 4 

1.14 Fori) RctirllltlentAge ......... ................................................ .............................. 4 

1.15 Empk>yee ................................................................................................................ 4 

1.16 Employer ................................................................................................................. S 

1.1 7 Fiduciary ................................................................................................................. 6 

1.1 8 Forfeited Service ..................................................................................................... 7 

1.19 Hours o i'Scrvicc · Huurs W~>rk~d .......................................................................... 7 

1.20 lnucti vc Purtil:ip<mt ................................................................................................. 8 

1.21 Jmi di tion of this Fund ......................................................................................... 9 

1.22 Lensed employees .................................................................................................. 9 

1.23 Maternity Paternity Lea' cs of Ah~cnce .................................................................. 9 

1.24 f\on-\' c,toXJ Employee or Pantctpant . .................................................................... 9 

1.25 l'iunml Retireme-nt Age .......................................................................................... 9 

1.26 Original Plnn ......................................................................................................... 1 o 

1.27 Participant ........................................................................................................ 10 

2~ Pension Plan .......................................................................................................... II 

1.29 Plan Y eur ............................................................................................................... I I 

1.30 Quali lied Dom<:>tic Relations Order ..................................................................... 1 I 

1.31 Qualified Joint and Survivor 13cnctit. .................................................................. II 

1.32 Qualified Prc-Rctircmcnl Sur.i,or Ocndit. ......................................................... II 

1.33 RcC1pmcil}. .................. ... . ........................................................................... 11 

1.34 Rt:"'tah:rn..:nl O~h: . ................................................................................................. 12 

1.35 Retirement Benefit or l3euc1it> ............................................................................. 12 

1.36 Same Geographic Area ...................................................... .................................. 12 

I .37 Some Industry ....................................................................................................... 12 

1.3R Smn.: Trmlc ni'Cratt ............................................................................................. 12 

139 Spvuse or Eligible Spouse .................................................................................... 12 

1.40 Tennmatcd \'cstcd Participant ............................................................................. 1 '\ 

1.41 Total and Pcnnanent Disahihty . ........................................................................... 13 

1 -12 T rust Agreement . ............................................................................................... 1.1 

I .43 Trust Fund ............................................................................................................. I 3 

36.4 
1.44 n•~1~c~ ................................................................................................................ 14 

1.45 Jni.~n .................................................................................................................... 14 

1.46 Vested f'articipunt. ................................................................................................ 14 

1.47 Vesting und flcncfi1 Accrual Computa1ion Period ................................................ 14 

1.48 Year u f Service .................................................................................................... I 'i 

ARTICLE 11: CLASSES OF BENEFITS ...................................... ......................................... 19 

2.1 Clas.,cs nl' Flt!ndil:> ................................................................................................ 19 

2.2 N\ln .. r>uplication ofDenefit:) . ................................................................................ 19 

ARTICLE 111: ;-.101t.\L<\L RETIR£:\IEI\1 BENEFITS .......................................................... 20 

3. 1 Elig•bility for Nurmal Retirt:m~t Benefits ............................................................ 20 

3.2 Arnount ufNonnal Retire:mcm Uto:ncfi1 .................................................................. 20 

3.3 Fonn of Ucnefit.. .................................................................................................... 21 

3.4 Conuncnccmcnt ofNonnal Rc1ircment Ben.,;tits .................................................... 21 

3.5 C'olculntinn ufRenelit lor Te lll nut~'() Vested Participants ..................................... 22 

ARTICLE TV: EARLY IU:TlltE~~T BENEFITS .............................................................. 23 

.f.l Eligibility for early Retirement B~'llc fi ts ............................................................. 23 

4.2 Amoum of Early Retirement Bc:ndit~ ................................................................ 2:1 

4.3 Fom1 of B~'llefit. ..................................................................................................... 23 

4.4 C'nmmc"Cc1n.;nt of Early Retiremcnr Benefits . ...................................................... 23 

ARTICLE V: OR~ S OF Bt::NEI-TI' & ELECl'IO:-l PROCF.DURF: ................................... 25 

5.1 Automatic Fonn of Retirement Ocnctit ................................................................. 25 

5.2 Eligibility For Qualilictl Joint ;mtl 50% Survivor 13enefits . .................................... 25 

5.3 Right of Election for the Qualitied Joint and SO% Survivor Ocncfi1.. .................. 26 

5A i\mountufQualifie\1 Joint and Survivor Benefit. .................................................. 27 

55 C'ommencement of Qualified Joint and 50% Survimr Bendits .............................. 27 

5.6 1\on-Applicabilit} of Qualified Join! anti 50"/o SurYivor Oencfit To Oisabilit) 

Ucncfit. .................................................................................................................. 28 

5. 7 Qu3hli.:.l Joint and I 00% Survivor Ucnefit Option .............................................. 2S 

5.S Quulilied Joint and 75% Uendit Option ............................................................... 28 

5.9 60 Month UuarAmcc .......................................................................... ............... 28 

AHTlCLE VI - f OTi\.L t\ .'110 PE MA~ENT UISABILITY BF:t\F:FITS .............................. 29 

I' . . I'D bT B . 6. 1 [; •rmnahon o 1sa 1 ll) em: I 11. ....................... ................................................. 29 

6.2 Eli,gibth ty For Total and Pcnmment J..>isability Benefits . ....................................... 29 

6.3 Fom1 of Benefit.................................................................... . ................. 30 

6.4 Amoum of Total and Pcnnancnt D•~ah1l ny Bcno:lits ............................................. 30 

6.5 Conuncnccmcnt ofTotal ond Pcnnanc:nt Disability Benefits. ................ ............... 30 

6.6 Tem1inotion uf'Bc•rdih f~•r Tot<ll Jlld Pennanenr Oi;..'lbility ................................ 30 

6.7 Rc-F.mplt>>1nem After Tenninatil' n ofTmnl and Pcmwn~"' t Di -..~hi lity Benefit. .... 31 

ARTICf.E \ '11- VESTING ........................................................................................................ 32 

7.1 Vesting Schcduk: ............ ................................................................................... 32 

AR'l'ICLE VIII : OEATil RF:;'IIF. F'ITS ....................................................................................... 34 

R.l ""'·Retirement Death Bene lit ................................................................................ 34 

8.2 f'o$1 Retircm.:nt Death 13cncfit ~ ............................................................................. 36 

8.3 I· at lure to Dcstgnntc A Beneficiary ....................................................................... J7 

8.4 i\pplit'JliCin fnr Death Bendi~ ............................................................................... 37 

ARTICLF. IX: SL'SI'F.I\SIOl'\ OF BEl'\J::Fl I'S ........................................................................ 38 

ii 

36.5 
\!. I ~uspcnsion of Bcncti1 Ru lcs .................................................................................. J R 

9.2 Reinstatement o I' Retirement Benclit ~ .................................................................... 3 8 

9.3 A0t1vo Pa11 icipants \Vho \Vork Beyond Nonnal Retirement 1\ gc ........................... 39 

9 .+ Noti tkntion nnd Presumpuon ................................................................................. 40 

9.5 Advance Determination ................................................... ...................................... 40 

9.6 Rc;umphon of Benefits ....................... ................................................................... 40 

9. 7 Rl'WH'I')' ur Overpayments - 01&:1 Rule ............................................................... 41 

,\RTIC1.E X: Qt:ALLFU:o 00:\'ll:STIC RELATIOI\S ORDER ...... ................................... 42 

lO.I Qualified Dom~tic Rclattons Order .................................................................... 42 

I 0. ~ A 1tcrna1c P~> ee .................................................................................. , ................... 4 3 

10.3 Spendthnlt Ex,cption ti>r Qu~lified Domestic Relations Order>; ............................ 43 

I 0.4 Proc~"\lurcs for Notice and Dctcnnirullit111 by Plan Administrutive Manager ........... -U 

ARTICLE XJ: PLAI'> ADi\IINISTRATION ANI) BF.NEFJT l>IS'l'KlllUTIOI\' ................... 44 

11 .1 Resrxmsihility f(>r Admini~trution . ......................................................................... 44 

I 1.2 f iduci,try Duties ..................................................................................................... 44 

11.3 Limitmion on Rights to Benefits ........................................................................... 44 

11 .4 Benefits Limrtoo ~ PL-nsion Plan ......................................................................... 44 

I 1.5 As~tgnmcnt ul' Bendit.~ ..... ..................................................................................... 4 5 

11 .6 F orti:itures ........................................... , .................................................................. 4 S 

1 I . 7 Deli nitc 13encfi£. .................................................................................................... 4 5 

I I .8 Limilnli<)ll of Benefits . ........................................................................................... 45 

11.9 Rollovcrs ............................................................................................................... 45 

l l .l 0 F,>rlcitubility ot'Bt'nelits ........................................................................................ 46 

11 .11 Pmct.'dures for Qu;~lified Oome~tic Relations Orders ........... ................................. 47 

11. 12 Incapacity ................................................................ ............................................ 47 

11.13 O.:mh llcncfiH Payable to :Vhnors ........................................................................ 47 

11.14 lnfom\auon Required ............................................................................................ 4 7 

11.15 '<n R<Jwrsi<m to F.mpk•)crs .................................................................................. 47 

1 I . I () Dupli t:utkm of Benefits .......................................................................................... 48 

11.17 Freezing Benefits at the Time the lndi\'idual Terminates Empln>mcnl. ................. 4S 

I I . I S Ucndcr ................................................................................................................... 4R 

II. 19 Corn nccm~nt tl t' Bcnd i ts "'"' vkth\>d of Pa)ment ............................................ 48 

11.20 Retrouctiw Annuity Starting Dates ...................................................................... 49 

11.21 Rd.tti'c Value of Benefits .................................................................................... 50 

11.22 Consequences of Deferral ..................................................................................... ~0 

11.23 Trustee Dt>crctionary Authority ........................................................................... 50 

11.24 HEART Act Pmvi~ions ......................................................................................... 50 

ARTICT .F: :\'11: 1.11\1 ITA TION Of BEN EFI'l S ....................................................................... 52 

12.1 C'ompcns~ri on ....................................................................................................... 52 

12.2 Maximum Bcnefi t Limitation ................................................................................. 53 

ARTICLE XIII: 13 F.\'F.FlT PROCEDUn ES ......................................................................... ... 54 

13.1 Apphcntion filr Retirement Llencfirs. Vested 8cncfits and D~ th Benefits ............. 54 

13.2 Election of Ucnefits...................................... .... . .. ......................................... 54 

13.3 :-1otification of Approval or :-:on-approval of Application ................................... 55 

.\RT!Cl.F. :XIY: FU?\DNG OF Bf.:"ff.FITS ............................................................................. 61 

14.1 Sourc.: ofC't•ntrihunons ........................................................................................ 61 

iii 

36.6 
1-1.2 i\o Reversion to Emplor.:r:; ................................................................................ fi 1 

1-I.J lm c;,tm.:nl and Funding Pol iCj ............................................................................. 61 

14 A Actu.uial Valuation.' and Plan Re' ic\\ ................................................................. 61 

1-1.5 PP A Rt'<j u ired \' aluauons ..................................................................................... 61 

ART! C:J.E X\' : TO 1'-III!:A V Y I' lW VIS 10!'\S ...... .. .. .... ... .. .................................... 62 

15 .I Top H ~a vy Provisions ................................................... ........................................ 6 2 

ARTICL£ XVl: A:\IF::'ID:VfL'IT ANI) TF:Rl\fll'ATIO-" 01' PLAN ..................................... 64 

16. 1 Plan Amendments............. ...... .. .. .. .. .. .. .. .... .. ... .. .. . .. .. . .... .. .. . . ............................... 6-1 

16.2 Tcrminntion or Disconl inuancc of th~ Plun. .. ....................................................... 6-t 

16.3 Procedure,; In Evcnt nf Tc.., 'ni nution vr l)iscotllinwuu:c: ......................................... 65 

16.4 :VI isBi ng Parti <;ipunl ~ .............................................................................. ............... 65 

16 .. ' 

~ V cstlllg ' on ·1· emunatJon . . 65 ...................................................................................... .. 

16.6 ~ lcrgcr or Consohd3taun uf th~ Plan ..................................................................... fi6 

IV 

36.7 
AR I'ICU: 1: L>J::FL'IITIO:'IS 

1.1 Accrued llcncfit. 

(A) The term "Accrued Flcndit" means the li f1.:time monthly benefit commencing at 

:-:ormal Retirement Ag~ whiclt u l'ut1icipanl or tormcr Participant htlS cnrncu, hast:{! 

on such Participrull''s Y ca rs nf Service and the bene lit fonnuln as att:d in Alticlc 

3.2. 

I .2 Active Participant. 

(A) The t~rm "Active Participant" mc.m' a Participant who has not yet hecomc a wired, 

disabled or d~ea,:;t:{i P:trttcip.tnt. who has not yet suffered forfeited S.:r. icc, und 

who has accnaed uti east one Year ofScT\il'c out of the t110 prc..'cdang Pl~n Years. 

1.3 Actuarial Equivalent. 

(A) The tcnn "Acruarial Equi,·alcm" mcnns n benefit having the ~run.: 'ulue a:; the 

benefit which it replaces. 

(B) For tho purposes ul' ~tcnnining optional [onns of benefit other than single sum 

c;l.:iht,uts. the detennination of nn Actuarial Equivalcnl atulllily sh(lli be n~sed upon 

1i1c Unisex Pension 19S4 (UI'·S4l mortnliry table, such table ~cts hock 5 y~an; for 

joint aJuntit(lJJIS and Altcm:llc Payees under Qualified Dnmel>lic Relutious Orders. 

Mll on interest mrc 01'6 Y•'~•· 

((') For rhe determination of the :mwunl of a single sum cashout. the applicable mter~1 

rate means the adjusted first. second, (l!ld third segment rates npphcd un.lcr rules 

similar to the mlcs of Code section 430 (hX2)(C) (uet<rmint!d by not taking imo 

accNtnl an~ adjustment unde-r d~us~ (i1) thcreol) f<.>c the tn(mth before the date <)f 

the distribution or such nthct tim~ us the Secretary may by fe!,'1.tlations prescribe. 

(0) Applicable segmeot rates 

(I) ThtJ adju>ted lir>l, ;.c~:nnd, a nd ch ird segment mtcs are the first, scconn, and 

third segment rut<:s which w0uld be determined under Code section 430 

(hl(2)(C) (detennined by n()t taking into account nny adjustment under 

clause (iv) thcrc:of) if 

(it) Cod~ ~.:<:tk>n 4JO (h)(::!)(O) were applied by substituting the averago: 

yields for t:1c month described in subparngrnph (R) for the <tvcrnge 

yields for the 24-month ))<!nod descnb«< in \Uch st:elton, 

(b) section 4.10 (hX2)(Ci)(i)(ll} were applied by substituting "section 417 

(~)(3)(A)(it)(ll)" for •·section 412 (b)(5)(l3)(ii)(ll)". and 

36.8 
(c) th~ npplicablc percentage uno.h:r ~c<:tit'll 430 (h)(2)(G) were 

dctcm1incd m a-:Clmlun-:c with the following I Able: 

Distributions in Plan 

Year 13cgituling 

200~ 

2()()() 

2010 

2011 

2012 

Applicable Perccnl~gc 

20 percent 

40 percent 

60~rccnt 

RO percent 

100 percent 

{F.) Notwithst;mding tlte foregoing. the dcttmlination of the amount of tl single ~um 

cashottl paid on ot· after May I. 2008 shall be based on the m011'olity mblc ~pecific:o.l 

untkr I.R.C. *430(h)(3)(A) {without regard to the 430(h)(>)(C') suh;.titute mortality 

labh: <>r the I.R.C. 430(h)(3Jt U) monality table for the di~abled). 

1.4 Administrnti\c anager. 

(A) The t~rm "Adm>mstrath·.., :\tanager" means the manag,:r •:mpl<•ytd by the Board of 

Trustt:t:$ in uccordance with the Agrccmcm anti D.xh.u·.ui<lll t>fTrust. 

1.5 Altemnte Payee. 

(A) The tern> ",\lt..,mult: Payee• menns a Participant'> Spou"'· litnnt,- Spt>use, child or 

nth<:!' 1h:pendem who is recog.nizoo by~ Domestic Rclutiun' Order as having a right 

to receive all, or a portion or: th.: h.:nefits und.:r t1is l'lnn, with respect tu the 

l'anictpam. 

1.6 B~'T>cll cirll). 

(A) Tht term "IJ.:neliciary" mean~ the Spouse to whom u l'nl1icipnnt or 1;muer 

l'llrticip:mt was manicd if Lhe Partidpunt'~ death occurred nflcr i\ugust 22. 19M. 

unless ch Spot.L~e ha.~ conscnttxl in writing to a non-spouse Beneliciary and the 

consent ha.' h<.'<!n uitn=~l by a Plnn representative orb~ a nutury public. 

(B) An lllllll~rricd Panicii)ant's "Bendkwy" mo:ans the J>erwn(s) designated b) the 

Panicipan(s latest written nntk~ t~> the Board ofTmstccs prior to hi~ h<-'1' death. 

(C) In the .:vent ntl Y<tlid 13cncficinry d~signatull'l ha;. hten liled with the Board t>f 

Tn.1stces :~t the date of an unmarried Purticipunt's death. or if the Participw•t is not 

smvh·cJ by th.: Bcndiciary dc:$ignated. the 13encficinry Sh<lll h<: prmided for in 

i\ rticlc R .. l. 

2 

36.9 
l. 7 Break in Service. 

(;\) TI1c t~nn ''Break in Service" mcuns a Pl an Year beginning on or after nn Empil>)~ 

bt:C!>n1~S un eligible Purticipam cluring which the Participant f:uls to acquire 435 

lll>urs of Service. Hours of Scrvic.: shall be r.:cogni/.ctl li>r matemil> and paternity 

leaves of absence. as dcful<\J O) the Plan. S<>lely for purposes of dctcnnining 

whether a Brc:1l.. i~ Sen icc ha< occurred. It shaU oot be ~onstdcrcd a Break in 

Scmu:c if' :t PJrticipant is unable to maintain a Year of Scr.icc beca!J!)C of an 

accidem or illness or bcc.1usc of ~en icc in I he Annt!~l Forces. ptuvided the 

Admi111stmuvc Manager ;, noti lio:<l of such drcumsmnceo on :1 form satisfactory to 

the Tntstl'l!S. Provided further, cffc.:tivc December 12. I \194. the provisions. where 

appr~>priate.ufU tited Services Employment and Reemployment RighL< A<.:tof 1994 

shall also apply as f()llows: 

(I ) An individual reemployed under Uniformed Services Employm.:nt and 

Reemplo)1nent Rights Act (CSERRA) is trc.Jh:d under the Plan as not 

ha' ing incurred a Break 111 Scr-.1c" '' ith the F.mpl"y~r maintaining the Plan 

hccausc of the mdl\lduaJ', period of .. qualified miliral)' seJVicc", i.e .. any 

s~rvice in lhe unifonned services by atl)' iodhidual '' ho is entitled to 

reempkl)ment rights under USERRA, L'tC §414(u)(5}. 

(2) EnciJ period of qualified military service by un individual is. upon 

reemployment under the Uniformed Sen·ices Employment and 

Rccmplnymcnt Rights Act {USERRA) considered under the Plan L\> b.: 

'crvict: "ith the Emplo)l!r mnintaining the Pion for the purposes oJ: 

Ia) dctcnniuing the nnnforfeitahility ot the tmltvidual's Accrued 

Benefit; un<.lt.,'f the Plan, and 

(h) det~m1ining the :1cc-runl of bcttcfits under the Plan 

(U) IH the '~sc of an Employee who is ~>n ti tloo to a y.,,k~l Bcnc:lit hut who has suffcrL\J 

a 8rc11\.. in Service and then rclum' to (:ClVered Service with an EmpiO}Ilr. the 

Emplu}~ 'hall purtictpatc: in the l'lnn immediately upon rct\trnms to such Ct>vered 

Set,· icc. In the case of ao Employee with no Vested B.:nclit who su'>tains a Break in 

Sen·icc in which the number of ~'tmsc...:utt\c YCHrS in ''hkh he.'she has incum~J a 

Break in Scn1icc arc 11Jss than the: number of Years of Service for which hc.';he had 

rt.'Cdwd crctlit, th~ F.mplt>yee shnll pilrticipate immcdintcl) upon returning to 

Cov..:rcd Service with <m Employer. 

1.8 Computatton Period F,>r Eligibility Tu Participate 

(A) Th Cmnruta.tion Period used to dctcnninc an r:mploycc·, cligthility to partil·ipatc 

in the Plan shall be measured fmm the lirst day of the F.mpluyc:c:\ first payroll 

pcrioJ. a; ),)ng o~ the payrnll period ., no more than J I d<t)'S. and ending on the 

:.nni'c"ary ufth~ la't day ofsuc:l: p:t)10II pcnod. 

J 

36. 10 
I 9 C<mtigttlll" Nnn-C'owred Service. 

(A) Contiguous Non-Covered Service shall mean Non-(o~cr~d Sen ice with the same 

single !Zmploycr which irmnedwtdy pr~cedes or imrnedintcly follows Cown:d 

s...., ic:~ wh~rc no quil dtsch:trgc. lar-off or retirement occurs between such C~>vered 

Ser. ice mul Non·C'o,·ercd S~:rvicc. 

1.10 Contnbut1ons 

(A) l hc term "Contributions" means payment !o th.: Trust Fund by an Employer as 

req uired under appl1cahk C'olk,ctivc A;trgaining Agrccmcms or other wtitt~ n 

a~;reemcms. 

1. 11 Covered Service. 

(A) The tcnn "C'uvered Service'' means that Service with on Employer or Employcn; 

maintaining a Plan within n job cl.lsslfication or class of Emphl}<:e. ctl\<.:red under 

til<! Plan that compensation i• paid ror nr is entitled to payment for. in accordanco.: 

with the collective har~;aining agreem.-nl 

I .12 Domc:~tic Rclallons Or<.kr. 

(A) l'hc term "Domestic Relations Ordcr" mean, a jutlgnu;!llt. ~~ w or <>rder (including 

appnwnl of a propert:r st:tllt:mcnt ugrc~1lll.'nt) that (I) relntes to the pro\'ision pf 

child ~upport, alimnn} payment~ or marital property rights to a SpotL~e. I!Jrmer 

Spouse, chllll or other dependent of a Participant and (2) is made pursuant to a state 

domc~tic relations law (includmg a commum!y proper!) law). 

1.1 J Earliest Retirement Age. 

(;\) The n "E<~rl ie~t Retirement Age" mcMs !l1c carlic,t dille 011 which a Partir.:.ipnnt 

could elect to receive retirement bene lib under the Plan. 

1.14 Early Rct•rentcnl Age. 

(A) Tho: tenn "Early Retirement /l.r,c" means the age pnor to th: Parttcip;lnfs 621>1 

birthday 11 hen he! she first n:ach;;s age 55 and hliS bt."!!n crc~litc'(l with l 0 or more 

Years <lrScl'\icc. 

1. 15 Employee. 

(/I.) TI1.: term "Employee" m~an' : 

(I) All l:.mployees represented for the purp<hC of colkctl\ c hargaining by the 

L'nion who perfonn mon.: than 50"·u nfhi' hcr wt>O. as barlc(aining umt woO. 

fix an Emp!u)'" who i' •C<luired to make coJUribuuons lo the TnJSt Fuml in 

4 

36.11 
axorJancc '"'h tht! rdcv<mt collecthe bargaming llb'l'Ccnwnl. These 

Emplo)~ 'hall he referred to as Collectively Bargainoo F.mplnyces. 

(2) All Employees wh,, nrc fonn~ Colb:ti""'Y 8:1rgnincd Lmplo>'CCS "hn are 

pclfonning work fur an Employer \\·hich is a pruty to a collective bargaining 

agrccm~nt or i~/ar~ Employees of rhc Union. ll1cse Empl<tyc.:s shall be 

reterr~l to ~~~ 13nrgnining Unit Alumni ami their pat11cip<tti(ln in the Plan is 

pennitted only if the Plan ticks 1wt treat Bargaining Unit Alumni n10rc 

favorably than sim1lurly ~it uat~~l Colle,tivcly Bargained Empluy.:~~ and rhm 

M mon.: tlum s•;, of the Paniciprults in the Plan arc Nun-collectively 

Bargained t:mployccs. For purpu,es uf wsting and benefit accrual tor 

Sef\icc cam"'<! on or aller May I, 1989. these Employees shall be ~un.,idercd 

a.~ Jl.on-cullccti\ dy Bargained Employees. 

(3) All other employees of the Uniun "h<> are not Bargaining L.nir Alumni who 

panicipatc on a no)n-<lis~Timinatory basis and arc not treated mon: fil\·orably 

than similarly >ituated Collectively Barg3incd Employe.:.• nr Rargaining Unit 

Alumni. These t::mployc.:s shall he referretl to ~ Non-coll ~ti\cly 

Bargained employee$. 

(4) Effective January I. 1993, ull Employees who were prcviJ)usly cmplo)·ed by 

ricklay~ s and Allied Crallsmcu Local No. 7 who a.~ or that date became 

Employe.:s of the Ohio 1\'orth ~m District COtmcil of' Rrickla)Clli nnd ,'\I lied 

Crallsmen, now known as 1\orthem Ohiu Atlmlni:stntlivc District Council, as 

a result of the merger of Bri~:klayers and Allied Craftsmen Local 7 into thfll 

Council. 

(5) Th" t.:rm "Employee" shall not include partner>. or -ell cmpluyed persons nn 

mutter how designated. 

(6) All EmplO)CC shall not he inelij!jble to participate tnthc ()cncfols of' the Plan 

b..:cau,~ ol' hiY1)er panicipation m a labor dispulu or hcc·ause of hiSihcr 

uhsen<:e from work due ro such labor dispute ur hecuu~e of his her being 

locked out by his/Iter t:mploy~-r 

l. 16 Employer. 

(A) ll)e tem1 "Employer" menus: 

( l) The Al..ron Divistun of the Associntcd Contractors of Oh1o and 1 he Akmn 

Ma.<on Contractvr.. Association, referred to imh vJduall) or collcchvcly a.<> the 

"A>Wdmion." Employers who arc pani~ 1t1 ..:olkcth·c bargaining 

ngrcemcm 1\'ith th.: l.'mnn us a fQUit of their affiliation with the AS'-<JCiation 

shall be ret.:m.o<J '"~~''Association employers." 

36.12 
(21 Any other mdl\ aduul. linn. a.-;.•odation. pannership or corporation "h<> is 

P<"'t<•nnmg "wl.. at the bncklayers and masonry indu~tl) anJ '' hu i' bound 

by a collecti\'e bargaining ng.rcc'lllcnt '' ith thc Union and therefore 

participates in and c.mtributcs tl' the Tru;t Fund. An l.!mrlo)cr'~ 

par1icip:atinn shall he on tem1s which the TnJStees, in their absolute 

discretion. 'hall d~ erminc. An Employer in this stabscction all he <.:!tiled 

an "[ndependent l.!mployca·." 

(3) If the Trustee:; prov>dc hy n:~o ution and if not judici~Ji y dctcnnin,'tl by u 

court ,,f linal jurbd"tion to be a violation of an} law or :autute. the tcm1 

"l.!mploy ... r" mny alw include the Cnion. prm tt ~d that lh~; 1 Inion first (a) 

becomes contractually uhliguted to make ..:ontributions on behalf ol' ib 

Employee~: t!J) ~agrh u Cl>py of this Agreement or in some <llhcr marmer 

ac.:c.:ept•thlc: to the Trustees consents in "citing Ill be h<JUnd hy the temlS of 

this Agreement; and (c) has bc-•n accepktl ll>r parti<:iJl'tlion in the Fund b) 

the Trustc.:s on tc'lms '' hich, in their absolute discretion. d1c Tntstcc:; shall 

detem1inc The.: Fmpk>yers in this subsection shall ha\c nt) '<>l~ in the 

s~:lection of Employer Trus1ccs. 

(4) Employer shall ulso indudc uny individual, firm, association. pnrtncr hip, or 

corporatiou who It••' u c.:oll ~c ive bargaining ag.rcemcut with the Tr~tee . 

tl<~.>' l'tmtributinns uccordi.ng to thm g.rc\) cm tn the Trust Fund on 

Aargaining llni t Alumni employed by it subject to the re~trict on;; or Section 

1.15. 

(5) The Emplo).m; shall. by the mal.ing of payments I<' the Tna<t Fund pt~r~uant 

ll• a c.:ollective barguimng ngr~cment be conclusi,·cly deemed Ill haq~ 

accepted and be bound by f1c Agreement and IA-..:larataon oi'Tr\L,I. 

I 17 l'iduci31y 

(A) The term "Fiduciuay" mcun' IIJ11.'f'l'Oil who: 

( 1) Exercises any discrcuoautry authority or discretionury control respecting 

management or this Platt or <:x~ ~es any authority or conll'l!l t·cspccting 

munugcuu.:n I or di X>si tion of its assets; or 

(2) Renders in,·cstmcnt advice tllr a f.::.: nr other compcn~at vn, dare(! or andircct, 

with rc.:spcct to any nl(lnie~ or other propeny of this Plan. or has any 

nuthority or re-JXm<ihihty to do so; or 

t3 l lias any di.s.:rct1011nry nuthorit} or di,cretaunary rt::.pvnsibilttv in the 

admimstrauon of this Plan. 

() 

36. 13 
1. 1:1 f orfeited Service. 

(.<\) ll1c tc1m "Ft•rfHted Servkc" 11 1~nn~ the 11\llllber of e~ s of Service os otherwtsc 

credited to 11 Panicipmu that becomes forfeited. lf a 0/on-Vc:;tcd I'm ploy~ 1., rti:it~ 

Servtcc under tlus Plan and subsequcmly rdunt' to ernp n~mo:nt with an Employer. 

hl).lsh.:: shnll he treakxl a-. tf he 'he were a new Employ~ tin;t beginning to work 

with an F.mplo)<'~". A '~tw Fmployee cannot !orf~it S<:rvico.: under tllis Plan. 

(H) For Pl3n Years prior to }.clay I, 1985, all Sen ice crwilw In a 1\un·V~>ted Employee 

~hall he ll1rfeited at the time 'ud1 Employee sutlC:~ con:.ecutive I year Break> ln 

Scrv c~ o::quallo or ex.cet."<ling S\ICh credited Service. 

(C) For Plnn Years C<)rnmencing nn or aflcr N1ay I, 1985, dll Scr\ ico: credited to a Nonc.~tetl ~mp oyc~ shall be fiJrfi:itt'<l at the time such Employee suffers eot\~ccut v<' 

one ytar Oreaks ln Setvice equaling or c~cccding the greater of 5 or the Employee's 

awcJ!atc number of years of Sen icc preceding such Bre-d!.. 111 Sen i~-e. 

(D) No Pl~n bend its 'hall 1:1<' ba;;c:d on hours worked for which Y cars of Service w~rl' 

cn:dittd that later become Forfeited Scn·ice. 

1. 19 !lours of Service· Hours Worked. 

(A) The• Rnurd of Trustees ha.s ~tlopttd the use of the alternative equivalency method vi" 

"hvurs W(trked" to credit !lours of Service for Particip,.1tion, Vesting. and Bc:nclit 

Accrual. 'll1c tenn "!lours Worked" or "Hours cf SCt'\ice" ~hall mean each hour for 

which :tn l;mploycc is paid or cntitlu.l t.l ra~menl for the pcrlurmanw of duties for 

on Fmpln}cr and hours for" hich hud. pay, irrespective or tnttigation of dan1agcs. is 

a" ard~d or agreed •~• by an F.mrl<•yer, to the extent that such !tW:trd or agro.,'t1111nl is 

inlen!le!l to wmp~:nsnte an Employee for periods during which the Employee would 

havo.: been c·ngaged in the pcrfonnancc of duties for the Emp oy~'T. For ~ purpose 

of rhc cqui,·alcncy DOL rcgulolic)ns 2530.200(h)-2(b)(c} nrc incorporated by 

reference. 

(8) E~d• h<•ur for which back p,.1y. irrespective of mitigation of d.unag~..,.. is either 

awarded or agreed to by the Employer. TI1crc will be"'' dupltcJtion of hours. llllls. 

for example. an ._,nplo)~\l "ho r<'CCI\CS a hack pa} a"ard tollowing •• detemlinntion 

that he 11r 'he "as paid at an unl~" ful rate for hours of service previously crcdittltl 

will ll(lt be c:ntitled w additional credit for the same hour; of service. These our~ 

will be credited to the Employee for the comput!l!ion pcriml c)r riod~ to which the 

awiU"d or agrcclllCill pertains rather than h~ t:o pu ion pe1iod in which the award, 

agreement or rayment is made. 

(C) Each hvur ti.)r wllich an Employee is absent ti·om \\or~ due It) 1\.latcmity/P.nernit) 

Lc.wcs of t\b<cnce as dctinu.l u1 S.:ction I :?3. fi,r the loole purr~o.•-.c of detennining 

"hcthcr a Brc!a~ in Sc!T\ tee has 11ccurred. Hours of Sc:tvil:c pursuant to thJs suh 

pamg:raph ~h.•ll be cr<-..lite<l (mly to the extent they would ha,·c been en::diteti but for 

7 

36. t4 
su<:h absence. or if such number of llours of Scn·icc credited pursuant h.l thi, sunparagraph exceed the nw1imum numl-cr of Honrs of Service nccd.xl tn prevent the 

occurrence of a Break 111 Sen tee in the Plan Year such ah><'llc.: bcgnh Howe> cr. if 

m th.: Plan Y~ar in " hich such ah>~n.:o: begin$, the Employee has 11 sufficient 

number t>f Hours of Service to prevent the occurrence of a Break in Service 11 ith<lut 

regard to tlus sub-par.lgmph. the Employee shall be credited with the minimum 

number ol' Hours of Service needed ttl prevent the occum:nce of a Are<Jk m Setv ~c 

<luting the Plan Year whi.:h irmnttliatdy follows tbe Plan Year in whicll the Absence 

begins. Notwith.;tanding the ftH'cgoing. no I !ours of Service shall be credited und.:r 

this sub-pt•rngrJph unless the Employee fumishc~ t.o the B<lard ol' Tru>tccs ~uch 

information as th.: Trustee may rc4uin: t1> establi~h (i) that th ~ l:.mplu}<:c's absence 

!Tom work is out' to the o.: wn~ described in this section and (ii) the number of days 

for which there was such an absence. The pro\lsiort.~ of th~;; sub-paragraph ~hall lll>t 

apply uniC$s U1c EmplO}.:C was in the ncti•o: l'enice of an Empl<>y~r immediately 

pri11r to such ab-;encc afkr January I. 1985. 

(0) Effective December 12. 19\1-1, c~tch hour for which an Emplo}·cc IS ah.,cnt !Tom 

work due to qualliicd mil nary service m the Armoo Forces <~I the United St.ltes. as 

defined in Section 1.48(F.), 1\>r the snit' purpose of detcnnining wh~!ther a l3rcak in 

Scrvic1:0 ha.s t>ccurn:d. Hour~ of Service pursuant to this subJJamgrnph (U) shall be 

cro:dited only to the extent rhcy Wcluld luwc been credited but for such nbscncc, or if 

such nmnbcr of !lours of ::>crvicc cannot be dctcnnincd, at the mtc of eight Hours or 

Service P'~r day of allscncc. In no C\ent, however, shall the numhcr 11t' Hours of 

Servi..;e crcdit.xl puNuant to this ~uhparugraph ([)) excel!() th~ minimum number of 

Huurs ofServit-e ne~d.:d to prevent the occurrence of a Break in Service in the Plan 

Year such absence begins. llowc,·er. if in the Plan Year such absence begins. th~ 

Employee had can1cd o ,uficicnt number of Hours or Sen icc to pre,cnt the 

occurrence of a Break in Service \\ ithout n.-gard tn thi» 'uhparugruph (D). the 

Employee ~hall he credited With the mimmum number of Hou~ or Sen icc needed 

to pre-.enl the occun.:n~e vi' ;1 Break in Sel'\ice d1.ring tl1c l'l,m Year which 

immediately folio\\ s the l'lan Year in which the absence bcgm~. 

(E) Hours of Sen icc w1l l he crcditc•l fi)r empk>ymenl with other members of an 

afliliat~ service gmup (umleo· IRS Code Section 414(111)). u ct>ntrolled group of 

COI']Jofdlions (\llldcr rRS Ct>dc Section 414(b )). cir a g.roup of trades 01' businesses 

under common control (under li{S Code Sc<:tion 414)(c)). of which the adopting 

Employer is a member. and nny llthcr entity required to b" ng~;n:gat<::<l with the 

Employcr puNIWllto IRS ('ode Section 41-l(o). 

1.20 lnnctin: Participant. 

(1\) TI1e knn "lnacliH: Participant" mo:an~ a Participant who hal> lll>t }t:l become a 

ro:tired, di5ahled. or dt:e<:"N:d l'.uticip:mt nnd who has not }et suffered n Forfcirurc tll 

Set'\ ice, and who has not Jccrucd m least l Year of Sci'\ icc out of the 2 prec<:<hng 

Plan Years. 

8 

36.15 
I 21 Jucisclu.:tmn ofthi' Fund. 

(A) 11\C tcrc u ri~dicti n nf this Fund" shall me<Ul ~ industry. trndc. nr era!\ in the 

l>wgr.cphicH I ca over which the l. clion has j urisdiction. 

1.22 Leased l:.mph>y,-.;:s 

(1\ ) Elli!cti\c January I. 1997. the: h:nn ··Leased Employee" m~ns an) person {other 

than an Employee of t:te rcc:cpicnt) "hn pursuant to ;en agreement bci\.\CC:n tho: 

1\:c pi~:nt nnd any other person ("lca,ing organization") has pccfonncd S~ viccs for 

the rccipcc::m (or l(lr the redpic:nt :end rdntcd persons dctcnnincu 111 nc.:mdance wit It 

IRC Se!etion 414(n)(6J\ on a substantially full ~ h.o ~ f(lr 11 period of at least 1 

year. and whose SctYiccs arc pcrllmn«.l undcr pricmsry direction or contro! by the 

c·cc:ipicnt. Contributions '" hunc lits prodded a Leased Employcc by the leasing 

org;mitation that are attributable to perfonncd tor the rccipit.~lt Employer shall h.: 

tr.:,ttcd as pro,ided by the recipient Ernploy.:r. 

(B) A Leased EmpiO}CC shall 011t he.: ~~msidered an Employee of the recipient if: (A) 

such Empl,l)cc '' c;ovo:r«.l by a money purchase pcnsi<111 plan pmviding: (I) a 

n• nintcgra ~...J Employer contribution rate of nt least I 0% or compensation, as 

delined in JRC SC!(;tion 415(,;)(3 ), but ic1clucling amt,unts Ctlntri buletl pursuant to u 

sala1)' reduction agrccmcm which are excludable from the Employee's gross mcu111c 

under IRC Section 126, 402(cl(3). 402(h)(l)(l3) or 403(b), (2) immcxliate 

p:miciplltion, unci (3) fi.tll anJ immediate vesting; and (B) Lc<lscd Employees do not 

wn~utut~ more than 20'}o of the l'l:cipicnt's nonhighl) wmpensatcd \lurk force. 

1.23 Matem.ity/Patcmit) Leaves of Absence. 

(A) "Mat<:mityrPatemity Lea\ t!S or Absence" means rul} absence ii·orn wolk for 

maternity l•r paternity rc:1sons for any period by rcaM>Il ul' the Employee·, 

pregnnncy, birth of the Employee's child, placemcnt of u child with the l:lmployc'-' in 

connection with the adoption tll' '"~h ~hil , or ;my absence for the purpose or caring 

for such child tor a period tmmcdmlclr fo llowing such birth oc· plac<'mcnt 

1.24 1\on-V~tc-d l'mployee or Panicipant. 

(A) n:c tcnn "Non-\'..:,tcd P~rt,cipant ~hall mean a PaJttcipJnt who has l~$s than 5 

Y ~"" ol S;;" ic:c:. 

1.25 1\onual Retirement Age. 

(I\ ) n~e u "N<•nnul Re ir~ ent Age" means, for Pnrticipants who do not have at least 

1 Ht1ur of Service after May I, I \/<17, the earlier of: 

(I) the 11m~ the Partccipanl atWIIb ut least age 62 and has been cru:lctt:d "ilh 10 

<>r more Ye-arsof'Servkc, en· 

36. t6 
(2) t:lc later of. 

(b) the tifth anniwr>Ul'Y or the time the Parti~ipant lin;t COOUllCllCCd 

pn11 icipnliN1 in the Plan. 

(B) The tem1 "'Konnul Retir~mcm t\gc'' fo1· Participants who dn have ut leu~t I I lour of 

Service alter May I, I 997 shall he the earlier of: 

1.26 Original Piau. 

(a) the tim~ h~ PJrticip:mt attains at lcnst age 62 nnd hns been credited 

with S or more Yc:1rs ofScnicc: or 

(h) the Iuter ul 

(i) age 65. or 

(ii) th ~ liflh anniwrsary of the time the Panicipanl lir.;t 

~'l>mmenccd participation iu the Plan. 

(/\) 11H• tt:ml "Origillnl Pt.m" means the Plan as it was in effect prior to this Restated 

Plan. 

1.27 Particip:uu. 

(A) Each EmpiO)et: "ho "lL' a Participant in the original Phu1 as of Mny I, 1976 and 

who did not sutler a Rrc:ak in Service ns that tcnn was used in the original Plan as of 

that date shall be a l'anicipant in the Plnn ns of:\ lay I, 1976 

(B) Each person who becomes an Employee on or after ~lay I, 1976 shnll bceomt! a 

Partic•pant on the! h~gmmng ~>t the Plan Year following the total of 435 houn. 

worke<l witllin h~ C'omputntion Period hw Eligibility or on "101 .:mhcr I, "hichc1·cr 

is earlier. If an .Employee docs not become a l'urtidpant within the first 

Computation Period For Eligibility, lhc Emp oye~; must meet the requirements of 

participation withm sub~c<1ue t twelve-month periods as if he/she w~·w :• ni.lw 

Employe~ lifl't hcginning to work for an Employer. 

(C) Once an Employe.: b ... -.:omc., 11 Participant, hi'<'her ehgibilit) for continuc'tl 

participathJn ~hall he m~"'U~t:\1 by Sen ice within a Plan Y car beginning with the 

Plan Year which includes the first anillvcrsary of t:lc Employee's m~plo)mcnt 

conuneocement date. 

(0) An Emp!oy~c "ho h>st!'> hi' her status as a Panicip:uu as a r.;sult of 11 Forti.'ilure of 

Service shall again bec~'me n Participant by meeting the rcqUlrcmC'lll'> nl'this Section 

10 

36.17 
within n Plan Year on the basis of work afl:cr the Plan Year during "hich his·'h"' 

pani.:ip3tion tcnninatcd. 

1.2S Pension Plan. 

(A) The t~1111 "Pension Plan" ur ''Plan," mt:ans the Plan. program. metlll><l. rules and 

procedure for th~ p.~ym~nt of benetit:; frcm the TnJSt hmd. plus nny amcndmtlnt~, 

which have been cst;~bhshcd and adopted by the Trustees. 

1.29 Plun Year. 

(Al The tcnn "Plan Year' mc•m~ the 12 month JX-'ri<><l hc1,oinning Ma) I and ending the 

ti•llnwing. Apnl 30. 

LJO Qualified Uomcstic Relations Order. 

(,\) The t~rm "Qualilkd D<•mestic Relatinn~ On!~" mo:an~ u Domestic Relations Order 

"hich creal~ ur n:t.'\ltQiit,e,; thc exi~hmce of an Alt.:matc l'nyee's nght to. or a~ig;b 

to an Alternate Payee the right to. receive all or a po111on of the benefits llayahle lou 

Pot1ieipanl. specifics required informatil)ll ond docs not niter the amc1unt 11r lbllll of 

Plnn bcnclits. 

1.31 Qullifit:d Joint und Sun.-i,or Rendil. 

(A) 11\C term "Qualified Joim aJld Survivor Bcnctit" means a<l nnnuit) which 

commence~ immediately (I ) ll"lr the Participant's lift.: 1\'ith a Su viv~•r Annuity for the 

Iii;, <Ot' Lho: Spouse 1\hidt is not less than 50% vf(and not greater than 00"~) of the 

amount of the annuity payable during the joint li\es of the Pm1icipant and the 

Spouse. and (2) which is the Actuarinl &tuiva!cm as dcEncd in Section 1.3(8) uf a 

single annuity for the life of the Particip311t. 

1.32 Qualified Pri:)-Retirt:menl SUivivnr Benelit. 

(A) l:~ tcnn "Qualified l'rc·Rctircmcnt Sur\'ivo~ Benefit" means a Qualilic'<l Jt)inl and 

500/o Survivor benctit for the life of a PurticipJnt's >urviving Sfll'u": payable in 

accordan.:e 11 ilh the Plan pnwisi.ms 'tatcd in Articlo: V. 

I.JJ Reciprocity. 

(A) For pul)lt"t'S of crcchtmg ,crvice undc..- thi, Plan, 1f the Ot-.anl ofTN>lt:d enters into 

mon.:y· fbllow> th~man r<..:ip;ocity agreements, such agreement shall be a part of 

this Plan and all hours trnnsfetTcd into this Plan under such agreement!. al l h~ 

credited as hours wnrkcd for crcditillt; Service und.::r thi.' I' Inn. All noun; trunsferred 

l'n•<~l thi' Plan in actordan~c with suc·h rcciprucit) ug•co:mt:nts "ill be temoved from 

II 

36.18 
the r<!COrds ot' thb l'l;ul and tl(l longer will be cn."ditcd towanh pam..:tpauon. \'CSting. 

eligibility :md benefit accmal. 

I J4 R~tmcmcm Date. 

(A) The tcm1 "Restatement Date" mean, \1ay I. 2014. th ~ date tin which the provbttllh 

of this amended and r~ lat d P~ sivn Plan become etfe<:tivc. except 11-' .,tated 

oth.,rwiso. 

I JS Rctircmenr Benefit or Ucnctits. 

(A) The term Rt:tirement Ren.:tit or 13enefits means those cia-.~~ ofhenel l~> pro,·illcd by 

the Plan as set tonh in t'\rticlc II. 

1.}6 Snmc Geographic Area. 

(A) 'I he tenn "San1c Geographic Area" means the State or Ohi11 and p<.>~tions of those 

states located as a part of a Standard Metropvlitun St.ttistical 13un;~u. as defined b} 

the U.S. Census Bureau. 

I.J7 Same Industry. 

(A) The term "Same industry" m()uns the some type of bu5iness activity or acti1 illc$ as 

that engaged in by any E111pluycr maintaining the Plan. 

1.31! Same Trade ofCmH. 

(.'\) The term "San\C Tr.tdc or cmn• m~.ms a tmde of C{aft in which an Lmplo>L"C was 

employed at any tunc unc.kr the Plan. "Same 'I r:tdc or Cmft"' include, any 

Mtpcr1isury ur managt:rial ucthity which is rcasonnbl} rdatcd In tht: underlying 

skill<; associated wtth the 1mdc or cmft for which the Employe.: 11a.' tr:1incd or in 

which he/she ucquired his.11cr work cxp.,"lience. 

1.3\1 Spuusc or Eligihlc Spouse 

(A) The tenn ·'Spouse·· c.1r '·Eligible Spous0'' means the Partidpa t'~ lcgol spouse who 

has bccn married to the Participant lilr at e:~.~t I y~ r al the lime a Qualified Pre:· 

Relirernent Survivor Bcnctil is lir't pay.ahle or the Participant's legal Spouse who 

ha.;, b~ marnt'tl tu the l'.trticipant at least I year at the tir~t tunc the Participant 

commenc:es receiving retirement bcncliL~ proYidcll hy this Plun 

(8) Effcctii"C June 26. 2tll J, lhc 1crm "Spouse·· or "Eligible Spouse" '""" indude 

tndtviduab marnc..•l tn a ~n of the same sex if the intl11 uluJh Wt!Tt: lawfully 

married under state law in a state whose laws aulhon/~ the marriage of tilt) 

individuals of the same sc~ c1 en tl' the married couple is donuciled in a ~tnlc that 

docs r.ot ~C<)£!1iLc the vahdity of.;;une-sex maniages. 

12 

36. 19 
(C) Tht: term "Spouse'' or "Eligtble Si)ctusc" doc·s not include indt\'iduals (whether of 

the oppo~ite sex or th..: snmc sex I who have entered into a regi.,tered doane-;ric 

pm1ncrshi1), civil union, or other similar fomtal relatHtnslup r..:c;vgnt/.cd under state 

Jaw rhm is nol dcnominatctl a.~ a muniuge unda the luws ot'that· state 

1.40 Tenninat<:~.l Vo:~t<:d l'anicipanl. 

(A) A 'Terminated Vcstc-d Pdrttc;ipJnt" mean~ a Vested Participant who has not )<:t 

b.,c,>mc u rctin.:d, disabled, Qr deceased Participant and has not accrued at le-ast 1 

Yenr ofScr.ice out oftbe 2 preceding Plan Years. 

1.41 Total and I'C111ttlllcnl Dis:.thility. 

(Al An Employee shall be consid~r~d to tnlly and c:rrn•m~ntly disabled and therefore 

eligible li.>r Total and PI."Tlnancnt Dio;;thtlit> Benefits the Emplo)ee it is determined 

by the Snt.1al Security Admini~tration that. prior to Ylny I. 2009, an Employee·~ 

physkal or mental condition ~-omplctcly prevents the Emp!O)'CC from engaging in 

work for wage or p1'0fil with1n the ~amc industry. trade or ~Taft and, in the opinion of 

the medical examiner. the disability \,;11 he pennanent and continuous during the 

remainder ol'hisihcr li ft:. Hvw~vo::r, no Employee shall be deemed to be rotally and 

em1~nent y disabled lor the purpose of this Pension Pion if hisihcr incapacity WllS 

contruct~d. sufti::r<:d or incurred while hcishc was engaged in a cl onk,u~ o::nterprisc. 

or resulted therefrom. or resulted from an intentionally s~lf~inllktcd tnjury, or from 

nn injury. wound or disability sullcrcd nr arising ~>ul or u ~ta te l'f war. 

(B) Th.:r.: ,hall be no Turn! and Po:m1anen: Uisabitity for an~ dtsab1hty occurring after 

May I. 2009. 

I .42 Tmst Agreement. 

(A) The "Tm~l Agr<•em~nt" 111 ean,~ the Amended and Rc~t.llcd Agreement and 

D.:clarutivn ofTniSt. 

1.43 Trust Fund. 

(A) The te1m "Trust fund" lllt\111~ the 13R1CKLA YERS A 'lD ALLIED CRAFTSMLl\ 

LOCAL ~0. 7 PENSJ0:-.1 Flii'D and the Plan's asscL' including all funds rccch·cd 

in the form of Employer c<tntrihulions. together with all contmcts (including 

dividends. interest. refund~ uml othtr sums payable to the Tmstccs on account ol' 

ch c~mt ucls), all invc>tmcnt~ mode and held by the ru stee~. all income. 

increments. cuming.;;, and profits thcrctrom and any and all other property or funds 

rc.;civcd and held by the Tru.~tl!~s hy reason of their ;u;ccptnncc of the Tntsl 

,..\grt!Cm~nt. 

36.20 
I -1.1 T ruste.:s. 

(:\) 111.: term "Tntste~.-s·· mean' an> natural ('<'I'Wn design;ned a> a rrustee pur~uant to 

the Amendt!d Agrecm.,nt ami [kdaratir>n of Trust or his/her su.x..:s<nr or 

su,·o;essors. 111c: Trustees. collccti,·cJy. shall be the "Admi11istrativc MJnag~:r' as that 

tenn is used in the Acl. 1l1c tcnn "Empl<)ycr Trw.tcc.," shall menn the Trustee'< 

selected by the Employer. 'l11c tc1n1 "linion Trustees" shall mean the Trustees 

selected hy th" l:rnon. ll1c <lc>ignntion "Employer 'lrustcc•· or "Union Trustee'' 

sh;1ll not 11ffect or Iter the duty of each Tru$tcc appointC\l tp ac:t in u Fiduciary 

capacity. 

I 45 Uniun. 

(/\) The term "Union" mt:•Ul' the RRICK!.AYF.RS & ALLIED C'RAI I WORKERS 

LOCAl. NO. - " 110 ha' in etlect with the Association or '' ith other Employers 

collective b:w.§!ining a,!fCements providing for the cstablishml'llt and mamtennncc 

of a pension Plan aad trust fund and for tJtc pa~1nenl of'cnntnbutums tn 'uch Fund. 

(8) 111c1 l~:rm "Cnion" shall al~o mean uny Lc1cal Union nftiliatccl with Brickla)cl"> & 

Allied Craftwurkers International Union of America, AFL-CIO. who b-:culll ~'\i pany 

to n collective bargaining agreement requiring contributions by Emplny•·rs into tJ1is 

Fund and hns been ncccptcd tor panicipation in the Funll by l1 ic~lilye 'S & Allied 

Craftworkcrs Local No. 7 and the Trustet!s un ten·ns which. in their sole discretion, 

Bricklayers & Allt~d Crall worker> Lucal No. 7 and the Trustees shall dctcnnine. 

(() The Union is ;tffiliatcd ''ith the 1\orthcm Ohio t\dnuni,trati"' Dl'trict Council of 

Uricklayers and Allied Cralhmrkc~, now kmm n a' the Non hem Ohio 

Administrali\~ D;stncl Council ,,r Brid.layers & Allied Crnlh•orket">. "11te Union 

maintains tl'> m' n ~ulunum)' 

1.46 \'c;Wd Participant. 

(A) Th.: tcnn "Vcst<!tl Ptwtic1pant" mL"ans a Participant who has at least 5 or more) ~a1·s 

nr Service. The del<:m1ination of vesting service for 11 l'al1iCIJlUilt who works 

between Collectively g~iniug and 1\on-collcctivcly Bargai ~tl work shnll be 

made by crcdiliug s~rvicc 10 VNLing under which the Participant work~ more than 

50'V.• of the lime in I he Plan Year. 

1.47 Vesting and Benefit Accn1al Computation Period. 

(AI The vesting and henclit uc~Tual wmp:.~tallvn period for this l'lM shall be the Pl~n 

Year. 

t-1 

36.21 
(A) The tcnn "Year ofSCf\tcc" M "Scr' ice" shall mean the numbct of )cars for whtch a 

Pan.icipant recci' es .:roo it on the rccorlls of the l'lan. Service shall be equal to the 

mnnber of Yean; ot' l'.llit S~ vicc plus the number of Year; of Future S~rvicc (Utd 

shall be used fbr l'articipntion. Vesting. and Eligibility l(tr B.:1tt:fi!li. 

(B) Service Prior to May I. I IJ76. f\>r u P:uticipnnt as of the Re>tatcmcnt Date whtt had 

ht:t:ll wvtred under the provisions of the original Plan. the Htllowing shnll be 

rountcd as Scn·ice: 

(I) PaNt Service. l'ast Service shall be granted to an Empluyc..: '' ho ''orked in 

the jurisdiction of the Union or~ ar.J hdim.: F~hruary I. 1%'! I year of Past 

SCI'\ icc shall be grant<.'tl tu un Employ~ for each Plan Y car that the 

Empln).:C wurk<.'<l tn the jurisdiction of the Union during the period February 

I, 1948 t<' February I. 1968. Any past service as mhcm isc granted shall be 

canceled upon the llmploycc suffering a Bre;•k m Service after Februx-y I, 

1968. 

(2) Future Servic«. 1-'ut ure Service shall be grnnt<',cl to £:mpl<\yees Hftcr 

February 1. 1968. I yccu· of Future Service shall be gruntt:d to an ErnJ,Jioycc 

for each Pl,lll Y ~:ur duri ng which he.ishe recei Vt!); C'(tntribution credits on the 

records of this F unci . Any future Conti nuous Servi<.:c us otherwise grnntell w 

an Employee prior to hi:;ilt.:r sulkring u Urc;~k in Scn·icc shall be canceled. 

(C') Service On And Alkr Muy I. 1976. On and after ~lay l, 1976. one Yean1fServiec 

shall be granted to an l.!mploycc who ha.~ met lh~ fdJUircm<:nt~ lhr initial eligibility 

to participate in this Plan. Suh""Jut:n~ Y <"&r~ vf Service shall be c:tmcd by a 

Panicipant who ha.~ ~35 hour' uf work within a Plan Year bcgiruung \\lth the Plan 

Yc:1r which includ~-:. th~ lir t annh·crsary of the [mploycc ~ cmplo,\'ment 

~:ummcncement d.ttc. The total Service of the Partrctpant '"''" nut include any 

Y e,;rs of l3reaks in Service. 

(D) Fur purpose: of determining u Y<";tr of Service. all Covered ServiGt) uml all 

Cunti)lltvus Nvn-(\weretl Service with an l.:.mploycr or Employer' lll(tintaining the 

Plim shall be taken into account pmvidcd. ho".: . no nt ig <'U~ Non-Covered 

Service shall be credited ttl thu Plan l~~s the Employer or Purticipuut notifies the 

/\drninistrati\c rvl< nug~:r ol' the hours worked by the Participant 111 1\nn·Covered 

Service within 90 days after the dmc of panicipatio:t or the Plan Year. whi.:hever is 

larer. 

(E) Q~alificd :vtilitary S~rvkc. 

(I) Ell'~'l. ti\c Ucccmbcr 12, 1994 and alkr. th~: t~nn "QuJiilkd Mtlitary 

ScrviQe" shall mean an~ ahsen~" lrom work b:; n:!il~llll d' acti,·e duty in the 

Armed Forees of th~ t.:nited States. An Employee shall be gi\'Cil lull t;tl.xlit 

15 

36.22 
for benefit accrual. hour, of <.en ice, partictpatiun. '~ung. y.:ars of credit<'<! 

scrYic.: and year, olf ve>ting s.:rvic.: for time period~. not to exceed 5 ~cars, 

in wht.:h hcl,hc "'" ah'<'nl from work due to military service. 

(2) The five 5 y.:ar limitntion indicated ahow anJ 111 lh" Sc,·tion shall nm 

include any scn ·icc 

(a) That i> required beyond 5 years to complete un in il iul period ot' 

obligntcd ~crvic c: 

(b) Dunng wltich the individual was unable tu oht:un nrd~.,..; releasing 

him'hcr from SCr\'icc in tl1c unifimncd ''mi~.:~ hd(lrt e~piration of 

the S year period, and w~.:h inability was through no f.1ult of the 

indwidual, 

(c) Perfom1ed as required pursuantw 10 l·.s.C. 10147, under 32 U.S.C. 

502(a) or 503, ur In fulfill additional traU.ung rcquiremenL; 

uetennill<'(l und certified in writing by the Secretary of th.: militury 

department concemed to be necessary li1r prnlcssional d;:vclupmcnr 

or [(If completion of skill training or retraining: 

(d) Performed i>y o rncmher \If a uni tbnuo:J scrvkc who is: ( I ) onlcr..,d 

ln nr rctraint:d vn uctive duty under section> 1230 l(a). 12:\0I(g). 

12302. 12304, 12305, or O.':l~ of Tille 10. Unitcu ate~ C'ode. or 

under 14 ~.C. 33 1, 332. 359. 360, 367. or 712: (2) ordered to or 

retrained on active duty (other than lot loaining) under any provision 

of lnw during a \\ ar or during u nution:ll cmefl(encv d.:.:lal\.'\1 by the 

Pn.:,.id.:nt vr the C'ungu:ss; (3) ordered to active duty luther than for 

traimn!!l in support, ns dctcnn.ined by the Sccr<'tary of the military 

depmm~nt conccmed. of an opcratmnalml\-:on li1r "hi.:h personnel 

hn\'~ hccn ordered to acti\:: J uly under 10 u.s.r. 12304; (4) ordcr~u 

to active duty in supp"rt, ao; e~e nined by the Secretary of the 

mihtury dcpuruncnl n>ncerned, of a critical nu;~ i, n t1r requirement 

ui' th"' 1111ifnnncd services, or (4) ~llcd into Fe<lcrul service as n 

member of the f\:atiMal Guard under chapter 15 or under section 

12406 oi'Titk I 0, {;nited States Code. 

(3) Cvntnb ut io ~ all be nmlc for the above lcni'C of ah~et\CC hy tile Fun:i or as 

(lthenl'ise determined at the diSLTCtion of the Board or 'ru,; tcc~ of the Fund. 

in compliance '"th 31! lJS.C §4318. as amendt.'\1. and nny rcgul.1tinns 

pmmulg:~tcd lhL'I'~under Said conhibut:ons shall be based upon the average 

b>U'"' r~mo:d monthly to the l'und O\'Cr the lesser ol 36 nwntllj; or the 

period of the Par:icip:tnl·~ participation tmmt!dtaldy prinr to Military 

Sen ice. 

16 

36.23 
(~) In nnl~-r li>r an Employee to recei,·e continuing benefits ns outlined ah\>ve. 

upon the completion of n pcriod of service in tl1c uni fon-ncd services. said 

Employee shall notify th.:: respective Employer "ith udvunce written or 

\'Crbal notice of such senic~. An Employee. upon the completion period or 

,..,n·ice in the uniform<!(! :.<:t'\ ic.:s. shalln<•tify the Employer. as referred!\> in 

wch subsectio:l below. of the l.:mploycc's intent to rerum to a po:,ition of 

cmplo)ntcnt with such Employer 3-' follows: 

(a) In the ca:.c l>f a per;on whose period of service in the unitonned 

sen· ices was less than 31 days. by rcportmg hl the Employer - (I) 

not later than tho bcgmnmg or the flr~t full ~gulo~rly scheduled work 

pe>iod 0 11 th.: li• ~t full calendar day following the complctinn of the 

period of service nnd the expiration of8 hour.> aflcr a period ullowing 

for the safe transportation nt' the Empln)L'C lrnm the place of that 

sen ice lu the P.mplu)cc'• r~idcnce; ~·r (2) a,; won as possible ufiL'f' 

the expirativn vf the 8 hour period referred to in clause (I) ahme, if 

reporting within the period referred to u1 such clnusc is impossible or 

unreasonable tlll'l>ugh no fault of the person. 

(h) In the l:ase of an F.mployee who is absent ti·om n posmon of 

emp o}~nent ti.>r 11 period of auy length for tbc purpose of un 

examination to dcrcm>inc the Employee's fitness tn pcrlbm1 service 

in the uniformed services. by reporting in the mann.:r und time 

referred to in subparagraph (a). 

(~.:) In the case of an Lmpl~·~ce whose per:od of service in the unili>mtcd 

services was more th.1n 30 days but Jess than t!! I days, by ~uhmitting 

011 applicntion for rccmplo>mcnt "ith the Emplu)'.:•· not Iuter than 14 

days after the completion n!' the Jl"riud ,,f ~e vicc or if submitting 

su~h application within such period is impt>>~ible or unreasonable 

tluougl1 nu fault of the Employee. the next tirst full calc-ndur a~· 

when submission of such application becomes pos~i blc. 

(d) In the ca><J or un F mplu)ee whose per:od of servite in the unifomtL...t 

>=vi~'<;'; wu.~ tor nwre tbml80 days, by submiuins an application lor 

reemplo)ment "ith the L:.mploycr not later than 90 da)S ailer the 

completion ofth~ peri no of Scr\ icc. 

(5) Fu• h~ mure. in un.ler tv restore the above p~J l.:>ioJI rights, the Employee mw;t 

notify the Fund OflicL' in writing, witltin 60 days of hi;lhcr di c-h arg~. of 

hisihcr intent to return to W(lrk. 

(6) Up<•n a., Emplo)~.:·~ honorJblc: discharge from military SCI"\~Ce the 

Employee's eligibiht) status under the Plan will be restored to the ~i:ttu:, lh.u 

existed when hc'shc entered milit3ry SCI"\ icc. prmidoo the Employt"e fulfills 

the n11ticc and documentation rt:quire.ne11b <>uthll<!(l allii\'C, ln addition to 

]7 

36.24 
said notice. the bnplu~cc ,hall also supply the Fund Offi~ '' 1th mp1es of 

his her dJsch.~rgc P•P~'"" ~h<>wing the date of hi5!1lcr inducuonnr enlistment 

'" military s~n·ice and the date of his;lJcr discharg.:. F~•lu1e nn the part of 

the Employee to tile such notice and dncumcnt;•tinn wilh the Fund O!lic::c 

may be deemed an indu:~tinn llMt the En1ployee does not WISh tn !'<'store 

i~ her di&ihilit) status under the Plan. 

(7) A person whoJ is ospil tl lcd for. nr "'' nvnl e:;cing ii·om. m1 illness ur injury 

incurred in, 11r oggr~' ated during. the performance of ~crv ce in the 

unill'mned servk~:~ shull. ut the end of the pcri,ld that is ncce"ary for the 

person w rocowr fiom such illness or injury. repurt to the person's l.:mpluycT 

(in the case of a pc~on dc~cribed in subparagraph (a) or (b) of paragraph (4l) 

or submit an application lhr reemployment wilh such Employer (ir the case 

~>fa pc:r~on Ct!ll<:ribc:d in stl'~parngraph (c) or (d) of such pardgT"dph). Except 

as provided in subpnragrajlh (8) hclo" ~ch period of reco\ cry rna~ n<>t 

exceed 2 vcars. 

(!i) Such 1 )"ar fll!l'it•d sh;tll be extended by the rnmnnwn time l"'riod to 

i!Cccnnmodate the circumstances beyond such person'> wntrol which make 

reporting within the p~ t.l !.p<:cifi<"'.l in ~u pumg,raph (a) impossible or 

unreasonable. 

18 

36.25 
ARTICLE ri: CLASSES OF BI::;-IEl'ITS 

2.1 Classes of Aenetits. 

(A) ·n1crc shall be 4 Classes of Bcnctits payable untkr this Pl<m. 

(I ) Nunnal Retirt:mt:nt Benefits 

(2} Early Retirement Bcncllls 

(3} Totul and Permanent Disability !kncfits (btu only for a total and pem1unent 

disability that occurred pl1or to May I, 2009 as determined by the Social 

Sc uri t) Administration) 

(4) Death Llenctits 

2.::> ~\ Du li ca ion of Benefits. 

(A) Notwithstanding any other provisions of the Pension Plan, no Participant shall be 

eligible for more than one class of bene tit at the same time. 

19 

36.26 
ARTICLE Ill : :\OR" \I. RF.TTRF.ME:-.T BL~EflTS 

3 1 Eli~ibility for ~onnal Retirement a~ndih. 

(A) i\n A~ "·~ r~rt cirant who completely retires from Covert.>d Service cmpkl)111ent 

with all Employers in th~ j urisd1t:tion ol' the Fund after mwinmcm of Nonnal 

Retirement Age shall bu cligihll) to re<.:eh·e a Normal Retirement Bendit at his/her 

N(lmJ81 R<:Lir~·m nt [)ate. 

3.2 Amount of :-.lonna! Retirement Ocnclit. 

(A) The Kvrmal R.:tirement Benefit shall be a m,lllthly h.:ndil ~< ual to the sum of the 

Panicipant's Past Service 13cndit, il' any. and his her f-uture Scrvi.::c Bcnclit ns 

follows: 

( 1) Pas< Service Bo:ncfil. 

(a) l11c Pas! Scnicc Aenefit shall be uctcn nim:J ba.~cd on Section 

1.48(A}( I) wuntable Years of Past Service mullipli.:d hy ~ 1.00. 

(2) Future Service Ilene fit. 

(a) For Participants who rctin.: pnor to Mny I, 1997, the Future 

Service Bcndit shnll be equal to 3.3% ol' the I.::mploycr 

Cvntrihuti\lns made to the Tmst Fund on the Participant's bd1alf 

subsequent to the lat~r or February I, 1968, or the date the 

Participant l3sl sufli:rcd f-orfeited Sen·icc, or th~ date the 

Employer b~-cmnes a f'artidpant. 

(h) For Active l'articipants \\'hO rc11rc <lll "' .d\cr i\1,1) 1. I 'IQ7. the 

Future Service l:knclit ;.hall he equal t~> ~.85% of the Employer 

Corunbuth,ns mndc to the Trust Fund on 1hc Participant's bchnlf 

suhsc41~< t to the later of l'ebruary I, 1968, m· the date the 

Partit·ipant last suffered Forfeited Service, <lr the date the 

Employee becomes n Participant. Th ~ Future Service Bcnclit unly 

npplics to Active Participant;; and excludes Tenninat,:cJ e~ ted 

Participant;.. 

(c) For A..:ti1·c P<lrticillallls 11ho retire un ur atler May I. 1998. the 

Future Scr. icc Bcnelit 'hall be equal to 4 05''o of il~ Employer 

Contnbutwn' muue to the Tru>i Fund on the Particip,mt's behalf 

subsequent tu the Inter of February 1, 1968. <>r the date th<! 

1',1rticipant last sutTcrcd Forfeitell S.:n·1ce, or the d.uc the 

l:mployce becomes a l'aruc•panL Thb f-uture Sci'\ icc Bl!ndit only 

apphcs tn ,\ell\.: l'a11 idpants nnd excludes Pnrhcipants. 

36.27 
(d) Rend it acuudl. under this Plan. is not aff.:ctcd by the dgc <lf the 

l'antdpant. 

(c) Parttcipant~ \\·ho retire ul\cr their noml;tl retirement date will f<:ccive 

a monthly hcnelit thal is the greater of the Accrued Bcnufit .:umed at 

the time of their rctiremcm or the Actuarial Equivu lcnl value. as 

defined in Section 1.3(B). of th.:ir A,·,;uoo Fl~ndit t:arncd nt thl.'ir 

Nonnnl lh~ ircmcnt Age, 

(t) For Active Pnrtictpants who retire 011 or ;tl1t:r May l. 19\1\1, the 

Future Service Bc:ndil shall he equal to 4.10% of the Empln}c:r 

Contrihutiuns made to the Trust Fund on the Participant's behalf 

for hours worked from february I. I 96!'! through April 30. 2003 

plus 3.0" • of Empln}Cr Contributions mad.: to I h.: Trust Fund on 

the Pori!Cijlant's behalf fbr hours \\Orked frum ay I. 2003 

thruugh April 30. 2005 plus 1.0% of the Employer Contributions 

mflde to the J'mst Fund on ihc Participant's behalf for hours 

worked from ay I, 2005 through April 30. 2006 plu~ 1.0% of the 

first $2.00 of the Employer Contributions llUl(k to the Trust Fund 

on the PartiCipant's behalf f(.>r hours worked on or niter .f un<: I, 

2006. 

3J Fom1of Benefit. 

(A) Unless the Participant clccb uthcm "'" or ;~ s tw survi\ing SPQuse. th.: Nom1~1 

Retirement Benetit \\til he pdid us a Qualified Joint and .50~., Survivor Ocncfil as 

provit!od tn Aniclc V. 

(13) For a Participant who as of May I, 2009 has not <.~>mmenl·ed m:eiving pension 

benefits, the 60 month gulrotllc.:c nfl><..,dit paynents hns been changed to~ life only 

h~elil. Thi~ benefit :s p.tyahlc h> a ParticipJnt over his.ber lifetime. 

3.4 Commencement ofl\onnal Reriremcm Benefits. 

(A) A Purticipnnfs curnntctwcmt'lll date shall be no later that\ 60 c.inys at1cr thc.1 dnse or 

lhc Phm Year in i~h lht Purtidpam meets the eligibility rcquit-ctncnts li1r Nor111ul 

Retiremetlt. A i:'unicip.1nt who meets the eligibility irem~nts f~>r Normal 

Retirement lk ndits as set forth in Section 3.1. up<lll 'uluntary J<:titclllt'nt nnd who 

n~ applied for such bcndil. sh!lll hecomc entitled to Nonn.li Retirement Bene lib on 

the li~l tla~ ol the munlh loiiO\\ ing receipt of his.'hcr application li>r :'llvrmal 

Retirement Benefit. I'J(>nnal Retirement Bcnc:irs shall continu.: monthl;. thereafter 

until d1c first day of the c:tlcndar month uf the l'arttc1pant \death. 

(B) In the e\ent th.u a Pdrttct)l.lnt mcc:ts the eligibilit) requirements to b.: cnhtl...J to a 

:'\onnal R.:tir<:mcnt &nctit and has nol applic:C for the bet:elil, h) the t\O'h day after 

iltc close of the Plan Y car in \\ hich he sht: is cligihl~. tht:n the benefits shall 

commence immediately. Utllcs' the Panicipnnt otherwise elects in "riling. 

21 

36.28 
1\otw•thMantling th~ li>rcgpmg. the l".lilurc of a Participant nnd ~rouse tu conscm to a 

tll,trihuti(ln while .1 benefit is immediately distnbutahlc ~hall he d=m:d to be an 

election to defer com.mcnccmcm of pa~mcnt or any b.:nelit sufliclt:lll to satisfy this 

Section. 

3.5 Culculatinn uf R~nefi~ lbr Tcnninarcd Vested Participants. 

(A) 'lltc provisions of the Plan that nrc in .:fl<:ct at th.: time a l'anicipant first becomes a 

Tcnninatoo Ve,tctl Pa> ucipant shall apply to any benefit calculati<>n Jl the time the 

PU1t1dpant bc<:oml~ digible to receive n 1\onnal, Early, Vested ur Qualiticd Join! 

and 50%.75% or IOO"o Survimr Bcnclit. 

(B) In the: C\c!lll a Terrninat<:d Vested l'articipanl subscquemly n:tum~ to Co,-crcd 

Service:. !he l'lan pro' isiotts in cffccc aficr the Tt'flll>11Jk'd Vested Patticipam return> 

to Covered Service shall apply only to So;:rvicc <.<tmtxl after his/her rctum ro Covero::tl 

Service and lor the putl llS~ ol' cakuluting <my benefit, the Accrued Bcnelit earned 

priilr Lo the Parlicipant becoming o Terminated Vested l'nrti<:ipant shall be added to 

th<: Accrued Benefit t:amed after his'hcr return to c," cr•-.1 Service. 

22 

36.29 
t\ RTICL£ 1V: I::ARLY ~f.T REMEN E:"'EF TS 

4.1 Eligibility for Early Retirement Bcnclit>. 

(A) An Active PJrticip:tnt wlw ha:; completely retired fmm Covered S~T\ i~o: 

<:111plv;t11t:nt with aU Employers within the jurisdiction of thi~ Fund shall be 

eligible for an Early Retirement B~ndit at his/her Earl~ Rt:tircmcnt Age. pro,·idcd 

the 1\ctivc Purttcipant ha~ dect~l and applied for an E.trl~ Rctircmem Bcncfit<nt 

u limn prc,crib~l by the Trust~:; (llld th: Trustees ha,·e approved the appli<.:<tli1m. 

4.2 Amount of l.!arly Retirement Bene lit,, 

(A) For Particip;mts who rctin.: on or after :VIay I. 1999. or Purti.:irunts who were 

ehgiblc to retire prior to May I. 2009 the Early Rctin:mc11t flenefit shaU be a 

monthly benefit equal to lht: Partit:ipunt's Nonnal Rctircm~nt Benefit as dcscrihcd 

in 1-\mcle Ill, s.,ction J.~. reduced at the rate of 1/J of 1% for each month the 

Pantcil>ant i> younger than nge 62 on the commcnecm.:nt dtlh: of his. her Early 

Retirement. 

(B) For Participants who wen• not eligible for an Early Retiremcm 13cnctit prior to 

Muy I, 2009 und wh(l elcct~d an Early Retirement IJcncfit on or after May I, 

2000 the Earl y Retiremelll 13cncfit shall be a monthly benefit equal tu the 

Participant's 1'\ormal Retirement Benefit ;1~ de~cribt:d in Article 111 . Section 3.2 

reduced at the rate of i'% pc•· ycm or .583% tor cach mvnth the Participant ·~ 

younger than age ti2 1m lht: cummencemem date of his her Early Retirem<!llt 

Benefit 

4 J Fonn of Uenefit. 

(A) Lnl cs~ the P~rti,·ipant de~:t~ oth.:rwise or bus no sm,·iving Spouse, the Eul'iy 

Rd irt:ment flenetit will be p<tid us u Joim & 50% Survh·or Bcnclit n~ prnvid~d in 

Article V. 

(B) For n Pnnicipant who a, or M .. y l. 2009 h.L~ not yet commenced receiving pension 

ht:nelit.s, the 60 month guamntcc ufbcnefit J><1}mcnts has been chmgcd to a lite vnly 

bene lit. I hi~ bcnclit is payable to a Panicipam O\ cr his h~'l' hf<!timc. 

4.4 Commencement of Earl} Retiremt~1t BcncliL~. 

lAJ A l'mtkipant wh<.' meets the eligibility rcquirclllcnt> for Early Retirement Bendits 

ns set fo11h in Section 4.1, upon voluntary retirement and ha.s applied for such 

benefits. shall become entitled to F:trly Rttirement B<!ndit~ •L:i t1f tl1c first day of th ~ 

month m:<t li.>llm•~ng receipt of his/her app:icutJon by the Tntstccs. F.ad~ 

R.:tircm<!llt Benefits shall continue monthl) thereafter unul the first <Ia) of the 

calendar month ofd1c Pa:1ic1paut's death 

36.30 
(0) If" Purti<-ipant <eparat.:s IT\lm set'\ ice before s:nisfying the a!!,C rcquarCIU<'flt 1\u c;arly 

retirement. but has sntisticd the service requirement pursuant tn the Plan dncumcm 

in effect at the time the Portacaplmtcnninates seni~. lh" l'.tr1ictpant "ill be cntiti<XI 

to elect an early retirement hen~tit upon satisfaction or such age requircmcn1. 

24 

36.3t 
ARTICLE\": FORo\ IS OF Rf:\ EFII' & J::U:CTIO:'\ PROCEOL"RE 

5.1 Automatic Fonn or Rehr;!ment llencfit 

(A) The nutomatic fonn of retirement hcnt:lit under thi> f'lm1 is the Qunlificd Joint and 

50% Survivor Bcnclit um.l "J)ll)ahk in one of the following forms: 

(I 1 Qtwlified Joint and Survivor Bcnuflt: The tcn11 "Qu;di!ied Joint and 

Survivor Bcnclit"" mc~llls '" ' :umuity which commences inuncdiatcly 

(al lo r the Panicipant's lite, with a Sunivur Annuity ti•r the Spouse's 

life which i; not lcs.q thnn 50 percent and not greater than I 00 p~rccnt 

of thu tunnunt nf the annuity pa)'abk during the Ptlnicip:mt's llnd 

SpmN: ·,joint li,·es. and 

(b) which is d1c i\ciUarial Eqmvalent. as defined in Section 1.3(8). 1•f a 

singll! annUJty li1r the Panicipam's life. 

(2) Qual1fied Pre-Retirem~nt Survivnr Benefits: A Quulifi""l Pre·Rctircmcm 

Survivor Ucncfit ~ an annuity fnr the PuJticipant's sut-.. iving Spouse's life. 

Vndc( n Qualified Pre-Retirement Su•vivor Elene lit, the amount of pa;1m:nts 

to the surviving Spouse ull be the srunc as, or rhc Actuminl Equi\'alent, as 

detined in Sectio11 I .3(13), of the amo\mt of the benefit which would have 

been pruvidcd under the Qualified Joint and Sun worl:kn<Jtit if': 

(a) in the case of u PartiLipant whl• dies after at1oining the Earliest 

Rctm.mllnl Age under the Plan. the Panicipant hnd retired with an 

imlnt.-diato.: Qualified Joint and Survivor Benefit un the day before 

hiSiher death 

(b) in the ca~c of a l'>u1icipant who dies on or before th.: Earliest 

Rdir<.1lwnt Age under the Plan, the Panicip.mt had: (a) M~parated 

fh•m S..-rvice t•n the date of bisi1lcr dcJth. (h) sur\iwd to the Earliest 

Retirement Uuw. (.:) retired with an immediate Qualified Joim ond 

Survilw Ocucftt nt his;her F.urliest Retirement Age. und (d) dit'll on 

the duy ulier the date on which he/she would hove attained tl~e 

F.urlit<>t Retirement Age. 

5.2 Eligibility For Qualified Joint and 'i(l% Survivor Bcnelits. 

(A) A Panicipant who h;c, complclcl) retired fror.1 employment Wlth all F.mt>loycrs in 

the jurisd1<.:tion of th~ hmd s7mll be eligible lor Qualified Juint und 50''o <;un ivor 

[knefts if: 

(f) the Par1i~ip ant ~ cligibl~ for :-lonna! or Early Retircmcnl Bene liN; 

36.32 
(2) tho Parti~ipant and his:11cr Spouse have h~n mum.:d ut least one ~car 

prinr t\> the Participam's dut.:- of rctin.:ment; and 

(3) the Pattieipant anti hislher Spouse have not wni\ cd tht: automatic 

Qualilied Joint ant! 50% Survivor Benefit. 

(4) A Pat1icipam who satislie' the foregoing eligibilit) requirements for the 

Qualitied Joint ami SO~o Sur.ivor Ucncfits but '"II' "ishes to elc.:t uml 

apply for Nom1al or l:nrty Retirement Benefits may do so prior to the ddte 

his/her Qualified Joint and 50% Survivor l:kndits conuncnee. After 

commencement ol' ht ~tltcr Qu,ditied Joint and 50% Survivor Benefits, 

his/her right to ~ct a Nvrmal or Early Rctircrm:nt Aenelit shu II cctiSc. 

5.3 Right or F.h:ctior1 lor the Qualiticd Joint untl 50% Survivor Ucncfit 

(A) ln hcu of the Qualified Joint a:1d 50% Survivor Benefit, u Participant mar elect 

the Nnm>Jl or Early Retiremcm Benefit form ot paynu:nt nnd thereby wai'e the 

Qualified Joint and SO% Survi\'Or B~ndit 

(U) Efti;cthc Ytay I, 2007. in order that each Partictpnnl mJy huvc an adequate 

oppommity to make an dection, an election period ;, h.:td>)" <:stnblishcd. Tl1t: 

ckclit)n period shall begin no more thun I SO days or l~ ss than JO days prior to the 

Participant's commencement dot<'. During the election period each Participant 

~hall have the right to receiv.: a v.Titt.:n explanation ot': (t) the terms and 

conditions of the Qualified Jomt and Survh·or Annuit) and the relati\·e value ul 

optional forms nfbenelit. {ii) the Pnn:cip3nt"s ri!;ht to makt: itr election to "ai•t: 

the Quahtied Joint and Sun·ivN Annuity: (iii) h~ right of the Participant's spouse 

to eon~ent tt> any election to \1 aivc the QlWlified Joint and Sun ivor Annuity: (iv) 

the right of the Participant to r<>Vt>ko: >u~h cluction ond tho cnect of such 

revocation; and (v) any otht>r e~phmn ion required under Scclic\n 401 (a)( II )IE) nr 

417(,l)(3)(A) nfthe t11tc:nml Revenue Code and any lawful regulntions thereunder. 

During the election period. c~ch Participant ~hall have the right to wai,·e the 

ali ti ~d Joint and 50% Suf\ ivur B"nelit und elect to receive J 1\onnal or Ea:ly 

Retirement Bcnctit. 

(Cl Elkcthc 1\1<1)' I, 1997. with proper spo.J~al consent, a l'articipant may eb:t to 

wai'e the 30 day notice rcqmrcmcnt untl elt:Ct t~> commence bencfig under this 

Plnn after more th3tl 7 tl <ty~ at\t>r such explanation of benelits tS prm ided to the 

l'articipatu and his-'her Spouse. 

(D) Any election made on or :tftcr J,muury I, 19R5 to waive the Qualil1cd .k>int and 

50"·o Survivor Benefit 'hall nut take d"lect unless one of the tilllm\lng conditions 

is satisfied· 

36.33 
(I) The Panicipam's Spou;c consents in writing to such election. the Spouse's 

Ctlnsent ackMwledgc; the 0flcct of such ~ct ()n, untl h~ Spouse's 

consent ~ witnessed hy a fl l:m re~entanve or u notary public. 

(2} It is established to the satisfaction of a Plan rcprcscmati\e that the conse11t 

rcqUirru under subsection (I) aho'c rna~ not ht: uhtuur~'d because there is 

nu Spouse. becau,e the Sp<>uo;e cannot bt: k..:~tcd, 1•r because of such other 

circumstnnc~ as the Secretary of I reasur}' regulations prcs.:ribc. 

(E) Any cw1,.:nt hy a Spou.~" nr c.'tahli~hment that the <.:t>llscnt nl' a Spouse may not 

be obtained shall be dfcdin: t•nly with respect to such Spouse. 

(F) i\ Participant may revoke lillY clct:ti<ln previously mat!<.:. or deemed tv be m;~d . 

undt:r this Article it' mmlt.l prior l\l cormm:n ... .:rnent vf' the pa)mcnt of benelits 

under t~e l'lun. The number of n:vo~ations shall not be !united. An election may 

not be revoked aficr payment of benefits has corruncr.ccd 

(GI All ;:l~ctions ,md rcvncatiuns shall b~ madt: un the appropriate l~•rm available 

fTvm the olli~c vf tht: Administrutivc M:magt:r of the Pensk111 Plan and shall he 

effective l•nly upon completing, signing and fihng of the form with the oflice uf 

the Administrative Manager. 

5.'1 Amount oi'Quuhllcd Jni nL and Survivor Bcnclit. 

(A) l h<: Qualified Joint and 50% Sun·ivor 13enefit pro,•idcs n reduced :nonrhly income 

that shall be the Actuarinl Equivnlcnt. as defined in Sccuon 1.3(B). of the 1\onnal ur 

Early Rctrrcmcm Benefit to '' luch the Panicipant " oth.:n' i;e cntitl.:d. The 

Actuwiul F. qui valent reduct inn shJllt:rh intv account the pn>VI,;un nf'St:ction (0). 

(BJ In the C\'Cilt the Spouse pre-deceases the rcrir<'d Participant, the amount of the rcun:tl 

Particil)ant's benefit will be incr~nscu to the amount or his/her 1\onnal or F.urly 

R~tir 1~ 1 Benefit as thnugh tl11' retired Particrpunt hud nnt pre\ iously .:lcded the 

Qu:rlili<:!ll Joint anu 50"/o Sun ivvr R~ndi . Thc rcvi8cd bt:nt:lit a111ount will b~ 

e!Tective on the l1r;t day of the month t<•llo\\'ing the deatb ofth~ rctiml Pamcip:un·~ 

Spouse .md wiU be payable for the retired PartiC:pant's rcmmnin£ lifetime 

5.5 Cumm<.:nt't!m~nl ofQualifit.:d Joint and 50% Survhvr Benefits. 

(A) A l'nnicipont who mct:t; the eligibility requirem ~ for A Nonnal Rctiremcnt 

Bcnciit shall be clig.ibk w receive the Qualifie-d Joint ml 50'}., Survivor Bend itno 

later thun 110 da7s af\er the dose of' the Plan Year rn "hich the Participant meers the 

eligibility I'<'(IUiremems t\Jr l\om1:rl Rl'tirement. 

(B) A Participant who meet:> the eligihrlity rcquir~'lllcnt' l~~r Early Retir<!ln<:nt 

Bcnclih ~hall hecume ehg~hlc h• receive the Quahlied Jount and 50'lo Sun·i,·or 

2'1 

36.34 
B~ndil a' or the lir~t tlay of the month n<:xt lollcm ing the rccctpt uf his/her 

apphc.ttion by the Board of'! rustees. 

(C) All monthly benefits lll1tkr this Section will continue ft>r the lifetime of the 

Partictpunt, with Lhu last payment 10 be mude on the first day of th ~ calendar 

month of the Purticipm:t's death. 50% of such monthly bl.lnctit' shall bt• 

continued thereafter to the Spou;c, with the last payment In h~ mad~ on the first 

day of the l.lalcndor month of the Spow • .:·, deuth. 

5.6 Ntm-Applicnbility ofQualiticd Joint and 50"~ Survivor Bcnclit To i~ ahil il y Bcndit. 

(A) Elk.:lnc Janunry I. 1905. tbr Ac:ive Participants who tirsr become eligible t,, ra.-eive the Total and l'cnnanent Dis.1bility Benefit provided in t\r1icl.: VI, said 

benefit shall be pa:d only in thar fonn and a,; an ancill,tr) hL"TTefit to all other bencftts 

paid un<kr this Plan and the prmisiun' oltl1is Att icle all not apply to the Total ancl 

PcrtlHlnCnl Disability it. 

5.7 Qualified Joit:t tutd I 00" • Survivor Benefit Option. 

(A) Suhj ccl It) the ro,~s on~ of s.,~.:tion 5.1 through 5.6, ~ l'<~rticipnnt and hiSJhcr Spou.w 

may elect to receive a Qualified Joint and I 00% Sw·vivr>r ncncfit. 

5.8 Qualified Jo111 1 nnd 75°1oJ3encfit Option. 

(A) SubJCCl to the prO\ i.;it)ns or Section 5. 1 through 5.6. ~ Participant and his!hcr 

spou~~ lllU} de<.:! to ,.,,_·civc a Qualilic:d Joint and 751!-. survivor Benefit. 

5.9 60 Month Guarantee 

(A) For a Part1.:irnn1 '~ho a' nf\~a~ I. 2009 h.ll> not yet conuneoced recct\llll:: pension 

hcnclit<, th~ 60 month guar.111tcx of benefit payments is eliminated l!xcc:pt <e> 

provided in paragraph (U). 

(B) A Participant who retires on or atlcr u~ I, 2009. ~ubject to Section 5.\ can elect 

the 60 month g.JUrant~c "ith a monthly reduction in benefit. ·Inc redul.lti<ln in the 

monthly bene til will dcp1.~1d upon the retirement age of the p:uticipa11t a; provided in 

the following table: 

Cost or 60 Month Guamntec Optional Ucnctit Form 

Age f'cr,~m Age Percent Age Pcrccm 

Reduction Rcduetion Redu.:tmn 

55 0.86~. 60 1.4~·;,, 65 2.6 ~. 

56 I! <Jo% n1 1.66% 66 2.92•. 

57 1.on, 62 l.t~o·H, 67 3.25% 

ss l.l9"~ 63 J.OS% 6S 3.6 1°o 

59 IJ3°u 64 2J3~o 69 4.000·• 

36.35 
ARTICLF. \ '1 TOTAL .\NO F. RMA ~ENT OISAOILITY f. F.FITS 

6. I Elimination ut' Disability Bt!nd it 

(A) FH~ctive May I. 2009. to be clig1hk li~r Pernunent TotAl Disability Bendit. the 

Participant must be dJsablc<l heron: 1\l~y I. 200\1 as dctCm11nctl by the Social 

Sccurit) Athnimstr.Jtiun. Disability bcnefi~ arc clinunat~'tl lhr Participants \\ hu 

rn,.;t>me disabled on or after 1\\ay I. 2tXl'J. For th~"e ParticiJ>ants who ha•~ ft!tired 

under the l'otal and Pcnnancll1 Disability Benefit prior to l\lay I. 2009, the 

pro•isinns t)fSections 6.2 hr~>ugh 6.7 continue to apply. 

li.2 Eligibility For Total and Pcnn;Ulcm Disability efit~ . 

(A) i\n Active Participant who has uot lorfcited his1hcr Servkc ~hall be eligible In 

rcco:ivc a TNul and ['ernuUJcnt Disabilit) Bene lit pruvidc:d: 

( 1) The Participant is tolall)' ar.d permanently disabled 3.\ defined in Section 

I A I. 

(2) The l'm1icipant has at lcnst I 0 years of' Service. 

(3) The Participant has m:c1ucd ut le:1st a total of 40 hours worked in the 2 

pn:.::cd1ng Plan Yt:ars prior to hi Siller disability. 

(41 The Participant has elected nnd applic-..1 for a Total and Pcmmncnt D1>ability 

Ucnet1t on a fonn dc.cnh..~l hy the Trustees. and the Trustees ha'e approved 

th.: application. 

(5) F.ll~ctiveJanunl)' I, 1\195, the ActiH; arti~ip~nl ha' 1wt obtained age 57. 

(6) 'I he I mstccs shall haw t.h~ power to require till)' Plll'liciptult claiming to 

he totally and pt:lmunently disabled £O be cxnmi111!d hy a physician or 

eli nit: chosen by the 'I rustccs. or to require him to submir evidcn~ll nf 

hisJher Social Sccunty Dio;nhilit) Award as, in their discretion. they deem 

appropriate: pmvidcd the Trusto:es may not rcttuirc more frequent 

examination than once m any 12 month period. 

(7) ln the t'Vcnt the l'anieipant'~ Total and Pennanent L)isabtlity is occasioned 

by chronic alcoholism, his1l1er right to recch·c a monthly Total nnd 

Permanent Disability llcnt:fit shall terminate with the 12'h monthly 

payment. T() rc:ct.:i 1 c nny additional montlll) Totul and Pcnnanent 

l)i,ability Benefits. the Pomcipant ~t rl':tpply for same and submit 

e\'idcnce satisfactor}' lo the Trustc~s lh;~t he ~he hno;. in !'act, mudc 

reasonable cflorb dt rc'1"mable rehabilitation. Such rc-applicatio1: shall 

be rcoquirt.-..1 at the end of ench twelve-month pcrind u·ul said C\'tdcncc must 

be ~uhmitted with each such re-application 

21') 

36.36 
63 Fonn l'f Benefit. 

(A) EtTccllvc Januar)· I, 1995. lor h~1se Active Panidpant!. who lir,t ~come eligible to 

ec~iv~ a Tnt<d und Penuancm Disability Benefit. that l>ent:!it shall be pa!d only '" 

that tonn as :u1 ancilbry benefit .1nd the pmvisions of Article V shall not apply 

6.4 Amount of Total Jnd Perman~ntDisJbiltty Ucncfits. 

(A) Elfccllve January 1. 1995, the Tutal and f'ennanem Disnh1lity Benefit ~hall be a 

monthly benefit equal to 70% l>f the l'nrticipanl's Accmcd 81!11elit as of the date 

he.'"" is dctem1ined to ~ totally nnd r cnnancnlly di, ablcd. 

6.5 Cnnuuencemcllt of Total and Permanent l) i~ abil il y Benefits. 

(I\) A Purtic1pam who meets the eligibility requiremenl.!> tor 1 ota1 nnd ~am:nt 

Dtsabllity Oenefits shall become <.'fltllk~l tv a Tvtal and Pennancm Disability Benefit 

as of the first day of the month next following receipt or an appheation by the 

1 ru>to:.:,. MunLhl) benefits will be payable to the Partkipanl during continued 

cligihilil; lc>r <hs.tbility benefits with the last payment 10 be made on the first day ul 

lht: ~alend r month of the Pm1icipum's <kath or tht: termi nation of the bcnctits under 

Section 6.6. 

6.6 Termination or Flcncti ts fi1r Tutal and Permuncnt Disability. 

(A) The Employee engages in or pcrfi1nm \\\>rk wil'lin the Urick aiO!ll} hldu.,try <lli 

o:olliJin•'tl in th~ provisions of the Coll.:cti\'e Barg.1irung Agrecn:cnt. or 

(13) If the ru~t.:.:, detamine on the: b:tsis of medical finding..; thai the Panicipam has 

sullidtmtl) re<:overe<l to resume a regular occupation m tomploymem for pn1 1i1 m 

rc:mu ~r tio n \\ ithiu the same industry, trade or c.ra.tl, Ol' 

((') If the Participant rcli.tses to ~: go a di ) examination re<tuested by the 

Tn»tco:s; prm •c.led, however, the Participant may nnt b.: et~uir<.'\1 to undergo a 

mcc.lic:•l t:~arninntion more often than twice a ye-.tr. 

(D) Such tcmtinauon ot Total und Pcm1~rent Oisabilit~ Benefits ,hall in no wav 

prCJUo.ll~C ,uch l'ar i~ipa t fi-\•m recci,.ing other bcnc!IL' a' pn" 1dcd in this Plan. 

(E) fl' the Panicipnm rctilscs to ~wllr a qttt:>ti(lnnaire on a form supplit'<l by the 

ls cc~ .:xmccrning hi ~· wr ·c,~nt ys c~l cond ition tutd ,talus. Such 

qucslillnnairc ll he lumishe<l lltutu3lly to a .u1ici nl receiving Total and 

~'f111anenl Oisabilitr Benetits. 

(F) t.:IT~"<:II\ 'C January I. 1995, the P~rudpant dtes or attauts age 57, "hi~he>er occurs 

earlier 

.'lO 

36.37 
6.7 Rc Fmplo)'ment .~fter lemunJIIOn ofT111~1 and Permanent Disabiht) 13cndir 

(i\) In the C\o::nt Tntal and Po.:rmancnt DJsahility Bo.:nctits under thi' Plan arc tcnninatcd. 

w1tl a Participant re-rel>rt:• 111 the future. the reinstated benefits >hall be dctcnnir.c<l 

as follows: 

( I) Disability Bcnclits - The 11.:w Tntal and Pem1anenl Disuhility Bcncftt shall 

he equal tv the Ulllounl the Participant was pn.wiously receiving plus any 

additional Future Scr ... icc Ucncfir earned after rc-cmploymcm. 

(2) Early Retirement· The Furly Retiree who had previously ro.:t:i\'Cd 'Iota! and 

Pem1auent Oi~ahility Benefits will have Ius/her benefits determine..! nn the 

basis of the amoum of his her Accmcd Bene tit prior to lu.Jh~-r rt:.:ei,ing 

To:al and Pcnnant.~ll Oi,ahilit} Benefit-;, plu., any at!diu~>nul FurJre Service 

s.,nt!lit c.m'"' <~fl~ re-emplo) men I. the .um of which will be reduced by 

hi<'her FNiy Retirement reduction factor. 

(3) 1\onnal R.:11rcm~~1t • TI1c :-.lonna! Retiremeni hcnclil "ill h.: the mnount of 

lusth~,· Ao..:~rucd R~ndit p1ior to his;l1er receiving Total ami l'cnnancnt 

Disability b~m:fits. plus any additionJI Future Sen·icc Benefit cnmcd aller 

re-employmetll. 

31 

36.38 
ARTICLE VII - \'F:STfNG 

7. 1 Vesting Schedule: 

(A) A Vested Punicip<mt who has not nttaincd his·her ).formal or Early Retirement age 

shall be eligible to rccci,·c a Vested B.mdit in ac.:ord;m.:..: "ith Section 7.2 pr01i<ll'(J: 

(I) 1\on-('ollecu,<!ly &rg,tin~'\J Emplo)--ccs who rctiroo pnur tu May I. 19M9 

and Coll..:cti\'cly Barsaincd Empl<)yeo!S wh,, rt:tiretl prior to May I. 1997 

~hould refer to the Plan un~umcnt in effect at the time of retirement lilr the 

applicable ve;ting sd tcdulc. 

(2) Hfccti,·c May I. 19S9. li>r a l'a1 ti<.:ip,mt wlw thereafter e:tnlS Service a.-; a 

Non- llcctin~l } Bargainc1l F.n1pk>yee who completely retires from Cuv.:red 

St'T\ i<:c emplo)1nent with all Employers within the juri~dict on oftllis Fund 

•md has at least 5 Years of Sen icc since hi'<'hcr lbte of participation and ,, 

not eligible for any other l)'pc of' benefit under the Plun sh,\11 be I OO'!·o vested 

in his her Accrued RL11Cfit ;~ccording to the schedule pro\'idcd in 7.2(01 

h.:lim and "ill hecnme eligible for a Vested 13cncfit at such time as he/she 

reaches Nmmul Retirement Age, ur if cligihlc ha~eJ upon hislh~r Service at 

F.nrly Retiremellt Age. as defi ned by the Plan pr<> n~ in effect nt the time 

he/she was an i\ctivc Pnrticipant, provided he!~h'-' ~ 'omplctcl) retit-,<1 

from Covered Scrvic~ empk>)111cnt with all of tht' L!mploycrs within the 

JUrisdi<'tinn of this Fund: t'f 

(3} Effecti\'e May I. 191r, a Pnnicipant who ~m~ I llnur ol' Ser\'ice after U1at 

date us a Collectively Bargain.:<! F.mplo)cc und becomes a Tcrmia:Jh•l 

Vested Participant all~r e0101ing ut kast 5 Years of Service stncc his,1wr date 

of participation and is m>t eligib le for any other l)llC 01' hcnelit under the 

Plun shall be I 00% vested in his!her t\ccrucu B.:ncllt :tcc11rding to th<.: 

schedule provided in 7.218) below and will h~'\:OOll;l eligible for a vc,tcd 

Ucncfit ~t such time as hc/:,hc >'caches t{<>nn<t l Retirement A~c, or if cl gih ~ - -- bn>cd upon is;h ~r Scrvk~ at F.arly Retirement Age. llS dcfinad by the Phm 

prm i~i{m' in ~ff~<.:t ;tt the time he she was an 1\cti\C Pat1idp.111t, provided 

he'~hc has c<'mpletely retired from Cuv<.'f\.'l! s~n icc ~mpln~m.:nt with nil of 

the mploycrs witlun Ulcjun,tJtctinn nfth's Fund. 

7.2 Calculatwn ollkndit li>r Tcnninatetl Vested Panicipant·s. 

(A) The provisions of the Pbn that nt'O in ul'l'ecl at h~ time u l'mll~ ipant first becomes u 

Terminated Vested Parti\:ipant shall npply to any bcnd it cnlculation at the time the 

l'arllci(Wlt hL'L'<•me-; digible to rccci,·c 11 Normal. Early, Vested or Quulilied Joint 

und 500 ,, 75% or I 0(}- o Sur> i \l.)f Ocnctit. 

(Bl In the C\etlt :1 Tcnninatcd Vt:>tc:d Pa:tkip;mt sub<equcntly rerum; to (\nen:d 

Sen icc. the Plan prt.l''isi(ms in clli:ct after the Tcnninatcd Vc;tcd Puni<~ipant retums 

J2 

36.39 
to C(>Yered SCf\ icc shall apply only to Se"·ice earned after hi~ her rerum to CtWL>red 

Service and f<,r thl" put"J.>OSC of et~lculating any benefit. the Aecmcd Bcndit cam.xl 

prior to the Participan: bC.:Onltng ~ TL'rrnin;ncd Vested Part•cipant 'hall be ;l(ldcd to 

the Accrued Bene lit earned al\cr Ins/her return to Cmer.xl SeJYICC. 

36.40 
.\RTICLE VII I: DEATH BF.'IEFlTS 

R I Pre-Retirement Oeath Ucndit 

(A) 

(Bl 

(C) 

(0) 

Subject w ~uh- aragn11>h (C'J. a lJ~alh Bcnctil shall b~ payable to th<.: surviving 

Spo:.N: ol <~ Participant or former Participant who di<:~ { l J atkr All1,'11~t 22, 1984, 

with ;~t least 5 Year; of Service, (2) on or afier the earliest date on which the 

Par.icipant or fonner Partictpam could ha,·c elected to receive bcndits from the 

Plan, but (3) prior to the commcnccmcnl ofhenctits {-I) ~11<1 coH:r;1ge has nm been 

waiveJ. The amou111 Clf the Death Flcn.:liL ll be n monthly payment to the 

n· ving Spouse for liiC, equal w ~/. of the amount which wuukl have been 

payable to the dcceas<'(l Participant or former Par11c1punL 11' heishc had begun to 

receive l><:ndits in the fonn of the Quahtied Juim and 50~{, Survivor Bcndil on 

the date before hi:..1lcr death. The payment of such benefit to th.: ~utviving 

Spouse shsll commence Ul' of the first dny of the month next li>llowing the month 

in whk h th ~ ~rli~irant dies. and shall be paid mo11thly therea fter. ceasing with 

Lhc month in which the death of such Spouse occurs. 

Subject to sub-p.uJgraph (C), if the Panicipam had not rLoachl!d the earliest dat~ 

on which hcishc could ha,·e elected tO receive benefit, from the Plan, but tlies 

ufh:r i\u u•L 22, 1984 with at least 5 Ycnrs of Service and has not W<lived 

coverug.,, a Oeath Uenctit shall also be payable to the sun iving Spuusc. Subject 

to sub-paragraph (C). such Death Benetit shall be n m"nthly payment to the 

sunh ing S;xmsc for li fc, equal to one-hal r of the runOI<Ilt which wuuld ha' e b<-cn 

payable to the de~ca.~ed Putticipanl if he/she had ~crarated trnm Service on the 

dntc of death, sun iv<:<l to the earliest date on "hich. under the PJ,m. hc'shc could 

have elected w receive l'ctircmcnt benefits, llud retired with nn immediate 

Quali tied Joint nnd 50% Sun·ivilr Bllndit at that time, and then had immediately 

died. The payment or ~uch hendit to the survivin~ Spouse shall commence as of 

the earliest date on "htdl. under the Plan, the dccc.bcd Participant could have 

elected to recdve bcncfits nnd shall be paid mnnihly lhcreufter. ceasing with lhc: 

month 111 "hkh the death of such Spouse <><:curs. 

Effective Mav . I. ltl09. unv Prt:-Retircmcm Death Bcnctlt that hal< not vet . . 

comm~ne<:d and "'" crnge has not been warvcd, a d>Jrgc will be implemented tln 

~uch em .:rage that entitles the sun IV10!:l ~(X1U.'e In receive 50"/o of your Juinl and 

Survi,·or Benefit for the rest ,,r hi~:1ler lifetime. Such coverage may be 

maintained with a reduction in beoetits tor each month the cowcmg~ is in effect. 

The rt:duction in a Particip:tnt'.., nH>mhl~ hent:lit will depend upon the 

Partidpant's a g.: at which hclsh" cloct C(l\ erdge and the number or mnnths he! she 

cbo;,c to be covered. The ti.1llowing table provides th.: .:oo;t of tho Prt\-Retircrncnl 

Death B.:ndit cnv~rag~: 

36.41 
Cost O!'Prc-Rctirc111cnt D~uth Rendit (o,erngc 

Age Range Percent Rt:duction in Acct11c<l Benefit Per 

Month Covered Within Age Rll11!;C 

35-44 0.002% 

45-49 0.004% 

50-54 

55-59 

60-65 

O.OOS% 

0.017% 

0.045% 

(E) EITcctivc :'o. lay I, 200<) a Pw1t..:ip.mt \ lllonthly benefit shall he reduced to cover the 

o.;ost o f providmg the Pre-Retirement Death Benefi t for ead1 month tile bcnctlt 

ctl\'CI'Ilgi! is in effect. To elect out nl' the ti r~ cuL Death Benefit the 

Participant must follow the el.:cti\>11 \\';li ver n•tes. including written spousal consent. 

under ERISA Section 205[c) nnd nnr oppticablc regulation. The PartidpMt may 

rcin.sta•c the Pre-Retirement Death Benefit at any hmt!. 

(F) Acmarial Eqmvatem of o~ath Oo:nclit. '\;otwithstanding the foregoing provbiou~ of 

tlus Article. if the ;\ duanal Equivalent, as dctincd u1 Section 1.3(C), \If the PrcRclircmcnt Death Benefit docs not exceed SS,OOO and th<l Participant's death 

occurred after Augusr 22, 1984. the i\ctu<~rio l Equivalent may. ut the discretion (>f 

the 13oard of J'rustccs, be paid l<> lht.l ' UI"'iving Spouse!13eneficiary in a lump sum. 

(G) In the ca'c oi' a qualified pr ircmem survh·or amiUily t\.' dcscrihctl aboYe. the 

plan udmmistrator shall pro"idc each participant within the upplicable period for 

such participant a written c'plonation or th~ qua!i tioo preretirement survi' ur 

annuity 111 such tcnns aild in such a manner as would be comparable In the 

cxplanatton pro>idcd li1r meeting the requirc::m.:nts of ~~"'tion 5.3(B) applicable to 

a qualified joint and survivor annuit). 

(H) ·n,o.: upplicnhlo pcriNI fi•r a partidpant is wilichc,·cr oi' th" follnwing periods ends 

last: 

(I) the period beginning with the tirst day of the plan }"ar in which the 

participant attains age J2 and Cll(ltng '' ilh the clu'<! uf the plan year 

preceding the plan year 1 1 which th.: participant artains age 35: 

(2) a reasonable period ending atlcr the individual becomes :1 participant: 

(3) "rc:ason:~. c period cndmg after Paragraph (L), below, cc:1t>c:. to apply to 

the participant; 

(4) a rcnsonablc J>eriod ~nding atler this m1icle tirst applies to the participant. 

(I) 1'\otwithstandtll£ t'lc fi>rcguin!!. nnticc must be pr<wldcd within a reasonable 

pcnud cndmg aftL'T' "'Para! inn 111' 5eT\·ice in case of a p3rticipant 11 hu separates 

lrmn s.•rvkc hef(•re attaining age 35. 

35 

36.42 
(J) For purposes of rhc prc.:Cdlllg pMagraph, u rca.,unahlc r-;ril•ll ending after lh~ 

enumerated C\ cnb d~~crihcd • n ( 21. (J l and ( ·H is I he end of the two year pcrind 

heg.nning one ycur prim lo lhe dme the npplicable C\'Clll occurs and cnc.ling one 

yeur after h~ t date. 

(K) In the case of u P<ll'ticip:lllt who separates from service before lhc plan year in 

which age 35 is attained, nolicc shall be pro"itle<l within the lwo year period 

beginning one year prior tn ,cpuruti•m ;md g one year after sepMati<ln. Tr su~h ~ partidpunt lherc.lller relun1S to employmcnl with the cmployt!r, the 

applicable period for such pnrlicipanl shall be rcc.lctcnmncd. 

(Ll Notwithstanding the other requirements of this section, the re,pcctivc noliccs 

prescribed by this section need Mt he g"~" to a partklp<mt if (I) rhc plan "lull) 

subsidize;;'' rhe cos!:. or 11 tfU.IIified joinl and st:rvi"or annuil) or qualifie.d 

prcretircmcm survivor nnnu11y, and {2) the plan docs not a!lm\ tho.: r~rlicipam 10 

waive the qualified joint and survi\or annuity or qualifi.:<l prcrchrcmenl survivor 

annuity and docs nut allow a m~ni<'<l partidp;mt to designate a nonspuu~e 

beneficiary. 

(I) For purpos~s of I ~ l'aragmph (L}, 11 plnn fitlly subsidi7CS the costs of a 

benefit i r unu<~ r he.~ plun no increase in cos I or decrease in bene lit' t<> the 

participanl moy result from the participant's ai ur~ lo ..:kct another 

benefit. Prior to rhc lime the plan allows the partidp:t••t to waive lht 

qualified prereti r~mcn l surv i\'ur annuity, the plu n may nor charge lh<: 

p:lrticipanl lor the cu't uf such benefit by reducing the parlkipant's 

bendil< und<'f tlw plan or by any other method. 

8.2 Poot Retirement Ot:ath Bent:lit~. 

(A) If n Participanl dies after receiving ar leas: one monthly h.:nclit trum I he Plan, the 

Death Benefit shall be dcpcnJ..:nt upon th" fin m tJI ben..,fit which had b.."Cn 

received hy 1hc Panicipant punr t" his·1H:r de11th. 

(B) If the Pm1id panl was receiving one of the Qualified Joint and S11rviv<•r flenefits. 

the surviving Spouse 10 whom lh<l ucce,Jscd Parlicipunt w<~ s manied upon the 

commcnc..:mcnl of his/hu1· b"ndil' ' h"ll r~c ive nwnthly benetits t·or t i fc in an 

umount cqu.tl lo lh ~ pw.:enlage of the amounl which had been elected hy the 

Panicipant and Surviving Spouse. Such bcnctlls shall eM1mcncc ns nf the ftrsr 

day of the month coincident \1 ith or llC\t following the Participant's dcarh, and 

shall tcm•inalc in lhc· mMih in which the Sp<>use's death occurs. If such Spouse 

has predece~sed the Partidpi!nt. no funher b~n~fits ~hall be p:1y.1blc. 

(C) If rhc Part:cip.llll refired prior lo May I. 2009 and "a' rt'Ct:l\mg a lifclimc 

monthly bencfil and hi~ncr dl'ath nc~urs pnor [(I the lt'Ceipt c•f 60 month!) 

pa~menL~ unda the Plan. 1h.: lkneli.:iury shall receive rhc remainder or th~ 

payments, comtnc:ncing II> c>f the first day of the month following I he nw nth in 

which 1hc Pru1icip an ~ rkarh occurred, and payahle a' 11 1' tho fif,t day of each 

36 

36.43 
suh;c4ucnt month umil 60 monthly pa)1l1cnts have hccn made to the deceased 

Panicipatll unci to the l1cncficiary in the aggregate. If tile decenscd Participant 

had ~:cc vcd at least 60 monthly hcndits as llf the date ,,f death. no Death 

Bene tits shall he payable. 

(DJ II" the Punkip;mt retires on or alter Ma) l. 2009tht: death bt.·ncfit shall depend U(l\111 

whether or not the Participant hJ.'> dct.1c..'d the 60 month guaromcc with a munthh 

reduction in hc.'th!lit p.~r-.mnlto S<.'(;tton 3.3. Scction4.3 or Sc.:taon 5.9. 

(F) Actuarinl Equivalellt of Death Bcn.:llt. 1'\otwithstanding the foregoing ro•Nnn~ of 

this AJ1idc. if the Actua1ial P.4uivalent. as defined in Section 1.3(C), ut" the Post· 

Rctm::mcnt Death Benefit does not exceed 55,000.00 and thl.' dcuth (>I' the Panicipant 

occurred ufter August 22, I \11!4. thll 1\ctu:t•ird Equivalent may, at the discretion of 

the Uoard of Trustees, he paid In the surviving Spouse'Uem:liciary in a lump sum. 

ll.3 Failure to Dc>ignate A Re•1eficiary 

(A) When a Participant dies without de,ignating a Beneficiary. the Dc!ltll BcncfiL if any. 

shall he paic1 to such Participant's legal Spouse. if any. If the Participani's legal 

Spouse shall have a pre-d<.-c<'u~ed him or h3s ceased to he hisil1tT legal Spouse. the 

ut h Bcnclit shall be paid to the Participant's legal child or children, in equal 

slu ~,. I r nv eg~rl Spous<: of legal child or children arc olive, the l)cmh Benefi t shall 

be paid to rhc Executor or Administnrtiv.: Manager of the deceased Part1cipont's 

Estate. 

8.4 Apphca11111 1 t11r 0C'dlh Rene fit< 

(A) No Death Benefit p1y-ablc umkr th1s Pension Plan ~hall be made to any Partt.:ip;mfs 

13cncfici.lry(ics) unks' applic•ti\m nnd claim therefore is made to the Board of 

Tnbh.:cs within 12. month' after the nate of death of the PJrticipant. 

(R) How~ver, the Tntstecs may in any cu.,\;,., where the ircum~ianccs appear l<l warnmt 

su.:h actton. liberalize the li-orcguing condition. 

37 

36.44 
ARTICLE IX: SIISPF.I'\<;10'1 OF B£\'£FITS 

9.1 Suspension of Benefit Rules. 

(A) Retirement Benefits shall be suspended l(x Participants whu un: 1e<:eh ing bencllts 

but who meet all of the conditions as set f(,nh hdow in subpawgraph (13). 

(B) Retirement ~nelits shall be suspended if a rctirc.::c sati; li ~s all ol' the following 

requirements. 

( I) 40 HOUR RIJT F.: 

(n) 'lltc rctin:c " rc-cmplo)~J fur ·40 or more hours during an) ltmr nr 

lt~ c-"<.'1:'< payn>ll period which falls within a calendar month. Reemploymtm shall include :.elf-employment. 

(2) SA:VIE l~DL!STRY: 

(a) 1l ~ r<!lin:t: ts fc·cmploycJ in the ''same induslry", which shall be 

tlcfintxl tiS rctuming to work within the Bnck and M asonry JJl(lustry 

and ns in accordance with the tl nitio ~ contoined within the 

Collective Bnrgnming and Tru~t Agn:ellicm. 

(3) S1·\ vrE TRAOF OR CRt\fT; 

(a) The retiree is re-employed in the ",.unc ll"a(k or craft". which shall 

be dctin~'\1 J~ rciUmmg tu wurk in a tmde or craft in which he she 

wa, •mplu)~'l.l at an)· time prior to his. her rcnrcmcnt untlcr th: l~m 

;md xhall indude MY supervisory or managcnal acti\ 11y tllln is 

rea.wn<~bly relmed to dtc undcrl)lng sl.tlts a""'c •ul~'l.l with the trade 

or craft for which the retiree wa.~ trninetl or in whkh he/she acqmred 

his:llCI' '"~rl. ex I)Ciicnco. 

(4) SAMF. GF.OGRAI'IIIC AIS.E6: 

(a) The rclircc i$ rc-ompk>)ed in ihe "~ ame gf.'\lgraphic urea''. which 

shalt be uctincd to cover the entire State of Ohio t1nd p.lrtions of 

tho~e )lates k•cated ns a part of the Standard Metropolitan Statistical 

Area. as defined by the U.S. Census Bureau. 

9.2 Reinstatement of Retirement B.:nclits 

(A) Upon termination of re-empi0}1llCnt which rcsulkxl in the su.'Jl<!'~"'n uf Retirement 

Uencfits. provided the Pan1cipam has 'uhtmtbl a fl.'\!U<:stw the Uo11rd of Tru.'t~ 

for the rcsumpli<mufhis11":r hcncfit on an appl'<'priate form furni shed and upprll\ c<.l 

36.45 
h) tlw Tru,lt..:s, the Panicipanl'> n·:mmen! heneflt ,..hall he n:'u"'~"l nn the first day 

of the ~~kndar month li>llo\1 ing th ~ r~~dpt ol'tht: r~<ru ir d no i~~ ••-' set fo11h below; 

(a) II 11 rt:tirc"' wa.., r~etving n Normal Retirt:mt:m Benefit at the time of 

the suspension of that benefit the reinstated lx:ncfit shall be in the 

amounttllc rctir~'C was r~'Civing prior to the Sll~pcn sion ofb.,dit in 

~ddition to an~ amowll rl!<l!i/-<-'tl ti.1r SeT\ i~-c resulting from such 

rt:emplt>)111tmt. 

(2) 12/\RLY RETJREYIEJ\TBE>JEFIT : 

(a) If a Retiree wus receiving an early Retirement llcnefit at th~ time 

of the suspension of that benefit. the reinstated benefit shall be in 

the amount the n:tircc "a~ receiving prinr 111 the suspcn,iun of the 

benefit, plu., any amount realized fur '"" ict' a~ a result of the 

reemplo)ment. reduced by the E:trly Retirement factor applicable 

to the Retiree's current age at the time ofrcinsmtemem. 

(B) Upon c~umption oi' bendit payments, the re nstut~d bcnulit shall be the smnc 

k>ml of bc:nt:lit th~t was hcing n:ceived before the su5pen$ion plus any amount 

rculitcd li.>r service as a result of the reemployment and the new benefit amount 

shall be based on the Retiree's age ot the time of reinstatement. 

(C) Ifh.:nelit payment- in an} form aN suspcndc:<.l pu,.,u;tnt tn Articl" TX ufthr: Pl~n for 

an F.mplo)<:c whu c\lntinue!> in scT\ice l'ithoui a ~epar~tion and who docs not 

receive n benefit paymellt. the re,ommencement of benefit po)mcnts sh~ll be trcat~.,-J 

AS a new benefit mning dare. 

9.3 Active Partidpunw Wbu Work Beyond 1\c.nnal Retirement Agr:. 

(A) The Suspension of Benefit Rule< ns set fonh in this i\rtidc sh:11l be npplic.d to thc"e 

Panic1pruus who continue to worl.. otlcr reaching d1c >lonna! Retirement Age. l\o 

rL'lirl111Cilt h.:ncfits shall be p;~itl li.1r 'ueh months in wh~o.:h th.: Participant is 

emplv~etl l(>r 40 or more hour.., 111 the Same Industry, Same Tmde or Craft and in the 

Same Geogrnphic Ar~.1. Any benefits which are suspended during such months 

shall not be paid at any later date. trUtc l' nrticipant continues to work after re.aching 

Nonnnl Retirement Age but worl-s less than 40 hour, per month in the Same 

lndu$Lry. Sum<! Trade lll Crall anti in the Same G~ogm hi~: Area, no retirement 

bendits shall be paid while the Parti.:ipnm is employed. Upon the Participant's 

n::tircmcnt. any benefits 11 hkh wen.: >Uspcndcd and to 11hich hcl~hc is cntitlc:<.l shall 

be n:sturcd in accordance '' ith the regular Plan pruvbtllll' Such pr.w1sions shall 

provide bcn.:rit t:redit li>r all worl. po::rl(>mlcd un<kr the Plan prior to the l'ru1icipant's 

(ll:tunl d:uc of retirement 

39 

36.46 
9.4 l'l>tifi~:Jtit•n and Presumption. 

(A) The t>llrtidpunl shall ~ ~yuirt:d 10 notify the Board nf CC$ at such time as 

he she bct:om<;<s re-employeu by tiliug, 11 1'\oti..:c of Return ltl Work. rl1c 1.3onrd of 

T m~tc:es may net on the bnsis 1'f o presumption that the l'an.t:Ipunt has exceeded the 

allowable hours of c-cmpln}m~nt. Thc: l'aru~:ip;mt's benefit shall be su.~pt'ndo;(l 

immediate!) and th~ Panit:ipJnt 5lmll be notified accordingl)'. Tile Ro:1rd of 

Trustt:'-" shall have the right to apply the Suspension of Ben~tit Rule:; retroactively 

to the initimion of wort by the Participant's F.mplo~cr ot the job site. The Boart.l"f 

Tmstccs may. in additit)ll. reyuo:st iul~>nm1tion from the Partieipam conwming such 

n:·employment activity. ind uding tox withholding statement> in uny given period 

rdated w the:: Participant's re-employment and any oth~r r~as(m:Jhle intonnation I( or 

tlw purpose of verification of sud> re-cmplo)1nent provided. however. no payment 

shall he withheld by the l'lun puNu;mt to this Section unless the Ptnn notifies the 

Partidpant by per:;onal delivery or first class mail during th.: lir•t cul~ndar month or 

p;l)Toll period in which th~ Plan withhnkb pa)mtmls that hi:;;her or her benefits ar~ 

suspended. Such notitieallon> ~hall cuntain a descriplton of the specific reason~ wh) 

benefit payments are being suspended. a description of the Plru1 pro\'ision relating to 

tlw su;pcn>ion of pa)ments, a copy of such provisions. and a statement to the effect 

that upplicable Department of Lab1.>r rcgulntinns may he li>und in Section 2530.203-

3 of the Code of Federal ..:gu Litio ~. 

(B) In ac.ldilJlln, the notice ' hall int~1m1 the Employee of the Plan's procetlun::;, for 

ulli>rdlllg a rc:\'iew of the susperiSion of benefits. cquc<L~ for such reviews may be 

considered in accordance with the claims procedure umkr Amde XIII and during 

that pro~cdurc the Pnnicipant shall he gi'en the opponunit) w come forward and 

demonstrate tl1c fact that helsh~ c.l1d not "ork the minimum number of huurs of 

rdc' ont ~cl'\ icc for the perioJ in which hiS:l1cr benefits were suspended. 

9.5 r'\dvam:c Determination. 

(I\) The Por1 icipant shall hav~ the light t\> request that an udvancc dctcnnin.tlit>n be 

made conccming the c:fl<:.:t of ~ her re·emplo~mcnt on hi t.'t' rdir\.'t'llent benefit. 

The PJrticipunt shall be required to submit llisih.:r r"-c1u~st t<llhe Rnard of Trustee,; 

un an .1pproplinte fom1 approved <Inc.l pruvit.l.:<l h)' the Tru,tees and m accordm1cc 

with the procedures ~tabli'h"'d h~ the T ru'tees. 

9.6 Reslllnptinn oi'Bcn~lits. 

(A) The Par1iciparlt may rct)uCst resumption of' benefits at u~h time :1s l1c.cshc no longt:r 

meets th~ u•nditmns of re-employment. as set funh in this i\rticlc. The l'articip;u1t 

1-hull 'uhmit i~ her request tor rc>umption of benefit, on a t\•m1 approved and 

provided h) the 1.3oard of'l rtlstccs. 

40 

36.47 
9. 7 Rc.:m <-T) ol Ovcrpu)ments- Offset Rule. 

(A} In the C\ cnr pnymcnts have hccn ~>uetl to a rctir~<! fl>r 1111)' period during wluch 

l11s!hcr benefit should have ht.>t:n ~uw kd. the retiree slwll be liable till' the full 

nmount of any overpa) m<nt(~ J'hc manner and the amount ut' rc<.:overy of the 

merp:t)1llt:nt(s) slmU be provided tO the retiree in the Su.~pcnsipn \lotice furnished to 

him at such time as his. her bcnclit•s >U'l''"'IJc:tl 

(B) The! Bu;trd of Tru>tccs mar delay the resumption o l pa)mcnt of the retiree's full 

retirement benefit umil the earlier of the rcc~wety of the! cwerpaymcnr(s) nr the 

first dA)' of the third calemlar lllonth (\>r fi.1ur or five-week ~yroll period) atler the 

retir"'c is entitled to th<.J re,umption of hisihcr benetlt. 

(C) If the T111stccs have not rccmo,·cd the li11l am\1unt \lf any overpayment by (A) 

above. the Trusl<!.:s 111ay tl~ducl up to 25% of the rctin:c's subsequent benefit 

payment cJch month until the plymcnt is complctcl) r<.-c(lV<.'I'Cd 

41 

J6.4R 
ART£Cl.F. X: QU \l.lf'lfO 00\lf:STlC Rt::LA I'I O~S ORIHJ{ 

10.1 Quatitied Domesti c Re1atirms Ord.:r. 

(A) ,\ Qualified Domestic Relati ~ Order :;hall indue!.., any Dom~Ntic Rduti •n ~ Order 

which L"l"e:.tt.:s or :cogni ~t:s the .:xistc ~"' vf" an A1temate Pa)et:'s right to, or assigns 

to an Altenmte P11ye"' the right to, receive all or a po11ion of the benefits payahl~ 

with respect to a Participnm or former Parlicipant, which clearly spccil c~: 

(I ) the name and the h1>t known mailing addre&s tif nny) of the Participant or 

former Participant. and the name and the mailing address ol each Altemat<: 

Payee CO\ crcd hy th ~ Order: 

(2) the amount or percentage of the Participant"s or Fonner Pantcipant's h<.'tletil~ 

to be paid by the Plan to CJch >uch Altcmatc Payee. or th.: manner in \\·h11:h 

such amount or pcr.:.:ntJ~c i~ It) r<! determined. 

(3) the number o f pa}mems or period to which such order applies; and 

(4) each Plan to whi ch such order applic~. 

(B) [n addition, a Oorncsli': Rclutiuns Or r will be t"l>nsidered u Quulitic•d l)omcstic 

Relations Order only if sud\ iJfder: 

( 1} docs not require the Plan to pro1 ide an~ tyrc or fonn of h~ncfil. (lr any 

<\ltion. 11ut othcrwi:-c provided under the Plan; 

(2) does not r((juire the Plan to pro\'ide increased benefits (dctenuincd on the 

basis of acruarial value); and 

(3 J do~ not require tho ld)'ll1~ t 111' benefits to an Altern~ ~ Pu~ee which 3rc 

f((jUtred lo be p;aid tn <mother Altematc l'ay,.., under another Domestic 

Relations Otxler previously determined to ben Qualified Domestic Rdmions 

Order. 

((') A Dumelillc Rc at o11 ~ Onler olhcl'\1 ise satislyiHg lht: provis on~ hereof slmll be a 

Qualified Dc\Jnestic Relntions Onl~r c1·cn though such order rcquir~s rn>1ncnt of 

benefits to be made to an Alt.:motc Payee on or aticr the dntc the Participant vr 

tormer PMictpant aunins (or would ha,·e attained) the arli t date on whkh. under 

the Plan. the art•~ipant or li.mner Parh ip;mt L"Ould elect tv rccci1c rctircmcm 

b~11cfits a.' if the Participant or fiJnncr Pa.-ricipam had retired on the date on which 

such pa}metlt is to I><: gin under such order (bu: takins into account the pn.''-L'Ilt , alue 

of any Plan suhstdy for Farly Rctiremc::nt): and in any lorm in whtch 'uch benefits 

other lhdll inth~ limn uf'a QUJhlkd JiJint and Survhor Benetit \\Jih r~o:;pect to the 

Altemate Paye~ and Ius/her ''r her s11bsequetlt Spouse. l he prior scmcncc >hall 

42 

36.49 
app:y nomitlbtnndtng an~ p~O\hiUn.' in th~ Plan Tt!((Utrin!l a knnination of 

o;:mpln~mtml prior [(l the t:hgththt~ l<u· the rayment ofb<ndib. 

10.2 Altcmntc Payee. 

(A) An "Ait.;mate Payee" shall tnclude an)' Spou ~, tonnl.'r SpoLL>t:, child or other 

dependent or 11 Pw1icipmll or fonner Participant who is recognized by n Domestic 

Relations On;lcr s hmving a right lO receive all. or a portion or, h~ cfi ~ payahk: 

un<.ler the Plan with rc:1p1.'\:L tn such Parti cipant or l<lnnt'l' Pat'licipant. 

1 OJ Spcndtltritll.'xccption for Qualified Uomcsu.: Relations Orders. 

(A) Th~ cre-.ttion, :~. .... ~igmncnt nr r~ugnitton of u right to any bene lit p.tyable "ith respect 

to a l'anicipant pu~uant to a Qu.11ificd Domestic Relations Order shall not be treated 

as an assignment or alicn;uion prohibited by ERISA. This c.xccption tn the 

Spt,'ndthrift Pro,isions ~hnll npply onl; to QualiliL"'l Domestic Relatum' Onler; mtd 

shall not he applicahle ln tho>~ whiclt h ;IVt: been determined nvt to be a Qualified 

Domestic Relations Onh:r. 

1 0.'1 Procedures tor l'<oticc ami Dclcnninntion by Plan Administ·rmivc i\ofanagcr. 

(A) The procedures ~l abli ~hed by thc R(•artl o f Trustees for the tlctcnninution of the 

qualified status of Dt•ru <~tk Rdntions Orders amlHotilication to the p: y~:cs ~hnll be 

those set forth in th.: Resolution to the Plan. 

36.50 
ARTICI.F. XI: PLA '\ 1\D;\IINISTR\ 1'101\ A.'\0 BJ::C'IEFIT DISTRJUUTIO'\ 

11.1 Responsibility f(,r Admirustmtion. 

(M The Plan shall be dm i;,tc ~d hy h~ ru h:!t:~. " ho an: id ud<~r c> under the Plan, 

in accordance witl1 the powers granted to them by the. Trust Agrccll\Cilt. I he 11>1lllt:d 

f.iduciary muy oy one or more persons to render advice with ~~:ard w any 

responsibility such Fiduciary Ita~ under the Plan. The Trust.!<:~ 'hallmuke such rules 

and prescribe such roc~:~ lu rcs t(>r udmini,tnnion of the Phlll as they shall dccrn 

ll c~cs><t ) a11d respomiblc. 1 he decision o f the Trustees in all manners pertaining to 

the mlministration of the Plan shall be final. 

I I 2 FiJuc>ary Duties. 

(A) A Fiduciary shall d•schargc hb, 1~<.'1' duties "ith n.'<<p<1CI to the Plan 'tllely in the 

interest of the PartJcipanl\ and R""dicmries for the ~clusi ·e purpose of providing 

hcncliL< to Pur1icipunt< and Reneficiaries and defraying reasonable CXJ'<.'Il~e., ol 

administering the Plan. 

(B) Fiduciaries shall disdwrgc h~:1r duti e> with e~11 ect to the Plan with Ciii'C, skill, 

prudCJlcc nnd rlili !:l! ll ~" under ~ circumstances pr.:vailing tlull a prudent n acting 

in a like capacity and lilmihar with such matters would usc in the conduct of an 

elllerprise of a like chan1ctc1· nnd with like aims. 

(C) TI1c Fiduciaries shall di\CI'llify the invtl!> tmen ~ of the Plan''' as t,> minimize the risk 

if large losses. The F'itluc•urie' shall tJi,charg.: their duties in u~cNdancc with th.: 

dvcuml:!llts and m~trumcnts g\!Vc:ming the Plan. 

I 1.3 Limitation on Right5 to 13cncfits 

(A) '\o Participant, hmm.:r f'Jtlu.:ip~nl. rctired Panicip<mt, BenefiCial) or any pCI'linn 

.:!aiming by or thwugh any ~uch person, shall haYe any right. interest 0 1· Iitle to any 

benefits under tlte Tn1st Agrecmcm, the Pension Pltul or the Trust V:und, except as 

such right, interest or title sh~ ll wc bct:n >vc•:i II <:ally granL(!(l pursuant to the tc1ms 

or till$ ~iO I f'lan. 

11.4 Benefits Limited By Pension Piau. 

(1\ ) t\ 11 benefits under liw Pun,ion Plan shall be paid by tho:: Board of Tn ~tces or an 

agent under the Tru,tces acting on their authority. 1\otwithstnndin~ any uther 

pro,·isions of ti>Js Plan. no b.:ncfils shall be paid except tl10sc Cat' be provit!"d under 

the Plan un:css othcrwi'c required hy law. 

36.5 t 
I 1.5 Assignment of Bene lib. 

(A) N~' money. propeny. equity or int rc t of any nan1rc whatsoever in the Tm;;t Fund. 

group mmuity or other contract. or any benefits <)r lll<)ni cs p3ytihlc ther~fmm shall be 

subject to nssignmcnt or alienation, uitlu.;r voluntary or in,oluntary. H0wcvcr th1' 

pmvbion shall not apply to the ~:rcation. assignment or recog~ution of a right to aJl) 

bendit payable "ith respect to o Participant or ti>nncr PnrticipM; pursuant to the 

prov1sions of the Rctircmclll Equur 1\ct of 198.! oonc~'T11ing a Qualillcd Domestic 

Rclat1oM Order. 

11.6 ForfeitLJrcs. 

(A) :'-Jotwithsttln<ling any other provisions of this Plan, ,lJ1y amounts that migl1t h~ 

torft:itt.'d by a Panicipant or former 'anici~1an1 sh~ll not be used to iiK-rcas~ the 

benefits of any other remaining l'articipan:s. 

II 7 Delimit! Bt:nclit. 

(A) t.:xccpt to the extent a Pat11cipant's hcncfi:s arc suspended 111 ac..:ordance \\·ith ;\!tick 

IX, the nmoum of nny fom1 or benefit under h~ LL1ms of' thi ~ Plan will be the 

Acluariul Equivalent or the lj anidpilllt's AL'<:I'UCd ~netit in the nonnal foml 

wmm~ ci g at Normal elir~ ll Age. Actuarial Equi\'alencc will be dctcnnined 

as is deti n.xl in Section 1.3. 

I I.S l inutatio:J of Benefits. 

(A) The hmitalion nf bend it, l" ln>Jl<l'-C:(I b~· the lnt malH.ev~nu.: Code arc set forth in 

Article X II. 

I I. 9 Rol!ovcrs. 

(Al ~: Plan Admi ni str~ tive Manager shall pro\'itlc a wrincn explanation lo all 

r..:..: ipicnt~ vf distributi<ms under tltc Plan considered to be cligibk: for rollover 

trcntment. The explanation sl1.1ll include a notice that (I) the <hstnhution shall not 

be eu!TI)tllly taxed to the c\tr.:nl translerr.:d In another qualified Plan or individual 

retirement a.:cnunt within 60 du)" atlcr tht: date on which the recipient rccc,ws 

the distribution and (2) of the ten-year income averaging and capital pins 

provis1ons. if applicable. 

(B) Ellct·tivc January I. l 993, the li>llowing 11pplies to distributions involving direct 

rotiO\'CJ'S: 

(I) 1'\otwirh~:nnding any pr\1\ bwn uf the Piun lo the cmltrar) that would 

uth~-rwise limit a <.J.,tuhut~:.,', dccti<.>n onder tllb pan. a distributee may 

elc:~:t. at the: rime and in ·he manner prescribed by the Plan 1\dminisllati,·c 

.\1tmagcr. to ha\'e any port ton of an eligible rol!O\ t-r distrihuti<.•n that i~ 

36.52 
equal to at lea;t )500.00 p~id din:ctl) to an eli~tbk retirc.:mo.:nt plan 

speciticd by the di~trihutc~ in a direct rollo,·er. 

(2) ih~hle rdir~mo:nt plan: An eligible ·et ir~ncnt pl"n i~ un indh id\tal 

retirement accounl described 111 Section 408(a) of the Code. :1 Rmh IRA 

described ltl Sccti<)ll 40R(A) of the Code. an individwtl retirement annuity 

dcscd bcd in S~<: Lt n 408(b) of the Code, nn annuity plan dt:so.:ribcd in 

Seclion 403(a} llf the Code, or n qualified plan de~c ih.:d in Swtion 40 I (a) 

of the Code. that accepts the dtstnbutee'; digibl"' ro llover distribution. 

llowcvcr, in the cJse nf an eligible rollover distribution to the urvi ving 

sp LL~e, an t:l1giblc t ctir,·mem plan is an indi\ idual rctirctlll'lll uccount or 

indivitluill retirement annuity. For distnhuiJOn; m.utc uth:r December 31. 

2001. for purposes of tho.: din~ct mllo<t.'r provisions in Section 11.9 "f the 

Plan. an eligible retirement plan shall also mean an annuity contract 

d~scrih~'<lln S~X:tic>n -103(b) of the Code and an chgthlc plan under Section 

457(b) Q[the Code which is mamtamcd h) a ~tate, political subdtvisum of 

a state. or an} agency ur in,trumentality of a state and which n~,orees to 

separately acc<,ulll filr amounts transferred into such plan from this Plan. 

The ulllinitiun of eligible rctiremcm plan shall olso nppty in the case of a 

distrihution lOa surviving Spouse, or to a Spm"e or fvm1er Spous..: who is 

the Alternate Payee under tl Qualified Domestic Relations Order, as 

defined in Sccti<1n <114(p) of the Code. An individual who ro lls over !Tom 

th ~ Plan tL' (\Roth rRA described i11 Code Section 40ll(i\) mu•ll include in 

gross income any portion of the convc1·sion am<)Unt that would be 

includible in gross income if rhc amount were di~tribut.:d wilhoul being 

rolled over. Rolln,·cr.: to Roth IRA ·s are ~ubjecl to un :1djustcd gmss 

ince>mc rcnictinn through :!009. 

(3) Distributee: A diwibutcc 1ncludcs an Employee or tonn~r Empl<1yce. In 

addition, the Employee's or fonner Employee'; 'ur11ving Spouse and the 

Employec·s or fonncr Emp!O)e<'!\ Spou"e or ft>mlcr spouse who i, th.: 

Alternate Payee unt!cr a qu.1 ili~d domestic relations order, M dclinerl in 

Section 414(p) of"lhc ('ode, ;1re distributccs with regard to the interest of 

til" Sp"~" vr f(lrnler Spouse. For distribulinns tdlcr 1\plil JO, 200S, an 

Eligible Rollover Distribution etln be r1·mde tv a mm·~(')IH se 13cncficiur·y's 

indi vidual retirement account or indi,·idual retirement annuity. 

(C) E!fed1ve JamHJry 1. I 993, any distribution under this Plan which i~ nn eligible 

lll' r dtstribution \\ hich i> not in accordance "ith Sectitm 11.9(13), shall be 

subject to a 20" • mandJiury "ithhulding. 

11.10 Fnrfcitahilit) ofBendiL~. 

(A) "the Plan Administr.lli\C 1\lnn:lt:CT shall furnish Active l'articipnnt> nnd II' tenninJted 

Plan J>a11icipams wnh J \ "estell fknefit a statement of Acc111cd B~nctiL~. mcluding n 

46 

36.53 
notice that <.:~•lain nendits mu~ be lorfcil!lblc. if the Partictpant's death occur;; prior 

to a sp..-citic date. if applicnblc to the provisions of the Plan. 

11.11 Procedures for Quahlied Dtllm:~ ic Relation' Ordc" 

(.•\ ) In the event the l'lan shall receive a Domestic Rclntions Order. the n .. mrd of 

Trustees sh:lll a.:t in a<.'COrdancc with nny ndministrative pnll'<!tlure~ utlopred by the 

B<lard t\fT rustccs Such pmced<.rc' <hall h.: furnished to thc Participllnt and Sptlu'e 

<•r tl>e1r n::presen attv~~ upon request. 

11.12 Incapacity. 

(A) In the e\ent the 13oiU'd of Trustees dctcmtinL'S thnt a PnnicipanL rctirod Participant 

or any other payee is mcm3lly or phy'>icall)' unable tu !l.'w u valiu receipt for any 

hcnellt due him under the Pl:m, such payment may. unless claim shall hnvc been 

made hc:n;for~ hy 11 lcg;dly appointed g.uardi;m, conunittec or <)thcr legal 

eprescnmti~c. he pnid to any person or instinttion then in th.: judro-1tnt of the 

Tn~stccs pro\'iding lor the care and maintenance uf \uch Partictpant, retired 

Panicip.1nt or payee. Any such pa)mcnt shall he considered a pa)1n~nt for the 

account ul the Participant. retired 1':u1icipant or payee and shall bo.: n complete 

dischm !!'-'of any liability of the Plan or the Trustees therclorc 

1 1.13 Ocatl1 Dcncfits Payable to Minor;. 

(A) Any Dcuth Rene lit payable to mint>r children mar be paid, at the dt;crction t)f the 

Bvmd uf u~ e.:~, to the legally nppointcd g.uardtrut of the minor. or if titer<> I)<;' no 

such guardian, to such nd ults as the Cotu·t having lcgnl jurisdiction dirccL,. 

11.14 lnfonnauon Required. 

(i\ l A< a cttndttion pre.:ctl<"lll to the payment of any benefit under the Plan. the Trustees 

shall have the right to require. on torms prescribed by the Trustees, :111 infonnation 

whidl they reasonably deem ncccs>nry. includi ng. bul not imi t~d tu. records of 

cmpl0)11lC!ll. proof ot' dutc' o r hirtb und death, ami <!Vidence of e'istencc n:td no 

benefit tkperu.lent in ;my way upon UllomMtion shall be payable unless nnd unul 

such inli.lnntllion so required be f\tmishcd. Such C\'idencc shall be furnished by the 

Union, Employers, Partictpants, rctirC\1 Participant and Ocne ic ,lri<:>~ as upplicablc. 

11. 15 1\'o Revt:rsion tu f.111ployer... 

(A) The Lmploycrs shall have no right, title (Jr mt~'f~-.t in the conlnbulttlll~ made b~ 

them to the Pension Fund and no pJt t of the Pension Fund shall rc,·ct1 to lhc 

J':mpiO)C". 

47 

36.54 
11 .1 6 Duphcauon of Bend it~ . 

(A) A Panicipalll may r~eiv~ a pension bcncfitllS a Spouse of a deceased Panic1p~nt. 

11.17 Fn:cLmg Bcndits ut the Time the Individual Tt!rminates Empln}mcnt. 

(A) The pension benetir to which o l'anicipant is entitled shall be detcrlllint-d by the 

terms in cfTcct in the Plan al the time the Participant become.' 11 Tcntlin;•tetl Vested 

ParticipanL 

l l.ll) Gender. 

(A) The masculine gend<.'l" a.' stuwd herein sha.l' include th<! femuline gender. whcrc,•cr 

ilpphcabl<:. 

l I. ,9 Commencement of Benefits and Mcthud ufPa}ment 

(A) The commencement d,tte for pens10n pa)1ncnts shall be in accordance wuh the 

appropriate Plan provisions. i\ Pa11icipanr's benefits shall be distrihutcd tl> him 

not later than April I" of the calendar year following the later or: 

( I) the calendar year in which the l'anicipant attain$ age 70 %: or 

(2} the ealcnJar y~ar in which the Participant ceases to be ~:mployed in 

.:ovcr~J cmpiO}mcnt where contributi<)IIS ar~ being paid to the Plan on 

his'h~r h~hall: 

(a) In the c:u;c of an Employee to whom paragroph (l) npplie- whu 

retires in a calendar year after the calendar )car in which the 

Emplo)CC attain, ag.: 70 \-;. tht Empl<>ycc·, accntcd hcnelit shall be 

actuanally mc'~'ctltu tuke into account the p~lit~d after age 70 ~'in 

"hich tho Fmrl<>yee wus not receiving any benefits under the plan. 

(B) In the ca<;c of a Participant who is Ill' W<)S n 5% owner at any time during his,lu;r 

parti cipation in th0 Phtn, sud1 P:trticipanl shall commence htslher b~11 <:li . not later 

than Aplil I'" of the calendar year following the calendar )'l.:ar in which the 

l':m icipant attains IIJ!.C 70 Y.,. regardless of whether he or she is retired. 

(C) Unkss the mmlc of distribution i~ a single sum paymcnl, di>tributiu•s- will b.: made 

each yc-~r inl>~e oft he li>llow mg \\ays: 

( 1) over the lite of the l'nrticipmll. 

(2) over the lit<: th~ Parti.:IJ'ant .md u d..,;ignatC<I Reneficiary, 

36.55 
(3) over a pen.>O ccn.Jm rn>t <:'tending beyond the hfc e:<p...'l:tanc) nf the 

Parti,ip.mt. nr 

(4) over a period certain n,lt cxtt.:ndmg h~ynntl the joint life and last survavN 

cxpl..:tancy oi'thc PJrti~ipant and a designated Beneficiary. 

(Dl If a di.stribution is considered to hfl\'i: commenced in acl~>rdallce with the lllt.:mnl 

Revenue Service cgu ~ (IRS Re!,'tllalitms) bdor.: the Panicipont's death. the 

remaining intt'l'~~l will be diwibuted at least as rapidly ns under the method of 

distJ:ibution being used as of rhc date of the Participant's death. 

(El If the Panicipanl di~ b.:fore th~ nrne when disttibutivaa i> wn~tdcrcd to h.1ve 

commenced in accordance with the IRS Regulations. it shall smi~f) the lullo\\ ing 

n:quiremcms: (I) any remaining portion of the Panicipant\ intt:r<N that is not 

payable to a Bcnetlciary dcsignatoo hy the Part1cipant will be distnbuted within t1ve 

years a !lee the Parti<.:ipanl\ death; und (2) any portion of the Participant's intcrestthut 

is payable to~ Ren~lki,uy dc;ig.n~tcd by the Participant will be disuibukd either (n) 

wi~1iu five years a:'lcr the Pnnicipam's death, or (bl O\~T the lilc of' the Reneficiary 

or over ll period certain nOl extending beyond the lite exp<'dan<.:y uf'thc 13cnelieiary, 

commencing not later Ulan th ~ end uf the calendar year foll\>wing the calendar year 

in which the f'arttcipJnt died (or. if the designated l3eneficiary is the P1t11icipant's 

survivitlg ::.pousc, c"mmencing not later than the end of the C<~lcndor y~:rr lilllowing 

the calendar year in which the Participant would ha-·0 attained age 70 'It). 

(F) The requirements ol' Scctilln 401 (~t)(9) \>f the Internal Revenue Code of I 91'(6 are 

incorporated by reference. Any distribution requrroo under the incidental death 

bcnefi1 requirements of Code Scctton -IOI(a)(9J 'hall be hcat~"l a~ a distributron 

required under Code S~-cltun -IOI(u)(9)(G). Distribution~ will be mad~ in 

accordance w1th CuJc Section -101 (a)(9) and Code of Federal Rcgulat,uns §§ 

IAOI(a)(9)·2 tl-ruugh I A01(a)(9)·9 as well as an; olhcr rules or rcgulauom 

promulgated by 1he Commissioner. 1l1is paragraph, whid1 rclkcl' C"ode Secrion 

401 (a)(9), overrides <Ill}' cli ~tributicln optinn' in the Pl;m inwn'i~h:nt witlt Code 

Section -10 I (a){9). 

11.20 R.: roa~; ti ve Annuity Starting Oates 

(A) T,l the extent pllymcnt ui' a pension bendit is commenc~d al\cr the nom1al 

annuity slaning date (t.e. the I'' day of the momh following receipt of' the 

Participant's omplet~: retirement lpplication) the Plan shall pay the rctroac1ivc 

monthly pa)tncnls 3lons 1\ith interest in an amount eqUivalent 10 the .A.cmarial 

Et.lu:vnlcnl intcrcstr.llc set iimh in St-~ltun 1.}. Suc:h pJ)'mcnls shall be made in 

lump-st.m limn. 

49 

36.56 
II 21 Rel,lth·e \'ah:e of Benefits. 

(:\) E'~f) op~.h>1MI fim11 of bc.:nclit has an approximate equal value tv the regular or 

nunnul fimn of payment. 

I 1.22 Consequences of Dct<:rral 

(1\) Effective Y!ay I. 2007. not ces/ orm~ h~t rdute 1o distributions will include a 

description of a l'arti.:ip.mt's nght (if any) to defer receipt of (I distnhutio11 ond 

will describe the conwllllt:nces of failing to deter cc~1pt of the distribution 

ur~ua t to the Regulations and oth~r guidanc:c pm\'id d hy the T rea sui) and! or 

Labor. 

11.:!\ Tru<tce Disc~etionary Authority 

(A) The dcci;ions of the Board of Trustees in all math.-rs pertaining to th.:-

administration of the Plan shall be final. Tite Bounl ,,r Trustees, as the 

administrator of the Plan, shall have complo:t" control of the administration of .h.~ 

Plan. subject to the pnwision' hereof. with all powers necessary to enublt: it to 

properly cnrry out it ~ dutic' in that respect. Not in limitation, but in amplification 

of the foregoing. th ~ Board shall have noll authority ond cli s~·r~: i11 n to constnrc. 

interpret and apply all \)I'O\'lsions or the Plan and to detem1ine ull questions thi1t 

may rise hereunder, inclm1ing nil questio n~ rdating to the cligihilit) of 

1'a11icipants to p~rticipalc in the Plan, the amount of auy l>en.:!it to whkh any 

Panicipant, Bcnellciar), S(l\>U>t:, or contingent atulllitant nt:\)' become entitled 

hereund.rr and tu ddcnuinc all uppcals subscqucnl to any dtllermination upon 

application for bcncfib. Spccific~lly·. the Board shall have full nnd complete 

autiiQrity and discretion to make :my determinations or finding:; of fnct regarding 

any claims and ap;x:als 01 any hendit deLenuinalions. Its dcci~ion upon all 

marrers within the >cope ul1t~ autlhu ity shall be final 

11 .24 II Ef\RT Act Provisions 

(A) Dineremial Wage Payment 

II) Effecthe May I, 2009, (i) an individual receiving t1 ,lifll:rcntial wage 

pa)ment shall b~ trcat<.:d ns nn employee nf the employer making the 

payment: (ii) the differential wage pa)ment shall be treated os cumpcnsatinn: 

nnd (iii) the plan shall not be treated as failing to meet the requirement> of 

any provisiOn dt::<enbc:d in Code Section 414(u)(I}(C) by rcu$\lO of an} 

wntrihutivn or bcnelit which is based on the di Ocrential "age pa) mcnt. 

(2) This provision 'hall be npph<:<!hlc: only if uU cmplo)~'-'S of :1n employer are 

cnutlcd to r~"<.:cl'<' tloll<.:r~ntial wage payments on reasonably .:quivalcm 

tt:nns ami. i r eligible to participate in a rctircm~nt plan maintained by the 

51) 

36.57 
employer. and arc so p<.:nnitt~-d by the plan. tv make contribution> b.1s..-d on 

the paymcnb on rcn:«>nahly l"quivalenltenns. 

0) DiiTerenlial Wage l'a~mem shall mean any payment "hich (i) is made by an 

employer to an indi' ic.lual wirh respect to any peril>d t.lunng which the 

individual ~ pcl'l(lrming service 111 the unifbnned services. ns dcfinetl in 

chapter 43 of title .l8, Unitw States Code. while on active duty ti1r u pctilld 

of more thun 30 dnys, nnd (ii) represents all or a portion ol' lh ~ wnges the 

iudi,idual would ha,·c received fmm the en1ploycr it' tlte indh·idual were 

pcrfonning scr.icc li>r the employer. 

(R) Spec.:tal Rule for Distributions 

(I ) Effccti'e :\Ia ~ 1, 2009, ft>r purposes of Code Sections 40l(J..)(2)(Bl(i)(l). 

40.l(b)(7)(A)(ii). 403(b)(ll)(A). or 457(d)( I)(A)(1i). an imlwidual shall be 

treated as ha' in~ been scwretl from ~'ln lo)mcnt during any period the 

indi,·idual i,; pcrfom>ing s•"' il·c in the uniformed sel'\ices csc ·ib~xl n C'ndt' 

SCCiit>n 3401 (h}(2)(A). 

(C) Death Senelits 

( I) With rcsp-:cL ttl dcMths and disabilities occun·ing on or otlcr Jnnunry I. 2007, 

in the cnsc nl' u participant who dies while performing qunli li~d mililllr)' 

s~..-v c~. as dctined in <:ode Section 4l<l(u), the survivors of tht participant 

are ~ntitled to any additionol benefits. other than benelit uc<.:ruals relating to 

the period of qu.11ilicd military service, pro,ided under the plan had the 

participant r<:<-umcd and th~n termmuted employment on nC«~•mt of de:nh. 

51 

36.58 
.-\RTICLF. Xll: LII\UTAT10:'11 OF BE~EF TS 

12.1 Compensation 

(/\) f'or purposes of the ma.,imum benetit limitations of Code Section 415. 

''Compensation" includes: 

(1) An Employee's wages, salaries, fees for prole;;;ional :;ervices, and other 

amounts received (without regard to whether or not an amount is paid in 

cash) for er~onal services actually rendered in the course of employment 

witll nn Employer, to tiH: extent that the amounts arc includible in gross 

income (or to the extent amoun ts would haw been n:~eiwJ and includible 

in gross income but tbr un .:lection under Code sections 125(a), 132(1)(4), 

402(e)(3), 402(h)(l)(U), 402(k), or 457(b)). l11csc amounts incltu.k. hut 

are not limited to, commissions paid to salespersons, C<lmpcnsution for 

services on the hasis of a percentage t>f prufit~. cvmm ~sions on insurance 

premiums, tip$, bunuses, fringe benefits, a:1d reimbursements or nth~r 

xp<o:n~e allowances under a non·accoumablc plan as dcsc:rihcd in 

Regulation section 1.62-2(c). 

(21 fn the a.~c nl' " " Employee who is an Employee within the meaning of 

Code ~ed n 40l(c)(l) and re!,'Ulations promulgated under Code section 

401(.:)(1), the Employee's earned income (as described in Code ~ecti n 

40l(c)(2) and regulations promulgated under Code section 401 (c)(2)). phts 

amounts deferred at the clediC1n ot' the employee that Wl>ttltl be iocludible 

in gross income but f(>r the rules of Code sections 402(e)(3), 402(h)(l \(B). 

402(k). or 457(b). 

(UJ "Compensation•· docs not include: 

(I I Contributions (other than elective ontrib ti us described in Code sections 

402(c)(3), 408(k)(6), 408(pJ(2)(A)(i), or 457(b)l made by the Empltlyer lt> 

:1 plnnof deferred compcl\sation (including a simplified crnployct:: pt!nsit>n 

described in Code section 408(k) or a simple retirement account described 

in Code section 40R(p). and wh<::thc:ror not gu;~ li<'(l) lQ the extent that the 

Cllnlrihutkw; arc m>t indudible in the gross income of the ploye~ ll >r 

I he taxable ~·car in which contributed. In addition. any distributions from " 

plan of deferred compensation {whether M not qualilied) are not 

considered a~ compensntion 1\•r Code ~ect .o n 4 15 purposes, regardless of 

" hcther suo:h amounts are includible in the gross income of the Emplnyce 

when distributed. 

(1) Amount~ rcalizt:d from the exercise of a non-statutory option (which i• un 

option t>ther than a statutor; option as defined in Rcgulati,ln scdiun 1.421 -

l(b)). or when restricted stt)Ck or othct· propcrt> held hy an Employee 

Ctthcr become' lrc:dy tr;msfer.tble vr is no longer subject to a substantial 

52 

36.59 
risk of i\1rlctlure (":.:Code: '<'\:lion &3 and regulations promulgated under 

Code se..:tion 83) 

(3) Amounts realized from the s~lc, ..:< change. or Nher dispt,sition of stock 

acquired under ~ 'lutut.nry ''"~·k option (as dctincd ut Rc:gulmion section 

1.4~1-l(b)). 

(4) Other amounts h~l t rCCt'ivc special tax bendils. such us premiums lhr 

group-term life insurance (but. only to the C;{tcnl th<tt lhc prcmiu111s ur1.1 not 

i•·•clt•d ihle in the gross incumc o f the Employee and an: tWI salary 

reduction amounts that arc descri bed in Code t:~tion I '25 ). 

(51 Other items of rt:muneration that nre similar to anr of the it'-'"" listed in 

paragraphs (0)( I) through (8)(-l) of this section. 

12.2 Maximum lk'ncfit l unitalion. 

(A) The limits imposed by <.'ode Section 415 arc incorporat<'ll h> rcl\<rt:nce. '11tcrc 

may be no accnwls f'l' hcncfit dtslribuitons in c:<c<:" of the Code Section 4 15 

limitations. No ~nnual hcneliL exceeding Lhe Code Section 415(b) lilllit~tion will 

be accrued or payablt: in 1111)' vptionul form of benctit payable und1:r the Plan. 

including the mmm1l lorm ol'bcncfit. Employer discretion is also prer.:luded. 

(Ul 1\nnunl adjustments to the Code Section 415 limitatiuns made put')U<Int to Code 

Section 415(d) nrc n~orponncd hy r~:!t:rence. 

((') The comhinali~•n ;md or aJ!gregmion of plans as provided in Cudc Sc:ction 

415(1)(1) and 415(gl shall nor apply to rhis Plan in determining the limirations 

under Code Section 415(bl inasmuch a~ this Plan IS a mulli-cmploycr plan as 

defined i:t Code s ... -.:tum 111(!) 

5:1 

36.60 
1\ RTICLE XIII: 131::J\EF"IT PROCF.OURF:S 

1.1.1 Apph~utu.m lt>r Rclircmcnt l3cndits. 'c~tcd Bent!lils and D"ulh U<:nct it ~ 

(A) All apph~ali )ns li>r l>endit~ Uttdcr this Platt whether ''" account of rl!tircmcnt. 

'c-.ting <>r 1lcuth. and nil elections and designatkms made b} Participants and 

R.:ndiciaries under this Plan shall he ma,h: in writing to the Oo:u'd ofTru.~t~ in the 

limn and manner prcst.'rib..'tl by the Trustees. 

(B) The u't~es shall ha,·c the right t<> rCt.(uirc submission of nil necessary infom1aliun 

bdore any bcndil is paid, includillg rccnrds of employment. proofs t)f dutc ,,f birth, 

mitl'ri tiSC n11cl death. ~< > benetit dependent in any way lll'>llll Mtd t in ~>rrnation shall 

bt: puyahle unless and until the required inl(l>matinn has been furnished. Upon 

receipt of such infonmllion. tlt.: Tru>kes ~hall determine the eligibility uf the 

applic(lnl for such h1.'nt:lit, and ~h<tllnoti t)' the !tpplieatll of their ddt!m1ination and 

the nrnoum of any benefit payable. 

(C) Timd) Submi>sion of Applications f~1 r Bendits. 

{I) Participants, Beneliciaric;, nnd survi ving, Spou~cs shall ht: able to apply for 

hcnclits under the l'lau nt nny time after the <.lat.: t>f 2 years preceding ~ 

date >uch applicant would l)rst become eligible lor the benefit. or w; 

nthctwise specifically set forth in this l'lan. 

13.2 Election of Benefits. 

{A) All nt:ct:.~'ary questions concenung the apphcant's de(tk•n of any panicular bt.'"lldit 

under the Plan shall be cxplamctl ant.l a written ~!Xplanation ~h~ll be provided to the 

applicam of the tcm\S aml cnnditi(lns of the election. 

(B) r fl\:.•tivL· May I, 2007. tlot more than lllO day~ or ks~ lh;m JO days prior to the 

Participant's benefit cotruncnccmcnt date under a Quulilicd Joint and Sunivt>r 

Benefit, the l'lan ·s Admmtstr:ltiw \lanuger shall deliver to such person (either by 

fir~t-da.s> m~il or JX"l'SS>nally) a wrinen cxplananon of the tern". L"nditions and 

cffL"CB oflhc Qualified ll>int and !>urvi\'Or Bcndit. Howe, cr. the Rl>ard ofTru~t.:...,. 

n=l notonl) comp y with more th~n one request mad~ by a p.1rticular J)CrS<)n. 

(C) Notic-e Exemption. 

( I) Th.: Plun shall not be rcquirtJrl lo pnl\ ide notice of the right to waive the 

Qunliftcd Joim and Sun·tvur Fknelil. or the Quuli!icd Pre-Retirement 

Survivor Bcnelil if th~ Plan full) subsidizes the co~t .~r the benelit. l'hc 

Plan sh:tll be c<>nMdctcd ''' fully subsidize the cost of the benefit onl y tf 

the litilurc to waiv(' the benefit b} a Plan l'artktpant or Ucneficiary do~~ 

not result in either (a) a dccr<a~c tn <lilY l'lan benefit, with n.....,'p~ct ~· the 

Participant, or (h) m.:te:"C\I 'l~n contributions 11)' the Participant. 

54 

36.6t 
1.\.3 Notili•ntion of .\ppro,·al or Non-approval ,,f 1\pplicmion. 

(A) The Board 'Trustee~ shallmnkc all dcrenninations rcguoduog th t< v<•lidity of the 

claim. l1111'n any partial or total uuvcrsc bcndit dtlknnimuion. the Fund ,hall 

dclh·cr or mail a t\oricc 1lf Ucnial tu the Claimant within YO days of th.: tiling of 

the claim, except in the case of u disability retirement b~'ttctit cl,tim In the case of 

a cl~un lhr di,ahilny retirement benefits. the Administratiw Manager shall notil:' 

the Claimant of the Plan·, advc"'c hcnelit detennination within a reasonable 

period of time. but not lat.:r than 45 days after receipt of the claim by the l'lan 

lu ~ 45 dny period may be extended by the Plan for up to 30 d3ys, provided thnt 

the Admini~trative Manager both determines that such un extension is ncc,~ssur) 

due to rnallcrs beyond the control ul' the Plan and notities tl1c ClAimant, prior to 

the cxpin•tion of the initial 45·day period, of the circnm~tanees requiring the 

cxtc ~iun ol'ume and the date by which the Plan expecL~ tu render a dcdsion. I[ 

pnor tO the end of the first 30-day extension period, the Administrmi,·c Manager 

dctcmtincs that. due to matlen. be)ond th< control of the l'lnn. a decision cannot 

be rendered \\ ilhin that e"m~l\>n period. the period for making the detenninntion 

may be extended tor up to nn ndditional 30 days. pnwided that the: Administrative 

Milnager nohfics the Claimant. prior to the expiration of the first 30-day extension 

period. of the circumstances rcquinng tht: exkn~ on and the date as of which the 

Plnn expects to render a dt:dsi(>n. In the case of any extension under this 

paragraph, the notice ur ~tcns <'n shall specifically explain th" stundnrds on 

which entitlement Ill a henefit is based, the unrcsulvcd iS\LlC' that prevent a 

tkci.>ion vn the claim. and the additional in!imnutivn needed to resolve tho ~ 

i"ues. and the Claimant shall b~ utl(mled at least 45 days within which to pro"id~ 

the spccilicd n~'ormation. 

(B) ·n,., l'"riud uf' time within which a benefit dctcnuination is required robe made 

will begin ;11 the time the claim is tiled in acc(>nlance with the reasonable 

pr(JCedures of the Plan, 11 ith(lllt regard w wh~ther all int'onnmio1\ ncec<-~ary to 

make a benefit dctcrminntion mxompanies the tiling. If ndd i1 io l infonnation is 

necessary to make a benetit detcnninnrion, the t>cnod ,,1· 11me li)r muking the 

hcnclit determination shall be tolled trom the date the nutiticution lor additional 

inlimnation is requested until the Claimant respond~ t(> the request for additional 

in1'onnat ion. 

(C) Thl! roti..:<: ;,hall bc wrillcli in a manner calculated tu he undcr.>tood by the 

ClahnJnt, and shall contain: 

{ I) the specilic reason ~> r rcusnns f(lr the adverse dctcrminlltion; 

(2) spccitic reference to pcrtmcnt p!nn pr.JVi,iun., on which the dctcnninull\>n 

was based: 

55 

36.62 
()) a de~cripti()n of any additional material or infomm ion ncccs:<(try l(>r the 

Claimant to perfect bis'hcr clttim and an explanation nf " hy ~uch material 

or information is necessary: 

(4) a description of the plan's review procedures and the time limits 

applicable to sud1 procedures, including a statement of the Claim.ttl!'s 

right to bring a civil action under Section 502(a) of ERISA f(JIIowing an 

adverse benefit detem1inationvn revitw; 

(5) in the cnsc of an adYcrsc benefi t dctcnnination hy the Pl un ~gard ing 

disability retirement henefits, 

(a) ff an internal n rlc, guideline, protocol, or other similar criterion 

was relied upon in making thu adverse dctennination, either the 

specillc rule, guiddinc, proto<:ol. or >ther similar criterion; or a 

statement thnt such n 111 le, guideline, protocol, or other similar 

criterion was relied upon in making the adverse dctcrmination and 

that a copy of such rule, gui<.ldine. prutocol, or other critenon will 

be pmviueu free of <:harge to the Claimant upo n request; or 

(b) If the adverse bcnetit determination is based on a medical necessity 

or experimental treatment or· similor exclusion or limil, either an 

cxplanati<)ll <)f the ~cienti fic or clinical judgment for the 

determination, applying the tem1s of the Plan to the Claimant's 

medical circumstances, or a statement tllilt su<:h explanation will be 

provided free to the Cl:timant upon request. 

(D) Except in the cnsc of a disahility retirement henelit claim, tht: Claimunt or his/her 

authorized representative may appeal the de<:i ~i ~>n of tit<" Fu11d by written notice 

received by the Board of Trustees within 60 d~ys of the mailing of the noti ce vf 

an adverse bc:ndil do.:lcrmination. In the case of a disability retirement henetit 

claim the Claimant may appeal the decision within 180 days ol" the mniling of the 

notice of an adverse benefit de ennin ti <Jn. Tht: wt·ittcn n<>li c"' only needs 10 state 

the Claimant's Mme, mld t.:~s. and the fiKt that the Claimant is appealing from the 

<.:bJon or the Board of Tmstees, giving the date of the decision appcakc.l fr(>m. 

The appeal shall be addressed as iollows: 

Brie:kla)crs & Allit:d Craftsmen Local No.7 Pension Fund 

c;o 8 eneSys. Inc. 

33 Fitch Ulvd. 

Austintown, Ohio <14 515 

56 

36.63 
(El The Plan shall 

( I\ pruvid" Claimants the opportunity to ~ubmit wriHco comments, 

documents. records. and other informution relating to the claim lbr 

benefits; 

(2) pmvide that a Claimant shall be provide([, upon reque~t and free of charge, 

reasonable access to, and copies of. all doctl!ncnts, records and other 

infonnation relevant to his:her claim tor bcnctits; and 

(3) provide tor a review that takes into uccoum all comments, docum~: ts, 

records. and other information submitted by the Claimant relating to the 

claim. without regard tn whether such il lf<>~inntil>n w;1s submitted or 

considered in the initiul ben<: lit det<mn ination. 

(l') In the case of a disability retirement bene tit claim. the Plan slwll: 

(I) provide f\>r u ro:vicw thu t d~ e~ not aft(>rd deference to the initial advcf);e 

benefit detennination and that is conducted by an appropriate named 

fiduciaty of the Plan who is neither the individual who made the adverse 

benefit determination that is the subject of the appeal, nor the subordinate 

ol' such inthvidual; 

(2) provide that, in deciding any appeal of an adverse benefit dctennination 

that is based in whole or in pa11 on a medical judgment, including 

dctcnninarions with regard to whether a particular treatment, drug, or 

<)thcr item i~ experimental. investigational, or not mt.>dicully necessary or 

appropriate, the appwpriate named fiduciary slwll consult with a health 

care professional who has appropriate training experience in the Jldd of' 

medicine involved in the mcciical judgment; 

(3} pro,·ide for the idenli iication or mcdi<:al Dr vocational expet1s whose 

advice was obtained on behul f of the Plnn in cmmection with a Claimllnt's 

adverse benefit detenni nmion. without regard to whether the oclvice wa.s 

relied upoo in making the bcnciit determination; and 

(4) pro\'ide !hal il ~ he;~ lth care professional engaged for purposes of a 

consultation under paragraph (Fl(2) of this Section sha ll be an individual 

who is neither an individual who was consuhcd in connection with the 

adverse benefit dctcnni11.1tinn thn t is !he subject ni' the appeal, nor the 

bon!inHtl:' ni' any ~11ch individual. 

(G) Prior to a dctcnnination on the appeal, the Claimant or hisil1cr authorized 

rcprest:ntativc may have an opportunity to review necessary a11ll pe11inent 

do<:uments upon which the deni atl in whole or in pan b based and may submit 

written issues and comments pertinent to the nppcal. 

57 

36.64 
(II) Ex.;ept in the case of a disabtlity retirement benefit claim. the Uoard ofT niSI~~' 

shall consider the Claimant·> appeal of an adverse benefit dctcnnination nu later 

than it' n:gular tjUarh:rly meeting wh1ch tmmahatcly folio", the rccc1pt <>f the 

notice of appeal. unlc~s ~uch noucc was liled within 30 day~ pre~cd ngthe date of 

such meeting. If the notice of nppcal was recetved within JO da)'S prior to the 

next regular quarterly meeting. the Board ofTntstccs may consider the appeal at 

the second rcgub t· quarterly mc.:tt ng litllowing the receipt or the '"'ttw t•f' appeal. 

In the ca~e of a dis;1bility n:tirument benefit claim the Bo:ml of Trustees shall 

consider such an appcnl within 45 days following receipt of the appeal. 

(I) If ~p.:cia l circu ~tance~ ~i st tcgarding a benelit dai111. th<' Atliinl of Tn1stccs 

may take an extension of time. to the next regularly scheduled meeting. to review 

the claim. provided that the Claimant or hiS!l1cr representative arc gi,etl a noUi,-e 

<i<!'t:ribing the ~pt:<:ial cirt:um,tancc' prinr It> the expiration of 1hc original re' 1ew 

period. 

(J) J\ ficr consideration of the appeal a_~ above, the Board of Tmstcc;. sh~ll advise the 

Claimant or hiv'hc:r rcprcscn\ atil'e of its dec-h:on, in ~>ri ing, within 5 tlays 

ti.>llowing the meeting ut which the appeal was considen:d. The ~:c on of the 

l3oard on rustccs sh111l set fonh specific reasons for their conclusions ond shall be 

written in a manner calculmcd l(t be understood by the Clnimnnt nnd shall mukt: 

rclc rcnccs to the pcrtincm Plan provision(s) upon which the dccisiM is based. 

The decision shall he lln:tl ond binding upon ~ \laimant unks> further :tppealed 

as provided in s~tivn (Kl bt:low. Kt>tificatitm of Ull utli'CI'Se benefit 

determination, upon appenl, shall contain: 

(I) the sp~dti.: reason or reasons f<)r the adverse lx:ncfit dctcnninntmn; 

(2) reference to ~p;:dlic Plun pru,·i~i<>ns on which th.: dctcnn•n:tlion is based; 

(}) a statement th3t the Claimant is entitled to rccci\·c. upon I'CilUC~t :md free 

of dtarg.:. reasonable accc>.> '"· and copies of, all documents, n:cnrds and 

vlht'r infimnati;m rch:vunl tn his/her d uim H.1r bet><.: Iii'; 

(4) a description of the Plan's procedures regarding a hearing before the 

Board nf Trustee> and the lime limits applicable to such cd ur ~. 

including a stalt!ll\ctll nf' thll Claimant's right to bring chil at:lion under 

ERISA St!.;tiun ~02(ul following an adv.:rse benetil detem1ination from 

the Ooard of 1' ntstccs: :tnd 

{~) the foil(ming 'tatcmcnt "Ynu and )our plan ma} ha'e oth~r 'oluntary 

alterr.ativo: di~put;: re.olutton option~. such as medmt\on. Om: way to find 

<>ut what may be available is to conta't vour local U.S Dcpanmt~>t uf 

lahc>r Office and }<)Ur ~ntc insurance regulatory agency. 

58 

36.65 
(K) A lull hearing hditr.: th.: Aoard ofl!'U.'>tces shall be held when: 

(I) ·1 he Board of 'I ntsh:cs dctcnllincs, prior tu makmg .1 d.:~.:~,ion on appeal, 

that a hcnrin(:, ~ rcccssary. In sl!ch .:v.:nt, the Ooard of Tmstcc;, shall 

notify the (lmmunt l'r hisihca representative of the date. tilllc, und place 

set for a full hearing t'll the Claimant's appeal by regular mail addressed to 

tlw Claimnnt as shown on the notice Ill' appt!al. 

(2) The Claima11t ur hislll\.'r representati\'e requests ~ lltll hlluri ug nefh re the 

13oard of Tnastccs by wriucn notice within 15 da)' afh:r r~ceipt of the 

Board of Tntstccs· uccisiun on upp<:al. The written notice needs to stale 

only the C'l.timant's name. address, and the fuel that you arc rcque;aing u 

lull he.•ring bdure the l.loard ofl·rustccs, gi\ing the date of the dectsion of 

the Board of Trustees. 

(:>) In nu ca."''""" th~ date ft•r the hearing set forth in (K){ I) or (K)(2). bo: set 

fc>r a time later than the third rCQlJinr meeting of the BMrd uf' Trustees 

following the receipt of the original notice of appeal. II' a hc.tring is held 

under section (KI( I), the Claimant is shall not be entitled to a hearing 

under (K )(2). 

The Hearing: 

(4) A full wrillcn n.·pmt shall he kept c.>lthe l' 'l'~cc'(ling:; c.•fthe hearing. 

(a) In cc.•mluctmg th~ hc:1ring. the Board ofTmstecs ~IMII n11t he bound 

by the usu~l common law or statutory rules of<:\ idcn.:c 

(b) The Claimant or hts.lu:r .tllnme~ shall ha\t· the right to rcvie" the 

"rin.:n rt:c<Jrd of the hearing, make a copy of tt and file ohjcctinns 

ltl it. 

(c) There shall be copic:> made or all documents and records 

intrm.l uucu ut tlw hearing. attached to the record t>f thc hearing, and 

mutlc a pun t>f it. 

(d) All iufonnution upon which the Board ol 'l'ruskc~ based ils 

ongina1 tlucision ~hall he disclosed to thu Claimnnl or lus!her 

repn:sentativ.: at the hearing. 

(c) In tltc cvcnl that additional eviden~~ t' intrutlu.:t:tl b) the 13oard or 

Tmstccs which wa' nnt made 3\llihtblc lo tlw Claimant prior tu the 

hc:anng. tht: <:l~mt.tnt >hall be granted a continuance uf a' much 

tunc as the Claimant dcsir.;:s, not to exceed 30 day>. 

59 

36.66 
(f) lltc Claimant >hall h~ aOurc.lc:d the oppootunity ,,r prescating any 

'" tc.leno.:t: on his hc:r bch.olf: If )OU offer new evidence, the he.mng 

m.1y be ,,djl>umcd for a period of not more than 30 days 'u the 

Board Clf Trustees may. if the~ w1sh. 11\\ c;,ttga~c the m:wracy of 

the Claimant's new cvoc.lc:n..:<: oo do:to:nninc whether additional 

"'' iucnl:C uuld he intrvduct.'<l. 

(1.) After c0nsidcration of the appeal a11cr 11 hearing, oh<· Roar<l of Trustees shall 

advise the Claimant <II hj,·Jwr rcprc,t:ntative of its decision in writing within 5 

days tbllowing the hc1oring ;.ot which the appeal was considered. rite decision of 

the Uoard of Trustees shall set forth sp.:cific reasons f"r their condusion, shall be 

written in a manner calculated ln he understood hy tht: ('laimam and shall make 

rdi!rcnc~ ln tho: pcnin\!111 Plan provisions upon which the decision is hn~cd. This 

decision shall be final and binding upon the Claimant. 

(\1) l:ffccti"c June 6, 2014. no legal action regmding an applkant\ b~nctit may be 

<:ommt:n~;ec.l or lill!tl agair't the Roard of Tru:nccs or the l'l~n more rhan I year 

after the mailing of the Uoard of Trustees' decision on appeal ns sp"ci lied in 

13.3(J) or (L). whidtc\ cr i~ Inter. 

<iO 

36.67 
ARTICLE XIV: FUNDIJ\:G OF 13ENF.FITS 

14.1 Source of Contribution~. 

(A) Contributions to the l'~nsiun FtJnd shall be made only by Employers on ht!half uf 

l>art'icipants. Neither contributions by a Participam nor conttihtJtions by an 

Employer on his her own behal r shall he pennitled under this Phm. 

14.2 No Reversion to Ernployers. 

(A) Participating Employers shall huvc nu right, title or nter~st in contributions made by 

thctn to the Pensic>n Fund. nnd no pm1 of the Pension Fund shall revert to the 

Employers. 

14.3 Investment uml Funding Pol icy. 

(A) An investment policy shall be established that has n~ it~ goal the maintenance of 

~ufticicnt liquidity to assure the timely payments of benefits and tht! selection of 

invc,trnenl.s, which will produce a long-te1m rate of remro assumed by the Actuary 

in mak ing his1her detemtination of funding requirements. The Board of ru.~tees 

may appoint an Lnvcstmcnt Managc11s) to provide investment counsel. 

14.4 :\cluorinl :\lu~t iott~ nnd Plan Review. 

(A) The ntl , regulations. and the benefits provided under the Plan have been atl(>pted 

by the 13oard of Trustees on the basis of actmrial estimates which lwve been 

established to the extent sufticicnt to support the Plan on " penn:ment basis. 

However, it is recognized that in the futurt'·, the in~omt.< antl'or liabilities of the 

Pension Fund may he suh;tuntiillly different tb:m those previously anticipated. 11\c 

Bounl of Trustco:s shall have prepared AI least arumally an actu~tt ! valuati<>n of the 

Pension Fund. Upon the basis of all facts and circumstances, the Board of Trustees 

may from time to time amend these rul<l.'., n'!gulations :~ d efi s provided for 

thereby, including any incn:>as<: or cc ~a.s~ in benefit anlOunts. 1\o such dccrcnsc 

may operate to retl u<:e :my veoted bendits. 

14.5 PPA Required Valuations 

(;\) F.ITe~ti e :-.fay I, 2008. pursuant to the Pension Protection Act of2006 ("PPA"J, 

this Plan will undergo a full actuarinl evaluation each Plan Year. If the Plan is in 

Endangered Status, ns defined by the PP i\, the Plan will fitllow the PPA 

procedures for adopting a Funding Tmpro\'ement Plan. a.~ detlncd by the PI' A. If 

the Plan is in Critical Status, as defined by til.: PI' A. the Pl.1n will follow the PPA 

procedures for adopting a Rdmbilitation Plan. as defined by the PPA. 

61 

36.68 
ARTICLE X\': TOT'-HF.." YY f'ROVlSlO~S 

15.1 Top Heavy Provi~ions 

(l\} This Section shall apply for purposes of detcnnining " hetl1er th~ Phm ~ a tophea,·y plan Lmder Section 416(g) of the Code lt>r Plan Years beginning atkr 

December 31, 1001, uu() whether the l'l~n satisfies the minimum benefits 

requirements of Section 416(c) of the Code tor such years. 

(I ) Key Employee. 

(a) Key Employee means any Employee or Fom•er F.mpl ye~ 

(including any <b.:ea~ed F.mployee) who at any time during the 

Plan Year that includes the determination date was aa ofticer of the 

Employer haYing anaual Compensation grcotcr than S 130,000.00 

(as adjusted under Section 416(i){l) oi' the Code lilr Plan Ye~trs 

h~g ng nf\er December 31, 2002), a 5% owner of the Employer, 

<>r a l% owner of the Employer having mmu~tl Compensation of 

more than $150,000.00. For rhis purpose, an1~ual Compensation 

means Compensation as defined in Section 12. 1. 1l1e 

dctcnnination oi' who is a Key Employee will be: made in 

accordance with Section 4 16( i)( I) oft he Cod~: l!nd the applicable 

regulations and other guidunee of gencml applicability issued 

thereunder. 

(2) Dctcnnination of present values amt amvunts. 

(a) Disll >ut io n~ during year ending on rhe determination el ate 

(i) The present ~alucs or the amuunts of nccount balances of 

an El'nploy<!e as nf the dc:tennination dat~: all be incrcasc:d 

by the distributions made with respect to the l:!mployec 

under the Plan and any Plan aggregated with the Plan under 

Section 4 16(g)(2) of the Code during the I year peliod 

ending on the dctcmlination date. 1lte preceding s~ntence 

shall also uppl) to distributions under a tem1innted plan 

which, had it not been tenninatcd, would have been 

nggrcgated with the Plan under Section 4 16(g)(2)(!\ )(i) of' 

the Code. In the case of a distributiM made li>r a reason 

other than severance frvm servi.;c. ~at 1, vr disability. this 

provision shall be applied by substiturin)Z "5 year pcri<)d" 

for·' I yea r period". 

62 

36.69 
(b) Fmplo~cc; not pcrlunnong ~ervic.:~s dunng yc;~r ending on the 

dctcnnmauun date. 

(i) l'bc accrued benefits and accounts ur ~ny inthvidual who 

has not pcrfonnc.:d 'ervice~ fi.>r the F.mployer during the I 

yuar period ending on the determination date shall not he 

taken into account. 

(3) Minimum Ucuclib. 

(a) Ft>r purposes of ~tisfying the minimum ben~ lit requtrcments o f 

Scetion 416(c)( I) of the Cod<! and the Plan, in detcnnimng years o f 

service "llh th~ F.mployer. any sen ice wHh the EmpiO)Cr shall be 

di,rcgarded 10 rhe exrcnl that such sen icc occurs during a Plan 

Year \~hen the Plan bcnctirs (" ithin !he m~:aning of Sc.:tion 41 O(b) 

of rhc \ode) no J..cy empluyee or fonner key employee. 

(i1 

31\. 7() 
,\R11CLI:: XVI: i\ lt:~DI\ F. ~I A"'OTF.RMTX\Tl0:-1 O F PLA.'I 

I() I PI an Amendments. 

\A) An~ nmcndmt:nt to thi' Plan may be made retroactively by the n1.1jority action <lf ll1e 

Aoard of Trustees present nnd voting in order to bring this !JI,uJ in cornpl ia n~c with 

ERISA and any subs.:qucnt mondment~. It is the desire of the ''I ntstc.:s Itt maintain 

this Plan as a nli i~tl l'htn unci l'n!St under Sections 401(d) untl 501(a) of the 

United States lntem;tl Revenue Code of 195-1, os amemlcd by ERISA anJ ttt the 

extent it is neces;ary to mnintnin said quali tic;uion the Tntstccs mny nmtlnd thi' l'lm1 

rctroact i vel y. 

(B) The Trust<Xl> "ho an: present and \Oting may amend this Plan b) majority action as 

C\ idcnccd by an instntrncnt in writing e..;ecutee by the l'rustcc. l)rovidcd. however: 

(I) 1\'o amendment shnll <lcpnvc nny Participant, retired Pantcipanr. fonner 

P;ll1it.:ip;mt ur any Dcncficiary or any wsted nghts to which he/she is ~ntitled 

under this Plan; 

(2) No amtlndment ~hall provide for the usc of the Trust Funtll\tr :my t>urpose 

utlu:r tltw1 li.Jr the benefit of the Participants and their beneficiaries: nne! 

(3) o amendment shall cause uny funds e<.>ntributed to this Plan or any us•;ets of 

the miSt fund to rcv~1 1 t<> ••r be m~de a\·ailablc to an Employ.,r. 

(-1) "'n nmendment shall be cOccti\C to the extent th<&t it has the ctTc<.:t uf 

decreasing the Participant'~ i\ccru<J<I Renefit. 

I (1.2 . cnni.nnuon or Discontinu.m .. -c nf the I' Jun. 

(A) The Plan and Trust can be tcnninntco.l or dist'Onlinm:d by the 'I rustccs upon the 

happening of an~ one or more (If the Hollowing events: 

(I) In the event th~ ru~t Fund sh:tll, in the opi11ion ol' the Trustees, be 

inadequate to c:tny out the intent nnn urpo~e ol'the Tntst Agrcclllcnt, or be 

inadequat.; to meet the payment~ due or to become due.: under the Trust 

Agreement 3Jtd under tho: Plan ot' 13encfits to an:icip~m~ nnd Bt:ndi<.:iarics 

already dra" utg b..:nclil$; ~~r 

(2) In the event there arc m) indtviduoh Ji,·ing '' ho t:ml qunlif} :IS Employ.:<.-,; 

hereunder: or 

(3) Wlwnthc.:rc.: i~ no longer in c.:f.".:ct a co!le..'tive barg:timng uttn.-cmcnt rcqumng 

EmployefS to contnbutc to th~ Fund. 

( 4 J In !he: cvL1!to I' 1 ~rmi n:ni<'ll by ncrion of the L.:nion and the l".mpJ,,yers; or 

64 

J6.7 t 
(5) In the: e\ent o:'t•:munattvn u~ m.t} lx: otherwise pro\ idcd b) Ia\\. 

l(d l'roccdurcs In Event oiTcrrnination or DiscMtinu.lnce. 

(t\) In tho:: t:Vent oJ' temunuti<Hl, th.., T rustecs shall: 

( I) Make pro,·ision out oJ' the Tmst Fund li1r the pa)lnenl of any and all 

obligations oJ' the PI''" und Trust, including expenses incurred up tn the <Me 

or termination ol' the Plan and the expenses incidental to ~uch tcnnination: 

and 

(2) Arr.1ngt: li>r a final uudit and report of their transactions and o.::counts l~•r the 

purpose of tennination of their Tnastccship: and 

(3) Gi\c any nottcc and prepare and file any reports which n1.1y be required by 

Ia": and 

(4) After pn)mcnt of the cxrcn~es as set l{1rth in Section (l) above the 

remaining as~cl~ ~hall h.: allucatcd among Panicipru\ls and l.lcncficiarics in a 

manner uppruvtXI by the: ~ourd tutd in accordance with applicable law. 

I ().4 Missing l'arlicipanls. 

(A) In case of a Plan ~0\lli'L'i.i b) T>tlc: IV of the Employee Retirement Income 

Security act or I <)74, u u~t tbmting part of such Plan shall not be trcat~d as 

Jailing to wn,titute a <1u:dified Tru>t under this section merely bc.:ausc the Plan of 

"hich such Trust is a pan. upon its tcnnination, tran,fcr. hcnulit' of missing 

Pru1icipants to the Pension Bcnelit Guaranty Cmpnratiun in accordance wuh 

Section 4050 of such Act. 

If> . .'\ \'c~tingnn Tenninat1on. 

(A) Notwithstandmg an~t ung In the cont ~ry contained in this Article und for the sole 

Pllll'nse " i' Cllntplying with the provisions of Section 411 (d)(3) of I he Int ernal 

Revenue C<•de. in the evelll of termination or partial tcnninntion of i~ Plan, the 

interests in this Plan, of nil l'nnici()nnts affected by such ttmninution ,w partial 

termination shnll be fully \CSicd and nonll1rleitahle to the extent lundcu as of lhe 

utile of ~uch tcrrmnatwn or pal1t"l tenninarion nnd that tho: pm1 i~ion~ of the 

li>reg•>ing s~c ivn~ of' thi~ 1id~ do not comply fully with said Sceuon 41l(d)(3) 

'' ithout the applicmion of thi$ pamgmph. For purposes ol' th•~ SL'Cll(llt. no CI'Cnt 

shall be deemed I<' be n "pantnl tcnnin.utun• unle:.:;: (A) the Ttu~tccs have S<J 

designated such C\cnl m a 11ntmg. ddtvcn:d to the l'articipating Employers: ur (R) 

;,uch <!\ <!nl ha~ l><:dt linal.y :Uld e.'lpress!y dctcnnincd to be a (Xlrtiat to.'Tlllmation 

"ithin tho: meaning of Section 'Ill (d) of the Internal Re\'cnuc C<>dc uf' 1954, as 

amended. i11 an administrauvc or jutli.::ial proce~hng tu "hich hr>th the Trustee ami 

the Commi;,;,inn.:r ol'lntcnwl R.:vcnuc or his/her dele-gate were panics. 

65 

36.72 
16.6 Merger or Consohdatt~m ol" thi.! l'ldn. 

(i\) In the case of <m) m.:rger or consolidancn of this Plan. or tn thl.! l'~ns on l·und 

with. or transfer of the asset;, or hJhihtic,; ufthe Plan amlitlr P.:nsion Fund to, 311\ 

other plnn. tbc tcnn ~ of ~11d1 merger, cmm,lidation. or u·au.sfcr shall be suc·h lh~t 

each Partio.:ipunt woulll rt:t.:eive (in the evcm of tcm1inntion ,,f the l'lan, or its 

successor immediately thcrCtlflcr) 11 hcncti.t which is no ~ss than he/she \\"Ould 

hnvc rccch·cd in th<.' cvcnt of tcmtination of this Plan rnm~diatdy before such 

merger, consolidation or transl"t:r, merger, I.!Onsolidation or trnnsfcr. 

66 

36.73 
Redacted by the U.S. Department of the Treasury

Redacted by the U.S. Department of the Treasury

Redacted by the U.S. Department of the Treasury Redacted by the U.S. Department of the Treasury

Redacted by the U.S. Department of the Treasury

Redacted by the U.S. Department of the Treasury
See the following pages. 

Document 36.2 

Piau Amendments 

36.75 
AJ\1E~DMENT NO. _I_ TO TH E 

I'IRICKLAYE.RS AND ALLIEO CRA FTSVIEN LOCAl. NO.7 

NS ON l.A~ 

WHEREAS. this Plan was amcn<IL.J unci r.:~taled eflective May I. 201-1; and 

Wllt..:REAS. Aniclc XVII. Section 16.1 pcnnits the Trustees to amend or modify this 

Plan at any time by majority vote, rctmactivdy if necessary, tn mc~t the quulification and 

exemption requirements of thu Code or h> mc~t any of lh~ l'l!tJ\Iircmenls of the Act or 

corresponding provisions of any subsequent or <llllCIJclatory federal legislation which ;, 

nppl icable; a.nd 

WHF.RF.AS, the Tru~tee$ desire to amend lhe Plan purs1>ant to nn IRS Information 

Request dated July 17. 2015. 

NOW THEREFORE!, the Board ofTru!.ICC.\ hu, dedurcd and agrco:d that the Plan shall be 

umended a~ foll<ms: 

A. Effective May I, 2014, Section 1.10 sh:lll he amended to slulc us ft>ll<>ws: 

1. 10 CtlnlrihulitlnS 

(A) The tel tn "Contributions" means payment to the Trust Fund by an Employer .. , 

required under applicable Collccuvc Bargaining Agreements or otho:r written 

agreements. The relevant portion~ tlf the Collective Bargaining Agr<-ement are 

attached and mc.1rporat.:d h) rcli!rence as Addendum I. 

36.76 
Redacted by the U.S. Department of the Treasury Redacted by the U.S. Department of the Treasury

Redacted by the U.S. Department of the Treasury Redacted by the U.S. Department of the Treasury Redacted by the U.S. Department of the Treasury
ADDENDUM! 

36.7R 
fPTCO:Lt. -£F.S LOCI'.(. ·~ 

Bricklayers and Allied 

C raftworkers' 

Agreement 

2011 - 2014 

OHIO ADMINISTRATIVE 

DISTRICT COUNCIL- LOCAL# 7 

AKRON, OHIO 

International Union of 

Bricklayers & Allied Craftworkers 

Of America, AFL- CIO 

AND 

THE ASSOCIATION 01= UNION MASON CONTRACTORS 

ARKON, OHIO 

36,79 

p.:.:;e: l 
253t950 

ARTICLE IV 

Wage Rates/Fringe Benefits, Duos. Other Contributions and Deductions 

Hourly Deductions I Effective Dates 

Section A. Wages and frmge IJencfits of the flncklayers, effective June 1 20 11 . 

Hoyrly Ra te lieallh Fund 

$28. :>6 +$6.14 

loco! Pong1QQ .111.!.!.£'§nsion 

+$2.00 +$0.60 

Apprentice F II.!Ji:! .J..M..L 

+$0 20 $ 42 

$3.6 t IL1'131 • SO. 14 (IPF PPA) 

$5.6 1 so 92 

Savings Program 

-$1 .50 

BT.C 

·$0.02 

Effective June 1. 2012 

Effective June 1, 2013 

!Jnion Dues 

-$1 51 

Gross Wage 

$41.60 

SO. 75 pe· hour increase 

SO 75 per hour increase 

Sect1on 6: Residential rate of w11ges and fringe benefits of the Bncklay'ers. cfrPctive 

June 1 , 2011 . 

l:.!o.vrJyJ3.1,!llt Health Fun!;! Local Pcpsioo lnt'l Pens1on Apprenlic!l Fund LMJ. 

$25 13 +$6 14 +$5 61 •·SO 92 +$0.20 •S 42 

Savings Prograrn 

-$1 50 

Effect1ve June 1. 201 2 

Ellcch·'e June 1, 201 3 

B.T C. 

-$0 02 

Union Dues 

·$1 41 

Gross Wage 

$36 77 

SO. 75 per hour increase 

$0.75 per hour lncreilse 

AUMC 

+S.OS 

(1) Residential Scope of Work, The scope ol work covered by the reSidential rate 

will include all units buill primarily for songle·fnmlly residence not to exceed two stories 10 

style, but does not onclude a11y cs dcntl~ l unit or project covered by ltle DllVIS·Bacon 

Act. 

Section C: The rate of lllo Sowor 8ncklayers will be fifty cents ($ 50) po1 how above 

the Building Bricklayers rate. Men working from cable 0 1 rope hung scartold shall 

receive fifty cents ($50) per h our ahove the A\oitding Bricklayers' rate. ThiS provision 

aoes not applf to the '·Patent Scaffold Company' type scaffold hung frOtn stool out-rigger 

bcams. 

Jo.KO 
F.R1 ~ 1 A <EP.S LOG,..L £E P:.SE CJ 

·----

Section B: Health Fund 

The contribution to !he Ohio Bricklayers Health & Welfare Fund sha'l be a total of 

S6 14 lor each hour or portion thereof lor wt11ch a covered employee receives nay. The 

payments required above shalf be made to the Ohoo Bricklayers Health & Wclforc F1111d 

which was established under an Agreement 011d Declaration of Trust. dated June 17. 

1977 

Section C: Local Pension 

The contribution to the Bricklayers and Allied Craltworkers No 7. Pens100 Fund 

shall be a total of Fove dollars and soJ<ty OM c.cnts {$5 61) for each hour or porto on 

tharAof. for which a covered employee received pay Two dollars ($2, 00) per ot~r 15 

allocated to pension and Three dollars and sixty one cents {$3 61) IS allocated to 

pension recovery. The pay111ents rcqtHred above shall be made to the Bricklayers and 

Allied Craftworkors Local No. 7, Penlllon Fund, which was ustl)bli~hod under an 

Agreet~~cnt and Declaration of Trust. dntcd Ff'bruary I , 1968 

Soclion 0: lntornatlonal Pension Fund (IPF) 

(a) Tho conlribullon to tho Brickluyers ond Trowel Trades International 

Peo~ion Fund QPF) shall be a total or eoghly cents (S 60) (IPr) for each hour or portion 

thereof and twelve cents (0 ,12) (PPA). for which covered employee receives pay. 

(b) The pay nt ~ reqwed nbove shall be made to the Brocklayers 

and Trowel Trades lnternatoonal Pens100 Fund (IPF). which W3S established under an 

Agreement and Declaration of TnJSI, dated 1 July 1972. 

Sor.tion E: Association of Union Mason Contrac tors (A.U.M.C.) 

There Shall be a five cents ($ 05) controbution for each hour worked to the 

A,U.M.C. for drug and alcohol testong costs remitted once each month '" per instructions 

on the muki-reporting form Proposed that the Contr<tclors be responsible for tne 

pnnting of the Collective Barg3lning Agreements to all affected partoes. 

Sect ion F: Vacation/Savings Fund 

One dollar and lilly cPnts ($1 50) shall be deduct~ from the employce"s 

wag as for oach hotH worl<ad and renutted a$ instrucled on the rn <~liHlmp oyN reporting 

form 

Soctlon G: Apprenticeship Fund 

Effectove June 1. 2009 !hroug11 M<1y 31"201 1 the hourly contribution shall be 

twenty cents ($0 20) per each srraogllt hme hour 

Section H: lntornatioual Masonry Institute (IMI) 

ThP contnbution to the ntcrnation<~l Masonry lnstltutn ~h'lll be Forty two cents 

($0 42) lor each hour or port ton thereof tor which a covered employee rece•ves pay. The 

ernployer"s total contributio11 for eoch hour or portion thereof(()( whocll an employee 

receives pay shall be allocated as follows· 

t The payments required above shall be madl! to thP. lnturnatoonal M(lsonry 

lnstotute. whoch was established under an Agreement and Qr)claratoon of Trust March 

14. 1981 as the successor trust to the pfedecessor International Masonry Institute 

(Established under"" Agreement and Occiaration of Trust .July 22. 1970) ~nd the 

cdcccs~()r lnternatoonal Masonry Appreolloccshop TroJst. Novcmt>er 6 1974. 

36.81 
See the following pages. 

Document 36.3 

Summnr·y Plan Description 

36.82 
BIUCKLAYERS & ALLIED CRAFTSMEN LOCAL 7 

PENSION FUND 

SUMMARY PLAN DESCRIPTION 

Effective May I, 2012 

*Except as othcnvise noted 

36.83 

~ ·· .. , 

~ · ... 
To: Participants, Surviving Spouses & Beneficiaries 

We are pleased to distribute this Summary Plan Description, or SPD, to you. 

This SPD summarizes the eligibility rules for participation in the Plan, the benefits provided to 

those who are eligible and the procedures which must be followed when applying for a benefit. 

Also included is important infonnation concerning the administration of the Plan and your rights 

as a Participant. 

Please READ THIS SPD CAREFULLY. A number of changes have occurred in this Plan since 

the last SPD was printed. Generally, this SPD applies to Active Participants who have one Hour 

of Service on or after May I, 2012, unless otherwise stated. Participants who do not have one 

Hour of Service on or after May I, 2012 should consult the prior SPDs covering the period they 

last had an Hour of Service or contact the Fund Office. 

From time to time, other changes in the Plan might be made. If there are any differences 

between the language in this SPD and the Agreement and Declaration of Trust or the Pension 

Plan Document, these latter documents will govern. 

This is your SPD describing your Plan. Please be certain to keep the SPD in a safe place for 

future reference. You may obtain any form mentioned in this SPD from the Fund Office (i.e. 

application forms, waiver forms, etc.) If you have questions about your Pension Plan, please do 

not hesitate to contact the Fund Office for assistance. 

Sincerely, 

Board ofTrustees 

BRICKLAYERS & ALLIED CRAFTSMEN LOCAL NO. 7 PENSION FUND 

36.X4 
BRICKLAYERS & ALLIED CRAFTSMEN LOCAL NO. 7 PENSION FUND 

BOARD OF TRUSTEES 

Management Trustees Union Trustees 

Thomas Brown 

Robert Cailor 

Michael Rohr 

Anthony Gradisher 

Douglas Marketich 

Bruce Vance 

ADMINISTRATIVE MANAGER 

Compensation Programs of Ohio, Inc. 

33 Fitch Boulevard 

Austintown, OH 44515 

(800) 435-2388 

FUND COUNSEL 

Timothy P. Piatt 

Macala & Pian, LLC 

60 I S. Main St. 

North Canton, Ohio 44720 

(330) 493-1570 

SPECIAL NOTICE 

It is extremely important that you keep the Fund informed of any change in address or desired 

change in beneficiary. This is your obligation and failure to fulfill this obligation could 

jeopardize your eligibility or benefits. The importance of a current, correct address ON FILE AT 

THE FUND OFFICE carUJot be overstated. It is the ONLY WAY the Trustees can keep in touch 

with you regarding Plan changes and other developments affecting your interests under the Plan. 

If any of your infom1ation, like address, marital status, or desired beneficiary, changes, you 

MUST contact the Fund Office IMMEDIATELY. 

36.85 
TABLE OF CONTENTS 

I. DEFINITIONS .................................................................................................................. 1 

II. ELIGIBILITY FOR PARTICIPATION IN THE PENSION PLAN ......................... 13 

Ill. CREDITING OF SERVICE .......................................................................................... 14 

IV. TYPES OF BENEFITS .................................................................................................. 15 

V. COMMENCEMENT OF BENEFITS AFTER NORMAL RETIREMENT AGE ... 28 

VI. MAXIMUM BENEFIT LIMITS ................................................................................... 29 

VII. TAXATION OF BENEFIT PAYMENTS .................................................................... 30 

VIII. SUSPENSION OF BENEFITS ...................................................................................... 31 

IX. NON-COVERED BARGAINING-UNIT EMPLOYMENT SANCTIONS ............... 33 

X. MISCELLANEOUS INFORMATION ......................................................................... 34 

XI. HOW TO APPLY FOR BENEFITS ............................................................................. 36 

XII. STATEMENT OF YOUR RIGHTS UNDER ERISA ................................................. 39 

XIII. ADDITIONAL INFORMATION REQUIRED BY ERISA ....................................... 42 

36.86 
(. DEFINITIONS 

I. Accrued Benefit - The term "Accrued Benefit" means a lifetime monthly benefit beginning 

at Normal Retirement Age earned by a Participant and is in effect at any particular time 

based on such person's Years of Credited Service and the benefit formula established under 

the Plan. 

2. Active Participant - The term "Active Participant" means a Participant who has not yet 

become a retired, disabled or deceased Participant, who has not yet suffered a Forfeiture of 

Service, and who has accrued at least one Year of Service out of the two (2) preceding Plan 

Years. 

3. Actuarial Value - The term "Actuarial Value" means an amount or series of amounts of 

equivalent value. Unless otherwise specified herein, this value will be determ!ned based 

upon the assumption and methods provided by the Plan's Actuary. 

4. Alternate Payee - The term "Alternate Payee" means a Spouse, former Spouse, child or 

other dependent of a Participant who is recognized by a Domestic Relations Order as having 

a right to receive all, or a portion of, the benefits under this Plan, with respect to the 

Participant. 

5. Association - The term "Association" means the Association of Union Masonry Contractors. 

6. Beneficiary - The term "Beneficiary" means the person or entity designated to receive 

benefits which may be payable after death. 

When a Participant or former Participant dies, his Beneficiary shall be the Spouse to whom 

the Participant or former Participant was married at the time of death unless such Spouse has 

consented in writing to the designation of a non-Spouse Beneficiary, the consent 

acknowledges the effect of the designation and the consent is witnessed by a Plan 

representative or a notary public. 

The term "Beneficiary" for an unmarried person means the person(s) designated by the 

Participant's latest written notice to the Board of Trustees prior to his death. 

In the event no valid Beneficiary designation has been filed with the Trustees at the date of 

death of an unmarried Participant, or if the Participant is not survived by the Beneficiary 

designated, the Beneficiary shall be deemed to be the first in the following classes which is 

living at the date of the Participant's or Former Participant's death: 

A. Participant's or Former Participant's legal Spouse, if any; 

B. Participant's or F'orn1er Participant's legal child or children, in equal shares; 

C. If no legal Spouse or legal child/children are surviving, the death benefit will be paid to 

the Executor or Administrator of the Participant's or Former Participant's estate. The 

benefit will be d istributed to such persons then living who would receive the Participant's 

36.87 
or Former Participant's personal property either under his will or according to the laws of 

the state of legal domicile of the Participant or former Participant at the time of his death. 

7. Board of Trustees - The term "Board of Trustees'' means the entity comprised of an equal 

number of Union Trustees and Management Trustees, as required by the Labor-Management 

Relations Act of 1947, as amended, and which is responsible for administering the Plan. The 

Board of Trustees shall be the Administrator as that term is used under ERISA. 

8. Break in Service • The term "Break in Service" means a Plan Year in which an eligible 

Participant fails to acquire four hundred thirty five (435) hours worked. 

It shall not be considered a Break in Service if a Participant is unable to maintain a Year of 

Service because of an accident or illness or as a result of service in Qualified Military 

Service, provided the Fund Office is notified of the accident, illness or service in Qualified 

Military Service on a form satisfactory to the Trustees. 

A Participant who has an absence from work with an Employer due to: 

A. the Participant's pregnancy; 

B. the birth of a child of the Participant; 

C. placement of a child with the Participant in connection with the adoption of such child by 

the Participant (including placement with the Participant for a trial period prior to 

adoption); or 

D. caring for such child for a period beginning immediately following such birth or 

placement 

shall be credited with Hours of Service. But, the Participant must furnish to the Trustees 

such timely information as the Trustees may reasonably require to establish that the absence 

!Tom work is for one of the reasons referred to above and the number of days for which there 

was such an absence. The Hours of Service shall be credited only to the Plan Year in which 

the period of absence begins if, but for such crediting, there would be a one-year Break in 

Service in such Plan Year. In any other case, the Hours of Service shall be credited to the 

next following Plan Year. The Hours of Service to be credited are the Hours of Service 

which otherwise would normally have been credited to the Participant but for such absence. 

If the number of such hours cannot be determined, eight (8) hours shall be credited per day of 

such absence. In no event, however, shall more than 435 Hours of Service be credited for 

such period of absence. Hours of Service shall be credited solely for purposes of preventing 

the occurrence of a Break in Service. 

In the case of a Participant who is entitled to a Vested Benefit but who has suffered a Break 

in Service and returns to Covered Service with an Employer, the Participant shall participate 

in the Plan immediately upon returning to such Covered Service. If a Participant who is not 

vested sustains a Break in Service, but not a Forfeiture of Service, the Participant shall 

participate immediately upon returning to Covered Service with an Employer. 

2 

36.88 
9. Brick and Mason Industry • The te1m "Brick and Masonry Industry" means any and all 

types of work covered by Collective Bargaining Agreements to which the Union is a party or 

under the trade j urisdiction of the Union, as that trade jurisdiction is described in the 

International Union's Constitution, or any other work to which a bricklayer has been 

assigned, referred or can perform because of his skills and training. The term "Brick and 

Mason Industry" shall not include employment in a related building trade unless such 

employment is on referral by and authorized by the Union. 

10. Collective Bargaining Agreement • The term "Collective Bargaining Agreement" means 

the written agreement between the Union and the signatory Employers which governs the 

wages, hours and conditions of Employees working in Covered Employment. 

I I. Compensation • The term "Compensation" shall include only that compensation which is 

actually paid to the Participant during the determination period or Plan Y car. 

I 2. Computation Period for Eligibility to Participate • The term "Computation Period" is the 

period for commencement of eligibility to participate in the Plan. It begins on the first day 

the Employee earns an Hour of Service for an Employer who is required to make 

contributions to the Plan pursuant to a written agreement and ends on the last day of the 

payroll period twelve ( 12) consecutive months thereafter. 

13. Contiguous Non-covered Service - The term "Contiguous Non-covered Service" means 

Non-covered Service with the same single Employer which immediately precedes or 

immediately follows Covered Service where no quit, discharge, lay-off or retirement occurs 

between such Covered Service and Non-covered Service. 

14. Contributions - The term "Contributions" means payments to the Fund by an Employer as 

required under applicable Collective Bargaining Agreements or other written agreements. 

I 5. Covered Service - The term "Covered Service" means Service with an Employer(s) 

maintaining a Plan that is within a job classification or class of Employees covered under the 

Plan for which compensation is paid, or for which the Participant is entitled to payment, in 

accordance with the Collective Bargaining Agreement or other written agreement. 

16. Domestic Relations Order - The term "Domestic Relations Order" means a judgment, 

decree or order (including approval of a property settlement agreement) that relates to the 

provision of child support, alimony payments or marital property rights to a Participant's or 

Former Participant's Spouse, fonner Spouse, child or other dependent and is made pursuant 

to a state domestic relations law, including a community property law. 

17. Early Retirement Age - The term "Early Retirement Age" means the age prior to the 

Participant's sixty-second (62nd) birthday when he reaches age fifty-five (55), or is credited 

with ten (10) Years of Service, whichever is later. 

18. Employee- The term "Employee" means: 

A. All Employees represented for the purpose of collective bargaining by the Union who 

perform more than 50% of his work as bargaining unit work for an Employer who is 

3 

36.89 
required to make contributions to the Trust Fund in accordance with the collective 

bargaining agreement. These Employees shall be referred to as Collectively Bargained 

Employees. 

B. All Employees who are former Collectively Bargained Employees who are performing 

work for an Employer which is a party to a collective bargaining agreement or is/are 

Employees of the Union. These Employees shall be referred to as Bargaining Unit 

Alumni. Their participation in the Plan is permitted only if the Plan does not treat 

Bargaining Unit Alumni more favorably than similarly situated Collectively Bargained 

Employees and no more than 5% of the Participants in the Plan are Non-collectively 

Bargained Employees. For purposes of vesting and benefit accrual for Service earned on 

or after May 1, 1989, these Employees shall be considered Non-collectively Bargained 

Employees. 

C. All other Employees of the Union who are not Bargaining Unit Alumni who participate 

on a non-discriminatory basis and are not treated more favorably than similarly situated 

Collectively Bargained Employees or Bargaining Unit Alumni. These Employees shall 

be referred to as Non-collectively Bargained Employees. Effective January I, 1993, 

Employee shall also mean all Employees who were previously employed by Bricklayers 

and Allied Craftsmen Local No. 7 who as of that date became Employees of the Ohio 

Northern District Council of Bricklayers and Allied Craftsmen, now known as Northern 

Ohio Administrative District Council, as a result of the merger of Bricklayers and Allied 

Craftsmen Local 7 into that Council. 

The term "Employee" shall not include partners or self-employed persons no matter how 

designated and such Persons are excluded from the benefits provided in this Plan. 

An Employee shall not be ineligible to participate in the benefits of this Plan because of his 

participation in a labor dispute or because of his absence from work due to such labor dispute 

or because of his being locked out by his Employer. 

19. Employer- The term "Employer" means: 

A. Employers who are parties to Collective Bargaining Agreements with the Union as a 

result of their affiliation with the Association. 

B. Any other individual, firm, a~sociation, partnership or corporation who is performing 

work within the Brick and Masonry Industry and who is bound by Collective Bargaining 

Agreements with the Union and agrees to participate in and contribute to the Trust Fund. 

The participation of Employers shall be on terms which the Trustees shall determine. 

C. If the Trustees provide and if it is not judicially determined to be a violation of any law or 

statute, the "Employer" may also include the Union and may also include the Trustees, if 

applicable, as their Employees, provided these organizations become contmctually 

obligated to make contributions on behalf of their Employees, sign a copy of the 

Agreement or, in some other manner acceptable to the Trustees, consent in writing to be 

bound by the terms of the Agreement, and who have been accepted for panicipation in 

the Fund by the Trustees on terms which, in their absolute discretion, they shall 

4 

36.90 
detennine. Employer shall also include any individual, fum, association, partnership, or 

corporation who has a collective bargaining agreement with the Trustees, makes 

contributions according to that agreement to the Trust Fund on Bargaining Unit Alumni 

employed by it subject to the restrictions of number I 8, above. 

20. ERISA - The tenn "ERISA" means the Employee Retirement Income Security Act of 1974, 

as amended. 

2 1. Forfeited Service - The tcnn "Forfeited Service" means the number of Y cars of Service 

credited to a non-vested Participant that becomes forfeited. 

For Plan Years prior to May 1, 1985, all Service credited to a non-vested Participant shall be 

forfeited at the time the Participant suffers consecutive one ( 1) year Breaks in Service equal 

to or exceeding his total Years of Service. 

For Plan Years commencing on or afier May I, 1985, all Service credited to a non-vested 

Participant shall be forfeited at the time such Panicipant suffers consecutive one-year Breaks 

in Service equaling or exceeding the greater of five (5) or the Participant's total Years of 

Service preceding such Breaks in Service. 

No Plan benefits shall be ba~ed on hours worked for which Years of Service were credited 

that later become Forfeited Service. 

22. Former Participant - The term "Former Participant" means an individual whose 

participation has ceased but who has not incurred a Forfeiture of Service. It shall also mean 

an individual, other than a Beneficiary, who is receiving a benefit from the Plan. 

23. Future Service - The tenn "Future Service" means the Participant's Years of Service 

subsequent to the later of February 1, 1968, or the date the Employee becomes a Participant 

in the Plan. 

24. Hours of ServiceJHours Worked -For purposes of participation, vesting and benefit accrual, 

the term "Hours of Service" or "Hours Worked" means: 

A. Each hour for which an Employee is paid or entitled to payment for the pcrfonnance of 

duties for an Employer and hours for which back pay, irre~pective of mitigation of 

damages, is awarded or agreed to by an Employer, to the extent that such award or 

agreement is intended to compensate an Employee for periods during which the 

Employee would have been engaged in the perfonnance of duties for the Employer. 

B. Each hour for which an Employee is absent from work due to a maternity or paternity 

leave of absence, as defmed in the Plan, for the sole purpose of detennining whether a 

Break in Service has occurred. Hours of Service shall be credited only to the extent that 

they would have been credited but for such absence or if such numbers of Hours of 

Service credited under this provision exceed the minimum number of Hours of Service 

needed to prevent the occurrence of a Break in Service in the Plan Year such absence 

begins. However, if in the Plan Year in which such absence begins the Employee has a 

sufficient number of Hours of Service to prevent the occurrence of a Break in Service 

5 

36.91 
without regard to this provision, the Employee shall be credited with the minimum 

number of Hours of Service needed to prevent the occurrence of a Break in Service 

during the Plan Year which immediately follows the Plan Year in which the absence 

begins. No Hours of Service under this provision shall be credited unless the Employee 

fumishes to the Board of Trustees timely information as the Trustees may reasonably 

require to establish: (I) the Employee's absence from work is due to the reasons referred 

to above and (2) the number of days for which there was such an absence. 

C. Effe.ctive December 12, \994, as required by the Uniformed Services Employment and 

Reemployment Rights Act of 1994 (USERRA), each hour for which an Employee is 

absent from work due to Qualified Military Service, as defined in Paragraph 27 of this 

section, for the sole purpose of determining whether a Break in Service has occurred. 

Hours of Service pursuant to this sub-paragraph (C) shall be credited only to the extent 

they would have been credited but for such absence, or if such number of Hours of 

Service ca~mot be determined, at the rate of eight Hours of Service per day of absence. In 

no event, however, shall the number of Hours of Service credited pursuant to this subparagraph (C) exceed the minimum number of Hours of Service needed to prevent the 

occurrence of a Break in Service in the Plan Year such absence begins. Notwithstanding 

the foregoing, no Hours of Service shall be credited under this sub-paragraph unless the 

Employee was in the active service of an Employer prior to such an absence due to 

Qualified Military Service, such absence did not exceed the minimum requirements of 

the Unifonned Services and Reemployment Rights Act of 1994, and any related 

regulations, and the Employee fulfills the notice requirements set forth in Paragraph 27. 

There shall be no duplication of crediting Hours of Service. Department of Labor 

Regulations Section 2530.200b-2(b) and Section 2530.200(b) are incorporated by reference. 

25. Inactive Participant - The term "Inactive Participant" means a Participant who has not yet 

become a retired, disabled or deceased Participant, has not yet suffered a Forfeiture of 

Service, and who has not accrued at least one Year of Service out of the two (2) preceding 

Plan Years. 

26. Jurisdiction of the Fund- The terrn "Jurisdiction of the Fund" means the industry, trade or 

craft in the geographical area over which the Bricklayers & Allied Craftsmen Local No. 7 has 

jurisdiction. 

27. Qualified Military Service- The term "Qualified Military Service" means any absence from 

work by reason of active duty in the Armed Forces of the United States. A Participant shall 

be given full credit for benefit accrual, Hours of Service, participation, vesting and Years of 

Vesting Service for time periods, not to exceed the minimum requirements of the Uniformed 

Services Employment and Reemployment Rights Act of 1994, and any related regulations, in 

which he was absent from work due to the Qualified Military Service. 

A. The time period limitation indicated above shall not include any service: 

i. That is required beyond five years to complete an initial period of obligated service; 

6 

36.92 
11. During which the individual was unable to obtain orders releasing him from service 

in the uniformed services before expiration of the five (5) year period, and such 

inability was through no fault of the individual; 

iii. Perfom1ed as required pursuant to the ready reserve training requirements, required 

drills and field exercises and/or participation in field exercises, or to fulfill additional 

training requirements determined and certified in writing by the Secretary of the 

military department concerned to be necessary for professional development or for 

completion of skill training or retraining; 

IV. Performed by a member of a unifom1ed service who is: 

a. Ordered to or retained on active duty as a reserve pursuant to certain provisions of 

federal law or as a recall to duty or detention beyond terms of enlistment (in the 

case of the Coast Guard pursuant to certain provisions of federal law (i.e., war or 

national emergency); 

b. Ordered to or retained on active duty (other than for training) under any provision 

of law during a war or during a national emergency declared by the President or 

the Congress; 

c. Ordered to active duty (other than for training) in support, as determined by the 

Secretary of the military department concerned, of an operational mission for 

which reserve personnel have been ordered to active duty under federal law; 

d. Ordered to active duty in support, as determined by the Secretary of the military 

department concemed, of a critical mission or requirement of the uniformed 

services, or; 

e. Called into federal service as a member of the National Guard pursuant to federal 

law in the case of an insurrection, invasion, rebellion and/or danger of rebellion. 

B. Contributions shall be made for the above leave of absence by the Pension Plan or as 

otherwise determined at the discretion of the Board of Trustees of the Plan, in compliance 

with federal law. Said contributions shall be based upon the average hours reported 

monthly to the Fund over the lesser of thirty-six (36) months or the period of 

Participant's participation immediately prior to Qualified Military Service. 

C. In order for a Participant to receive continuing benefits as outlined above, said Participant 

shall notify the respective Employer with advance written or verbal notice of such 

service. A Participant upon the completion of a period of service in the uniformed 

services shall notify the Employer, as referred to in such subsection below, of the 

Participant's intent to return to a position of employment with such Employer as follows: 

1. In the ca~e of a Participant whose period of service in the uniformed services was less 

than thirty one (31) days, by reporting to the Employer: 

7 

36.93 
a. not later than the beginning of the first full regularly scheduled work period on the 

first full calendar day following the completion of the period of service and 

expiration of eight (8) hours after a period allowing for the safe transportation of 

the Participant from the place of that service to the Employee's residence; or 

b. as soon as possible after the expiration of the eight (8) hour period referred to in 

clause (a), unless reporting within the period referred to in such clause is 

impossible or unreasonable through no fault of the person. 

ii. In the case of a Participant who is absent from a position of employment for a period 

of any len&>th for the purposes of an examination to determine the Employu's fitness 

to perform service in the uniformed services, by reporting in the manner and time 

referred to in sub-paragraph (C)(i) above. 

iii. In the case of a Participant whose period of service in the uniformed services was for 

more than thirty (30) days but less than one hundred eighty one (181) days, by 

submitting an application for reemployment with the Employer not later than fourteen 

(14) days after the completion of the period of service, or if submitting such 

application with such period is impossible or unreasonable through no fault of the 

Participant, the next first full calendar day when submission of such application 

becomes possible. 

iv. In the case of a Participant whose period of service in the uniformed services is for 

more than one hundred eighty (180) days, by submitting an application for 

reemployment with the Employer not later than ninety (90) days after the completion 

of the period of service. 

D. Furthermore, in order to restore the above pension rights, the Participant must notify the 

Fund Office in \vriting, within sixty (60) days of his discharge, of his intent to return to 

work. 

E. Upon a Participant's honorable discharge from Qualified Military Service, the Employee's 

eligibility status w1der the Plan will be restored to the status that existed when be entered 

Qualified Military Service, provided the Participant fulfills the notice and documentation 

requirements outlined above. In addition to said notic-e, the Participant shall also supply 

the Fund Oftlce with copies of his discharge papers showing the date of his induction or 

enlistment in Qualified Military Service and the date of his discharge. Failure on the part 

of the Participant to file such documentation with the Fund Office and/or provide the 

above notice may be deemed an indication that the Participant does not wish to restore 

his eligibility status under the Plan. 

F. A Participant who is hospitalized for, or convalescing from, an illness or injury incurred 

in, or aggravated during, the performance of service in the uniformed services shall, at 

the end of the period that is necessary for the person to recover from such illness or 

injury, report to the person's Employer (in the case of a person described in subparagraph (C)(i) or (C)(ii) above), or submit an application for reemployment with such 

Employer (in the case of a person described in sub-paragraph (C)(iii) or (C)(iv) above). 

8 

36.94 
The period of recovery may not exceed two years. However, thls shall be extended by 

the minimwn time period to accommodate the circumstances beyond such person's 

control whlch make reporting within the period specified above impossible or 

unreasonable. 

28. Non-covered Employment· The term "Non-covered Employment" means self-employment 

in the Brick and Masonry Industry or employment for an Employer which docs not have a 

Collective Bargaining Agreement between the Union and the Employer. 

29. Non-covered Service • The term "Non-covered Service" means Service with an Employer 

maintaining the Plan which is not Covered Service. 

30. Non-vested Participant - The term "Non-vested Participant" means a Participant who has 

less than five (5) Years of Service. 

31 . Normal Retirement Age · The term "Normal Retirement Age" means the earlier of: 

A. The time the Participant attains age sixty two (62) and has been credited with five (5) or 

more Years o f Service; or 

B. The later of: 

i. Age sixty five (65); (lr 

ii. The fifth (5111) anniversary of the time the Participant first commenced participation in 

the Plan. 

32. Normal Retirement Date - The term "Normal Retirement Date" means the first day of the 

month coincident with or immediately following the Participant's Normal Retirement Age. 

33. Participant - The term "Participant" means an Employee who is eligible to participate in the 

Plan. 

34. Plan • The term "Plan" means the Bricklayers & Allied Craftsmen Local No. 7 Pension Plan 

and any amendments thereto. 

35. )>Jan Y car - The tenn "Plan Year" means the twelve-month period beginning May I and 

ending the following April 30. 

36. Qualified Domestic Relations Order -

A. The tenn "Qualified Domestic Relations Order" means a Domestic Relations Order 

which creates or recognizes the existence of an Alternate Payee's right to, or assigns to an 

Alternate Payee the right to, receive all or a portion of the benefits payable with respect 

to a Participant under the Plan which clearly specifies: 

9 

36.95 
1. The name and the last known mailing address (if any) of the Participant or Former 

Participant, the name and mailing address of each Alternate Payee covered by the 

Order; 

ii. The amount or percentage of the Participant's or former Participant's benefits to be 

paid by the Plan to each such Alternate Payee, or the manner in which such amount or 

percentage is to be determined. 

iii. The number of payments or period to which such Order applies; and 

iv. Each Plan to which such Order applies. 

B. In addition, a Domestic Relations Order will be considered a Qualified Domestic 

Relations Order only if such Order: 

t. Does not require the Plan to provide any type or form of benefit, or any option, not 

otherwise provided under the Plan; 

11. Does not require the Plan to provide increased benefits (determined on the basis of 

actuarial value) and; 

iii. Does not require the payment of benefits to an Alternate Payee which are required to 

be paid to another Alternate Payee under another Domestic Relations Order 

previously determined to be a Qualified Domestic Relations Order. 

C. The Plan maintains an internal procedure for the processing of all Qualified Domestic 

Relations Orders. You may obtain a copy of such procedure from the Administrative 

Manager. 

37. Qualified Joint and Survivor Annuity - The term "Qualified Joint and Survivor Annuity 

means a form of benefit which provides monthly payments to the Retired Participant for life, 

with a Survivor Benefit for the life of the Spouse, if surviving upon the Retired Participant's 

death, in an amount equal to either 50%, 75% or 100% of the amount paid to the Retired 

Participant, depending on the benefit chosen. 

38. Qualified Pre-retirement Survivor Annuity - The term "Qualified Pre-retirement Survivor 

Annuity" means a survivor annuity for the life of the Surviving Spouse of the Participant and 

payable in accordance with the Plan provisions. 

39. Reciprocity Hours Worked • If the Board of Trustees enters into money-follows-the-man 

reciprocity agreements, such agreements shall be a part of this Plan and all hours transferred 

into this Plan under such agreements shall be credited as hours worked for crediting Service 

under this Plan. 

40. Same Geographic Area • The term "Same Geographic Area" means the State of Ohio and 

portions of those states located as a part of a Standard Metropolitan Statistical Area, as 

defined by the U.S. Census Bureau. 

10 

36.96 
41. Same Industry -The term "Same Industry" is defined as work within the Brick and Masonry 

Industry and as in accordance with the definitions contained within the Collective Bargaining 

Agreement. 

42. Same Trade or Craft - The term "Same Trade or Craft" means a trade or craft in which a 

Participant was employed at any time prior to his retirement under the Plan and shall include 

any supervisory or managerial activity as contained in the provisions of the Collective 

Bargaining Agreement. 

43. Spouse or Eligihle Spouse- The term "Spouse" or "Eligible Spouse" means the Participant's 

legal Spouse who has been married to the Participant for at least one year at the time a Preretirement Death Benefit is first payable, or the Participant's legal Spouse who has been 

married to the Participant at least one year at the first time the Participant commences 

receiving retirement benefits provided by this Plan. 

44. Terminated Participant - The tenn "Terminated Participant" means a Vested Employee who 

has not accrued at least one (I) Year of Service during the two (2) preceding Plan Years. 

45. Total and Permanent Disability - Efl"ective May I, 2009, the term "Total and Pennanent 

Disability" means the Participant must be disabled before May I, 2009 as dctcnnined by the 

Social Security Administration. 

A Participant shall be considered totally and permanently disabled if the Trustees find, on the 

basis of medical evidence, a physical or mental condition of a Participant which completely 

prevents such Participant from engaging in work for wage or profit within the same industry, 

trade or craft and, in the opinion of the medical examiner, the disability will be pennanent 

and continuous during the remainder of the Participant's life. No Participant, however, shall 

be deemed to be totally and permanently disabled under the Plan if his incapacity consists of 

addiction to narcotics or, if such disability was contracted, suffered or incurred while he was 

engaged in a felonious enterprise, or resulted therefrom. or resulted from an intentionally 

self-inflicted injury, or from an injury, wound or disability suffered or arising out of a state of 

war, declared or undeclared. 

46. Trustees - The term "Trustees" means any person designated as a Trustee in accordance with 

the Amended Agreement and Declaration of Trust or his successor(s). The Trustees 

collectively means the Administrator, as that term is used in ERISA. The term "Employer 

Trustees" means the Trustees selected by the Association. The tenn "Union Trustees" means 

the Trustees selected by the Union. The designation of Employer Trustee or Union Trustee 

does not affect or alter the duty of each Trustee appointed to act in a fiduciary capacity. 

47. Union-The tenn "Union" means the Bricklayers & Allied Craftsmen Local No.7. 

48. Vested Participant - The tenn "Vested Participant" means a Participant who has met the 

Plan's eligibility requirements to be entitled to a non-forfeitable benefit upon retirement. 

49. Vesting and Benefit Accrual Computation Period - The tenn "Vesting and Benefit 

Accrual Computation Period" means the Plan Year. 

II 

36.97 
50. Year of Service - The tenn "Year of Service" or "Service" means the number of years for 

which a Participant receives credit on the records of the Fund. Service shall be equal to the 

number of Years of Past Service plus the number of Years of Future Service and shall be 

used for Participation, Vesting, and Eligibility for Benefits and Benefit Accrual. 

A. Past Service: Past Service shall be granted to a Participant who worked in the 

jurisdiction of the Union on or before February I, 1968. One (I) Year of Past Service 

shall be granted to a Participant for each Plan Year that the Participant worked in the 

jurisdiction of the Union during the period of February I, 1948 to February I, 1968. Any 

Past Service as otherwise granted shall be canceled upon the Employee suffering a 

Forfeiture of Service after February I, 1968. If a Participant performs at least one hour of 

non-covered brick and masonry employment within the same geographical area of the 

Fund on or after May I , 1994, then he shall lose all Past Service for the purpose of 

calculating his benefit amount, provided that such loss of Past Service credits shall not 

decrease the Participant's accrued Nonnal Retirement Benefit to an amount less than his 

accrued Nonnal Retirement Benefit. 

B. Future Service: Future Service shall be granted to a Participant after February I, 1968. 

Prior to May I, 1976, one (I) Year of Future Service shall be granted to a Participant for 

each Plan Year during which he receives contribution credits on the records of the Fund. 

Service on and after May 1, 1976: On and after May 1, 1976, one Year of Service shall be 

granted to a Participant who has met the requirements for initial eligibility to participate in 

this Plan. Subsequent Years of Service shall be earned by a Participant who has four 

hundred thirty five (435) hours of work within a Plan Year beginning with the Plan Year 

which includes the first anniversary of the Participant's employment commencement date. 

The total Service of the Participant shall not include any Years of Breaks in Service. 

A Participant shall be credited Qualified Military Service to the extent required by applicable 

law, but only if the Participant returns to service with an Employer within such time as 

reemployment rights are guaranteed by law. Otherwise, service in the Armed Forces of the 

United States shall be disregarded in computing Years of Vesting Service. 

For purposes of detennining Years of Service, all Covered Service and all Contiguous Noncovered Service with an Employer maintaining the Plan shall be taken into account; 

provided, however, no Contiguous Non-covered Service shall be credited to the Fund unless 

the Employer or Participant notifies the Administrator of the hours worked by the participant 

in Non-covered Service within ninety (90) days after the date of participation or the Plan 

Year, whichever is later. 

12 

36.9M 
II. ELIGIBILITY FOR PARTICIPATION IN THE PENSION PLAN 

If you were a Participant in the original Plan prior to May I, 1976, you will be a Participant in 

the Plan as of May I, 1976. 

Each person who becomes an Employee on or after May I, 1976 must work 435 hours within the 

Computation Period for Eligibility. Once he does that, he will become a Participant upon the earlier 

of (I) November I, or (2) the beginning of the following Plan Year. If an Employee does not 

become a Participant within the first Computation Period For Eligibility, the Employee must meet 

the requirements of participation within subsequent twelve-month periods as if he were a new 

Employee first beginning to work for an Employer. 

For example, if you become an Employee on March I, 2011 and you reach 435 hours worked on 

August I, 20 II, you will become a Participant in the Bricklayers & Allied Craftsmen Local No. 

7 Pension Fund on November I, 2011 (Since November I, 2011 is earlier than May I, 2012, 

which is the begi.Jming of the following plan year). 

Once you become a Participant, your eligibility for continued participation will be measured by 

Service within a Plan Year (each May I through April JO). In the event you suffer Forfeited 

Service, when you return to the status of an Employee, you will be required to meet the 

foregoing requirements before again becoming a Participant. 

13 

36.99 
III. CREDITING OF SERVICE 

Service prior to February 1, 1968: For your Service during the period of February 1, 1948 

through February I, 1968, you will receive credit for one (I) Year of Service for each Plan Year 

during which you worked under the jurisdiction of Bricklayers & Allied Craftsmen Local No.7. 

This period of Service is known as your Past Service. 

Service from February 1, 1968 through April 30, 1976: For your Service during the period 

of February I, 1968 through April30, 1976, you will receive credit for one (I) Year of Service 

for each Plan Year during which contribution credits were received on the records of the Fund on 

your behalf. Service on and after February I, 1968. 

Service on and after May 1, 1976: On and alter May I, 1976, one Year of Service will be 

granted to you if you have met the requirements for initial eligibility to participate in the Plan. 

You will earn subsequent Years of Service for each Plan Year during which you have a total of 

four hundred thirty five ( 435) hours of work in Covered Employment. 

If you work less than four hundred thirty five (435) hours in Covered Employment within a Plan 

Year, you will have a Break in Service. Your total Service will not include any Years of Breaks 

in Service. If, after May I, 1985, you have consecutive one-year Breaks in Service which equal 

or exceed the greater of five (5) or your Years of Service credited before your Breaks in Service, 

your Years of Service prior to your Breaks in Service will be forfeited. For example, if you have 

three (3) Years of Service and then fail to work four hundred thirty five (435) hours in Covered 

Employment each of the following five (5) Plan Years, your three (3) Years of Service prior to 

the Breaks in Service will be Forfeited Service. Your total Service will not include any Years of 

Forfeited Service. In addition, no Plan benefits will be based on contributions for which Years 

of Service were credited that later became Forfeited Service. If you are a Vested Participant, you 

cannot forfeit Service under this Plan. 

For purposes of determining a Year of Service, all of your Covered Service with an Employer 

and all Contiguous Non-covered Service with an Employer maintaining the Plan shall be taken 

into account. However, no Contiguous Non-covered Service shall be credited to the Fund unless 

the Employer or Participant notifies the Administrator of the hours worked by the Participant in 

Non-covered Service within ninety (90) days after the date of participation or the Plan Year, 

whichever is later. 

All of your Years of Continuous Service will count in the detennination of your eligibility for 

benefits and vesting. 

14 

36. 100 
IV. TYPES OF BENEFITS 

The different benefits available are: 

A. Normal Retirement Benefits 

B. Early Retirement Benefits 

C. Total and Permanent Disability Benefits 

D. Death Benefits 

E. Deferred Vested Benefits 

No Participant shall be eligible for more than one class of benefits at the same time. 

To the extent payment of a pension benefit commences after the I" day of the month following 

receipt of the completed retirement application, the Plan will pay retroactive monthly payments 

along with interest pursuant to IRS Regulations. 

Normal Retirement Benefits 

Eligibility for Normal Retirement Benefit: You will be eligible to apply for a Normal 

Retirement Benefit provided you have reached your Normal Retirement Age and have retired 

from employment with all Employers in the jurisdiction of this Plan. 

Amount of Normal Retirement Benefit: The amount of your Normal Retirement Benefit will 

be equal to your Past Service Benefit, if any, plus your Future Service Benefit, as follows: 

Past Service Benefit - Your Past Service Benefit will be determined based on your 

Countable Years of Past Service multiplied by One Dollar ($1.00). 

Future Service Benefit - At the time of your retirement, your Future Service Benetit will 

be equal to a percentage of Employer contributions made on your behalf to the Ftmd on 

or after February I, 1968 and based on the Future Service crediting rate in effect at the 

time you were last considered to be an Active Participant of the Plan. 

For Active Participants who retire on or after May I, 2006, the Future Service Benefit is 

as follows: 

4.1% of Employer contributions for work from 02/01/1968 - 04/3012003, plus 

3.0% of Employer contributions for work from 05/01/2003-04/3012005, plus 

1.0% of Employer contributions for work from 05/0 1/2005 - 04/30/2006, plus 

1.0% of the first $2.00 of Employer contributions for work after 05/01/2006. 

For example, if you retire on July I, 2011 at sixty two (62) years of age with at least five 

( 5) years of service and at least one ( 1) year of service after May 1, 1997, after having 

15 

36.10 1 
worked in the jurisdiction of Bricklayers & Allied Craftsmen Local No. 7, since 1979 

with the following contributions made on your behalf: 

Work Period 

February I , 1979-April 30, 2003 

May I, 2003 - April 30, 2005 

May I, 2005- April 30, 2006 

May I, 2006 - June 30,2011 

Amount of Contributions 

$50,000.00 

$ 5,000.00 

$ 3,000.00 

$ 2,000.00 

For the May I, 2006 - June 30, 20 II contribution amount, assume that is the credited portion 

only. Your monthly benefit will be calculated as follows: 

$50,000 X 4.1 o/o = $ 2,050.00 

$5,000 X 3.0% = $ 150.00 

$3,000 X J.Oo/o = $ 30.00 

$2,000 X J.Qo/o = s 20.00 

Normal Retirement Benefit $ 2,250.00 

Commencement of Normal Retirement Benefit: Upon meeting the eligibility requirements for 

the Normal Retirement Benefit, you will become entitled to receive your Normal Retirement 

Benefit effective with the first day of the month following receipt of your application. You will 

continue to receive your benefit monthly for life. 

Unless you elect otherwise or if you do not have a surviving Spouse, the Normal Retirement Benefit 

will be paid as a Qualified Joint and 50% Survivor Benefit. 

If, as of May I, 2009, you have not commenced receiving pension benefits, the sixty (60) mouth 

guardntee of benefit payments has been changed to a life only benefit. TIJ.is benefit is payable to a 

Participant over his lifetime. 

If you retire on or after May I, 2009, you can elect the sixty (60) month guarantee with a monthly 

reduction in benefit. The reduction in the monthly benefit will depend upon the retirement age of 

the participant as provided in the following table: 

Cost of 60 Month Guarantee Optional Bcnctlt Form 

Age 

62 

63 

16 

36.1()2 

% Reduction 

1.86% 

2.08% 
64 2.33% 

65 2.61% 

66 2.92% 

67 3.25% 

68 3.61% 

69 4.00% 

If you become eligible for Normal Retirement and do not apply for your benefit by the 60th day 

aller the close of the Plan Year during which you become eligible, the Fund Office will notify 

you of your eligibility. If the Fund Office does not thereafter receive your application, you will 

be deemed to have elected to postpone commencement of your benefits. 

Note: Your Normal Retirement Benefit may not exceed the maximum benefit allowed by law. 

Early Retirement Benefits 

Eligibilily for Early Retirement Benefit: You will be eligible to apply for an Early Retirement 

Benefit provided you are at least age fifty-five (55), but younger than your Normal Retirement 

Age, have ten (I 0) Years of Service and have retired from employment in the Brick and Masonry 

Industry within the jurisdiction of the Plan. 

Form of Rencfit: Unless the Participant elects otherwise or has no surviving Spouse, the Early 

Retirement Benefit will be paid as a Joint & 50% Survivor Benefit. 

For a Participant who has not yet c<>mmenccd receiving pension benefits, the sixty (60) month 

guarantee of benefit payments has been changed to a life only benefit. This benefit is payable to a 

Participant over his lifetime. 

A Participant who retired on or after May I, 2009 can elect the sixly (60) month guarantee with a 

monthly reduction in benefit. 1be reduction in the monthly benefit will depend upon the retirement 

age of the participant as provided in the following table: 

Age 

55 

56 

57 

58 

59 

60 

61 

62 

Cost of 60 Month Guarantee Optional Benefit Form 

%Reduction Age 

0.86% 

0.96% 

1.07% 

1.1 9% 

1.33% 

1.48% 

1.66% 

1.86% 

63 

64 

65 

66 

67 

68 

69 

% Reduction 

2.08% 

2.33% 

2.6.1.% 

2.92% 

3.25% 

3.61% 

4.000/o 

Amount of Early Retirement Benefits: For Participants who were eligible to retire prior to 

May I, 2009, the Early Retirement Benefit shall be a monthly benefit equal to the Participant's 

Normal Retirement Benefit, as described above, reduced at the rate of one-third (1/3) of one 

17 

36.103 
percent (1%) for each month the Participant is younger than age sixty two (62) on the 

commencement date of his Early Retirement 

For Participants who were not eligible to retire prior to May I, 2009, the Early Retirement 

Benefit shall be a monthly benefit equal to the Participant's Normal Retirement Benefit, as 

described above, reduced at the rate at 7% per year or .583% for each month the Participant is 

younger than age 62 on the commencement date of his Early Retirement Benefit. 

Based upon the example under the NoiTilal Retirement Benefit, assuming you were not eligible 

to retire prior to May I, 2009, if your benefit accrued at Normal Retirement Age is $2,250.00 per 

month, but you elect to retire at age fifty-five (55), your Early Retirement Benefit would be 

calculatt:d as follows: 

Normal Retirement Benefit 

(prior to reduction for Early 

Retirement): 

Early Retirement reduction of 

49% (7% per year under age 

62) 

Early Retirement Oenetit: = 

$ 2,250.00 

($1, I 02.50) 

$ 1,147.50 

Commencement of Early Retirement Benefit: Upon meeting the eligibility requirements for 

an Early Retirement Benefit you will become entitled to receive your Early Retirement Benefit 

effective as of the first day of the month following the receipt of your application. You will 

continue to receive your benefit monthly for your remaining lifetime. 

Note: Your Early Retirement Benefit may not exceed the maximum benefit allowed by law. 

Total and Permanent Disability Benefits 

Effective May 1, 2009, to be eligible lor Permanent Total Disability Benefit, you must be 

disabled before May I, 2009 as determined by the Social Security Administration. Disability 

benefits are eliminated for Participants who become disabled on or after May I, 2009. For those 

Participants who have retired under the Total and Permanent Disability Benefit prior to May 1, 

2009, your benefits are not affected. 

Amount of Total and Permanent Disability Benefit: Your Total and PeiTilanent Disability 

Benefit will be a monthly benefit equal to seventy percent (70%) of your total accrued benefit, as 

calculated for a NoiTilal Retirement Benefit. For example, if the Social Security Administration 

determines that you became disabled on April I, 2009 and your total accrued benefit is 

$2,250.00, your Total and PeiTilanent Disability Benefit is $1,570.00 ($2,250.00 x 700.4.). 

Commencement of Total and Permanent Disability Benefit: You will become entitled to 

receive your Total and PeiTilanent Disability Benefit effective as of the first day of the month 

next following receipt of your application by the Trustees. You will receive your benefit 

18 

36.104 
monthly during continued eligibility for disability benefits, with the last payment to be made on 

the earlier of the first day of the calendar month following the month you anain age fifty-seven 

(57) or the first day of the calendar month preceding your death. 

Termination of Total and Permanent Disability Benefit: Your Total and Permanent 

Disability Benefits will be terminated if: 

A. You engage in or perfo1m work within the Same Industry, as contained in the provisions 

of the Collective Bargaining Agreement. 

B. The Trustees determine on the basis of medical findings that you have sufficiently 

recovered to resume a regular occupation or employment for profit or remuneration 

within the Same Industry, Trade or Craft, 

C. You refuse to undergo a medical examination requested by the Trustees; provided, 

however, this may not be required more frequently than onee per year, or 

D. You attain fifty seven (57) years of age. 

At such time as a Participant who is receiving a Total and Permanent Disability Benefit from the 

Plan reaches the age of fifty-seven (57), his benefit will be terminated. Thereafter, the disabled 

Participant will be offered the right to reeeive an Early Retirement Benefit as a straight-life form 

of payment or to defer the commencement of future benefits until his Normal Retirement Age. 

A married Participant and Spouse at that time also will be offered the right not to receive a 

Qualified_Joint and Survivor Benefit. 

Reemployment after Termination of T otal and Permanent Disability Benefits: ln the event 

your Total and Permanent Disability Benefit is terminated under the Plan, and you retire under 

the Plan in the future, the calculation of your reinstated benefits will include any additional 

benefits earned during your period of reemployment. 

Normal Form of Benefit For Married Participants (Qualified Joint and Survivor Benefit) 

Qualified Joint and Survivor Benefit -The Qualified Joint and 50% Survivor Benefit provides 

a reduced monthly income to the Retired Participant for his lifetime, with a Survivor Benefit for 

the life of the Spouse, if surviving at the time of the Retired Participant's death, which is equal to 

fifty percent (50%) of the amount that is payable to the Retired PaJticipant. 

An optional Qualified Joint and I 00% Survivor Benefit is also available which provides a 

reduced monthly income to the Retired Participant for his lifetime, with a Survivor Benefit for 

the life of the Spouse, if surviving at the time of the Retired Participant's death, which is equal to 

one hundred percent (I 00%) of the amount that is payable to the Retired Participant. 

An optional Qualified Joint and 75% Survivor Benefit is also available which provides a reduced 

monthly income to the Retired Participant for his lifetime, with a Survivor Benefit for the life of 

the Spouse, if surviving at the time of the Retired Participant's death, which is equal to 75% of 

the amount that is payable to the Retired Participant. 

19 

36. t05 
Eligibility for Qualified Joint and Survivor Benefit: If you have a Spouse at the date of your 

retirement, your Normal or Early Retirement Benefit to which you are entitled will be payable in 

the form of a Qualified Joint and Survivor Benefit, unless both you and your Spouse elect not to 

receive your benefit in this form. 

Right of Election: Qualified Joint and Survivor Benefit: In lieu of the Qualified Joint and 

Survivor Benefit, a Participant may waive the Qualified Joint and Survivor Benefit. In order that 

each Participant may have an adequate opportunity to make an election, an election period is 

established under the Plan which in the ease of the Qualified Joint and Survivor Benefit shall 

begin no more than one hundred eighty (180) days or less than thirty (30) days prior to the 

Participant's benefit commencement date. During the election period each Participant shall have 

the right to receive a written explanation of: (a) the terms and conditions of the Qualified Joint 

and Survivor Benefit and the relative value of optional forms of benefits; (b) the Participant's 

right to make an election to waive the Qualified Joint and Survivor Benefit; (c) the right of the 

Participant's Spouse to consent to any election to waive the Qualified Joint and Survivor Benefit; 

(d) the right of the Participant to revoke such election and effect of such revocation; and (e) any 

other explanation required under Section 40 I (aX II )(E) or 417(a)(3)(A) of the Internal Revenue 

Code and any regulations thereunder. 

The Participant, with proper spousal consent, may elect to waive the thirty (30) day notice 

requirement and elect to commence benefits under this Plan at least seven (7) days after the 

explanation of benefits has been provided to them. 

Any election to waive the Qualified Joint and Survivor Benefit shall not take effect unless one of 

the following conditions is satisfied: 

A. The Spouse of the Participant consents in writing to such election, the Spouse's consent 

acknowledges the effect of such election and is witnessed by a Plan representative or a 

notary public. 

B. It is established to the satisfaction of a Plan representative that the consent required under 

sub-section (A) above may not be obtained because there is no Spouse, because the 

Spouse cannot be located, or because of such other circumstances as the Secretary of 

Treasury regulations prescribe. 

Any consent by a Spouse, or establishment that the consent of a Spouse cannot be obtained, shall 

be effective only with respect to such Spouse. 

A Participant may revoke any election previously made if made prior to the commencement of 

the payment of benefits under this Plan. The number of revocations shall not be limited. An 

election may not be revoked after payment of benefits has commenced. All elections and 

revocations must be made on the appropriate forms available from the Fund Office and shall be 

effective only upon completing, signing and filing of the fonn with the Administrative Manager. 

Amount of Qualified J oint and Survh•or Benefit: The Qualified Joint and Survivor Benefit 

provides a reduced monthly benefit that represents the actuarial equivalent of the Normal or 

Early Retirement Benefit to which the Participant is otherwise entitled. The factors needed to 

determine the reduced amount of monthly income is obtained from a Table of Factors that has 

20 

36. 106 
been prepared by the Plan actuary and is based on the age of the Participant and the Participant's 

Spouse. The amount of the monthly benefit will be calculated by multiplying the appropriate 

factor from the Table of Factors by the monthly amount of the Normal or Early Retirement 

Benefits. 

In accordance with the Qualified Joint and 50% Survivor Benefit provisions, upon the death of 

the Participant, fifty percent (50%) of the monthly benefit (or 75% or 100% of the monthly 

benefit under the optional Qualified Joint and 75% or 100% Survivor Benefit), which had been 

payable to the Participant shall be continued to the Participant's Surviving Spouse for her 

remaining lifetime. 

If the Retired Participant's Spouse should pre-decease the Retired Participant, the amount of the 

Retired Participant's benefit will be increased to the amount of the benefit that would have been 

payable if the Retired Participant had not elected the Qualified Joint and Survivor Benefit to be 

effective on the first day of the month following the Spouse's death. 

For example, if your Normal Retirement Benefit is $2,250.00 per month and you are age sixty 

two (62) and your Spouse is age sixty (60), your Qualified Joint and 50% Survivor Benefit 

would be calculated as follows: 

Normal Retirement Benefit 

Qualified Joint & 50% Survivor Benefit 

(87% factor) 

50% Spouse's Benefit 

(if surviving upon Participant's death) 

$2,250.00/month 

$1 ,957.50/month 

(Retired Participant's Benefit) 

$978. 75/month 

(50% of$1,957.50) 

If your Spouse should pre-decease you, your benefit would be increased to $2,250.00 per month 

for your remaining lifetime, to be effective on the first day of the month following your Spouse's 

death. 

for Retired Participants who have elected the optional Qualified Joint and 75% Survivor Benefit, 

your Qualified Joint and 75% Survivor Benefit would be calculated as follows based on your age 

of sixty-two (62) and your Spouse's age of sixty (60): 

Normal Retirement Benefit 

Qualified Joint & 75% Survivor Benefit 

(81% factor) 

50% Spouse's Benefit 

(if surviving upon Participant's death) 

$2,250.00/month 

$1 ,822.50/month 

(Retired Participant's Benefit) 

$1 ,366.88/month 

(75% of$1 ,822.50) 

If your Spouse should pre-decease you, your benefit would be increased to $2,250.00 per month 

for your remaining lifetime, to be effective on the first day of the month following your Spouse's 

death. 

2 1 

36.107 
For Retired Participants who have elected the optional Qualified Joint and I 00% Survivor 

Benefit, your Qualified Joint and I 00% Survivor Benefit would be calculated as follows based 

on your age of sixty-two (62) and your Spouse's age of sixty (60): 

Nonnal Retirement Benefit 

Qualified Joint & I 00% Survivor Benefit 

(76% factor) 

100% Spouse's Benefit 

(if surviving upon Participant's death) 

= 

= 

= 

$2,250.00/month 

$1,71 0.00/month 

(Retired Participant's Benefit) 

$1,710.00/month 

(100% of$1,710.00) 

If your Spouse should pre-decease you, your benefit would be increased to $2,250.00 per month 

for your remaining lifetime, to be effective on the first day of the month following your Spouse's 

death. 

Commencement of Qualified Joint and Survivor Benefit: You will become entitled to receive 

your Qualified Joint and Survivor Benefit effective as of the first day of the month next 

following the receipt of your application by the Trustees. 

All monthly benefits under the Qualified Joint and Survivor Benefit provisions will continue for 

the lifetime of the Participant, with the last payment to be made on the first day of the calendar 

month preceding the Participant's death. Monthly benefits will be continued thereafter to the 

Spouse in accordance with the Plan provisions. 

Note: Your Qualified Joint and Survivor Benefit may not exceed the maximum benefit allowed 

by law. 

DeJatb Benefits 

Qualified Pre-retirement Survivor Benefits: 

A. If you have reached age fifty-live (55) and completed at least five (5) Years of Service 

prior to your death, a death benefit will be payable to your Surviving Spouse as of the 

first day of the month following receipt of application by the Trustees, with payment to 

be made retroactive to the first day of the month following the date of your death. 

The benefits payable to your Surviving Spouse will be equal to the amount which she 

would have received had you retired under the Qualified Joint and SO% Survivor Benefit 

on the day before the date of your death. Payment of such benefit to the Surviving 

Spouse shall commence on the earliest date on which, under the Plan, the deceased 

Participant could have elected to receive benefits and should be paid monthly thereafter, 

ceasing with the month in which the death of such spouse occurred. 

B. If you are a Vested Participant with at least five (S) Years of Service and you die prior to 

attaining age fifty-five (55), a Qualified Pre-retirement Survivor Benefit will be payable 

to your Surviving Spouse. The Qualified Pre-retirement Survivor Benefit is equal to the 

benefit that would have been paid to your Spouse under the following circumstances: 

22 

36.108 
i. You had separated from Service on the date of your death; 

u. You had survived to the first day of the month after your attainment of age fifty-five 

(55); and 

iii. You had commenced receiving payments under the Qualified Joint and 50% Survivor 

Benefit provisions on the first day of the month after your attainment of age fifty-five 

(55) and then immediately died. 

Payment of such benefit to the Surviving Spouse shall commence on the earliest date on 

which, under the Plan, the deceased Participant could have elected to receive benefits and 

should be paid monthly thereafter, ceasing with the month in which the death of such 

spouse occurred. 

C. Effective May I, 2009, for any Pre-Retirement Death Benefit that has not yet commenced 

and coverage has not been waived, a charge will be implemented for such coverage that 

entitles the surviving spouse to receive 50% of your Joint and Survivor Benefit for the 

rest of her lifetime. Such coverage may be maintained with a reduction in benefits for 

eacn month the coverage is in eJTect. 

The reduction in a Participant's monthly benefit will depend upon the Participant's age at 

which he elects coverage and the number of months he chose to be covered. The 

following table provides the cost of the Pre-Retirement Death Benefit coverage: 

Cost of Pre-Retirement Death Benefit Coverage 

Age Range 

3544 

45-49 

50-54 

55-59 

60-65 

Percent Reduction in Accrued Benefit Per 

Month Covered Within Age Range 

0.002% 

0.004% 

0.008% 

0.017% 

0.045% 

Effective May I, 2009 a Participant's monthly benefit shall be reduced to cover the cost of 

providing the Pre-Retirement Death Benefit for each month the benefit coverage is in effect. 

To elect out of the Pre-Retirement Death Benefit the Participant must follow the election 

waiver rules, including wrinen spousal consent, under ERISA Section 205(c) and any 

applicable regulation. The Participant may reinstate the Pre-Retirement Death Benefit at 

anytime. 

D. Actuarial Equivalent of Death Benefit: Notwithstanding the foregoing provisions of this 

Article, if the Actuarial Equivalent of the Pre-Retirement Death Benefit does not exceed 

23 

36.109 
Five Thousand Dollars ($5,000.00) and the death of the Participant has occurred after 

August22, 1984, the Acruarial Equivalent may, at the discretion of the Board ofTrustees, 

be paid to the surviving Spouse/Beneficiary. 

Note: Under the Unemployment Compensation Act, the Plan is required to withhold twenty 

percent (20%) of federal income tax from benefits paid to a Surviving Spouse of a deceased 

Participant in the form of Pre-retirement Death Benefits unless the payments are made over the 

life expectancy of the Surviving Spouse, such as the Survivor Benefit described in Items A and B 

of this section. 

In general, the twenty percent (20%) withholding requirement applies also to former Spouses 

who are "Alternate Payees". An individual is an Alternate Payee if the Payee's interest in the 

Plan results from a Qualified Domestic Relations Order, which is an order issued by a court 

usually in connection with a divorce or legal separation. 

Distributions under the Plan to individuals other than the Participant's Spouse (or former Spouse 

as an Alternate Payee) do not constitute eligible rollover distributions under this Plan and are 

therefore not subject to the twenty percent (20%) mandatory income tax withholding 

requirements. 

Post-retirement Death Benefits: 

(A) If a Participant dies af\er receiving at least one monthly benefit from the Plan, the 

Death Benefit shall be dependent upon the form of benefit which had been 

received by the Participant prior to his/her death. 

(B) If the Participant was receiving one of the Qualified Joint and Survivor Benefits, 

the surviving Spouse to whom the deceased Participant was married upon the 

commencement of his/her benefits shall receive monthly benefits for life in an 

amount equal to the percentage of the amount which had been elected by the 

Participant and Surviving Spouse. Such benefits shall commence as of the first 

day of the month coincident with or next following the Participant's death, and 

shall terminate in the month in which the Spouse's death occurs. If such Spouse 

has predeceased the Participant, no f-urther benefits shall be payable. 

(C) If the Participant retired prior to May I, 2009 and was receiving a lifetime 

monthly benefit and his/her death occurs prior to the receipt of sixty (60) monthly 

payments under the Plan, the Beneficiary shall receive the remainder of the 

payments, commencing as of the first day of the month following the month in 

which the Participant's death occurred, and payable as of the first day of each 

subsequent month until 60 monthly payments have been made to the deceased 

Participant and to the Beneficiary in the aggregate. If the deceased Participant 

had received at least 60 monthly benefits as of the date of death, no Death 

Benefits shall be payable. 

24 

36. 11 0 
(0) If the Participant retired on or after May 1, 2009 the death benefit shall depend upon 

whether or not the Participant has elected the 60 month guarantee with a monthly 

reduction in benefit pursuant to Section 3.3, Section 4.3 or Section 5.9. 

(E) Actuarial Equivalent of Death Benefit. Notwithstanding the foregoing provisions of 

this Article, if the Actuarial ('.qui valent of the Post-Retirement Death Benefit does 

not exceed five thousand dollars ($5,000.00) and the death of the Participant bas 

occurred after August 22, 1984, the Actuarial Equivalent may, at the discretion of 

the Board ofTrustees, be paid to the surviving Spouse/Beneficiary in a lump sum. 

Beneficiary Designation: If you are married at the time of your death, your Spouse will be 

considered to be your Beneficiary unless your Spouse has consented in writing to a Non-Spouse 

Beneficiary and the consent has been witnessed by a Plan representative or by a notary public. If 

you are not married, you may designate any person as your Beneficiary, but you must do so on a 

form supplied by the Board of Trustees. 

If you die without designating a Beneficiary, the Death Benefit, if any, will be paid to your legal 

Spouse, if any. If your legal Spouse has pre-deceased you, or has ceased to be your legal 

Spouse, the death benefit will be paid to your legal child or children, in equal shares. If no legal 

Spouse or legal child/children is alive, the Death Benefit will be paid to the Executor or 

Administrator of your Estate. 

Right of Election - Qualified Pre-retirement Survivor Benefit: The election period during 

which you an your Spouse may waive the Qualified Pre-retirement Survivor Benefit begins on 

the first day of the Plan Year in which you auain age thirty-five (35) and ends on the date of your 

death. The Plan is required to provide a notice to Participants regarding their rights to decline a 

Qualified Pre-retirement Survivor Benefit before the applicable election period. This notice is to 

be provided within the period beginning on the first day of the Plan Year in which the Participant 

attains age thirty-two (32) and ends with the close of the Plan Year preceding the Plan Year in 

which the Participant attains age thirty-five (35). The notice is comparable to the notice required 

with respect to the Qualified Joint and Survivor Benefit. 

Application for Death Benefits: No death benefits payable under this Plan will be made to any 

Participant's Beneficiary(ies) unless application for the benefit is made within twelve ( 12) 

months after the date of the Participant's death. The Trustees may in any cases where the 

circumstances appear to warrant such action liberalize the foregoing requirement. 

Distributions by Reason of Participant's Death: In the event of the Participant's death 

occurring after his benefit distribution has commenced but before the entire benefit has been 

paid, the remaining portion of the benefit will be distributed at least as rapidly as under the 

method of distribution being utilized as of the date of death. 

If the Participant dies before distribution of his or her interest begins, distribution of the 

Participant's entire interest shall be completed by December 31 of the calendar year containing 

the fifth anniversary of the Participant's death except to the extent that an election is made to 

receive distributions in accordance with (A) or (B) below: 

25 

36.tt l 
A. if any portion of the Participant's interest is payable to a designated Beneficiary, 

distributions may be made over the life or over a period certain not greater than the life 

expectancy of the designated Beneficiary commencing on or before December 31, of the 

calendar year immediately following the calendar year in which the Participant died; and 

B. if the designated Beneficiary is the Participant's Surviving Spouse, the date distributions are 

required to begin in accordance with (a) above shall not be earlier than the later of (I) 

December 31, of the calendar year immediately following the calendar year in which the 

Participant died and (2) December 31 of the calendar year in which the Participant would 

have attained age 70 Y,, 

If the Participant has not made an election pursuant to this Section by the time of his or her death, 

the Participant's designated Beneficiary must elect the method of distribution no later than the 

earlier of (I) December 31 of the calendar year in which the distributions would be required to 

begin under this section, or (2) December 31 of the calendar year which contains the fifth 

anniversary of the date of death of the Participant. If the Participant has no designated Beneficiary, 

or if the designated Beneficiary does not elect a method of distribution, di: !ribution of the 

Participant's entire interest must be completed by December 31 of the calendar year containing the 

fifth anniversary of the Participant's death. 

Forfeiture of Non-mandatory Dc~th Benefits: Your performance of Non-covered Brick and 

Masonry employment within the Same Geographic Area on or after May I, 1994 will result in 

the loss of eligibility for non-mandatory death benefits. 

Deferred Vested Benefits 

Eligibility for Vested Benefit: You will be eligible to apply for a Vested Benefit if you are no 

longer employed by an Employer within the jurisdiction of the Fund and provided you are vested 

according to the schedule below. If you meet these eligibility requirements upon termination, 

you will be vested in a specific percentage of your Accrued Benefit as noted in the schedule. 

Your Vested Benefit will be payable when you reach your Early or Normal Retirement Age 

based on the Plan provisions and the Future Service Crediting rate in effect on the date you were 

Last considered to be an Active Participant of the Plan. 

Years of Service Required for Vesting: 

A. If you are covered by a Collective Bargaining Agreement, have at least one Hour of 

Service on or after May I, 1997, and have at least five (5) Years of Service, you will be 

one hundred percent (I 00%) vested in your Accrued Benefit. 

B. If you are covered by a Collective Bargaining Agreement, have not had at Least one Hour 

of Service on or after May I, 1997, and have earned at least five (5) Years of Service, 

you will be vested in the following specific percentage of your Accrued Benefit: 

Y cars of Service 

5 Years but less than 6 

6 Years but less than 7 

26 

36.112 

Percent of Accrued Benefit 

50% 

60% 
7 Years but less than 8 

8 Years but less than 9 

9 Years but less than I 0 

10 Years or more 

70% 

80% 

90% 

100% 

C. If you are not covered by a Collective Bargaining Agreement, in order to be vested, you 

must earn at least five (5) Years of Service and have at least one (I) Hour of Service after 

May I, 1989. 

When A Participant Returns To Work: In the event a Participant returns to employment with 

an Employer before benefit payments commence, then additional Service will be credited on his 

behalf from the date he returns to employment and Employer Contributions rue again made on 

his behalf. 

In the event a Terminated Vested Participant subsequently returns to employment with an 

Employer before benefit payments commence, the Plan provisions in effect after the Terminated 

Vested Participant returns to covered service shall apply to all service earned after his return to 

covered service. 

27 

36.113 
V. COMMENCEMENT OF BENEFITS AFfER NORMAL RETIREMENT AGE 

Generally, if you have retired from Covered Employment under the Plan, your benefits must 

commence no later than sixty (60) days following the close of the Plan Year that contains your 

Normal Retirement Age. If you become eligible for Normal Retirement and do not apply for 

your bene lit by the 60th day after the close of the Plan Year during which you become eligible, 

the Fund Office will notify you of your eligibility. 

If you elect to continue working beyond your Normal Retirement Age, you will not receive 

retirement benefits during the period you are working. 

When a Participant who continues to work after his Normal Retirement Age and thereafter 

decides to retire, his Normal Retirement Benefit will be determined in accordance with regular 

Plan provisions. Such provisions give benefit credit for all work performed under the Plan prior 

to actual retirement. Benefit credit is earned for work performed both before and after Normal 

Retirement Age. There is a minimum monthly benefit at your late retirement age equal to the 

Actuarial Equivalent value of your Accrued Benefit earned as of your Normal Retirement Age. 

Required Minimum Distribution: Regardless of whether or not you continue working, after 

your Normal Retirement Age, the law requires you to begin receiving your pension payments by 

April I" following the calendar year in which you attain age seventy and one-half (70 Y.). 

1-lowever, once you reach age seventy and one-half (70 V.), unless you are a five percent (5%) 

owner of an Employer, you will generally not be required to commence receipt of benefits until 

you stop working. However, you still have the option of beginning to receive payments 

beginning on April I" following the close of the calendar year in which you reach age seventy 

and one-half(70 \/,),even if you continue working. 

28 

36. 114 
VI. MAXIMUM BENEFIT LIMITS 

Current provisions of federal income tax laws (known as Section 415 limitations) provide 

for maximum annual benefit limits. These rules may restrict the benefit to which you 

would be entitled under the Plan's benefit provisions. 

Generally, you cannot receive a monthly pension payment that exceeds the federal limit on the 

dollar amount of your benefit. This dollar limit varies depending on your year of birth, age at 

pension commencement and year of retirement. IF YOUR EARNED BENEFIT EXCEEDS 

THIS LIMIT, YOUR BENEFIT MUST BE REDUCED. 

An accurate calculation of your maximum benefit limit cannot be done until you retire. 

However, an approximate preliminary determination can be made prior to your retirement. If 

you wish to have this preliminary calculation made, please contact the Fund Office. The Fund 

Office is not required to provide this estimate more often than on an annual basis. 

29 

36.11 5 
VII. TAXATION OF BENEFIT PAYMENTS 

Your pension benefits are subject to federal (and possibly state) income taxes. Under federal 

law, income tax will be withheld automatically, unless you elect otherwise in writing. You will 

be sent an income tax form on which you may elect or reject the automatic withholding of taxes 

at the time your benefit application is received. You may also use this form to specify an amount 

other than the mandatory amount to be witlilield. If, during the year, you should wish to change 

your election for the witliliolding of income tax, please contact the Fund Office. 

If you receive a lump-sum distribution that is not rolled over to another tax-qualified plan or an 

individual retirement account (IRA), the payment will be subject to a mandatory twenty percent 

(20%) witliliolding and possibly other IRS penalties. 

30 

36.116 
VIII. SUSPENSION OF BENEFITS 

If you are receiving any of the following types or forms of payment: 

A. Normal Retirement Benefit 

B. Early Retirement Benefit 

C. Deferred Vested Benefit (as provided under Normal or Early Retirement or as paid as a 

50%, 75% or I 00% Qualified Joint and Survivor Benefit) 

your benefit shall be suspended at such time as all of the conditions set forth below are met: 

Conditions: 

A. You are reemployed for forty (40) or more hours during any four (4) or five (5) week 

payroll period which falls within the calendar months of November through April in the 

Same Industry, Trade or Craft within the Same Geographical Area. 

1. The Same Industry is defined as returning to work within the Brick and Mason 

Industry as defined in the Collective Bargaining Agreement. 

ii. The Same Trade or Craft is defined as the trade or craft from which you were 

employed at any time during your participation in the Plan and includes any 

supervisory or managerial activity that is reasonably related to the underlying skills 

associated with the trade or craft for which you were trained or in which you acquired 

your work experience. 

iii. The Same Geographic Area is defined as the State of Ohio and portions of those 

states located as a part of a Standard Metropolitan Statistical Area, as defined by the 

U.S. Census Bureau. 

Notification and Presumption: You are required to notify the Fund Office at such time as you 

become reemployed under the conditions set forth hereinbefore. In the event that you fail to 

comply with the Plan's notification requirements (by filing a Notice of Return to Work form), the 

Trustees may act on the basis of a presumption that you have exceeded the hours of 

reemployment allowable. Your benefit will be suspended immediately; and you will be notified 

accordingly. The Trustees shall have the right to apply the suspension retroactively to the 

initiation of work by your Employer at the job site. The Trustees may, in addition, request 

information from you concerning your reemployment activity, including tax withholding 

statements in any given period related to the suspected reemployment and any other reasonable 

information for the purpose of verifying such employment. 

Upon application of the Presumption Rule, you shall be given the opportunity to come forward at 

a Suspension Review Proceeding and demonstrate that, in fact, you did not work the minimum 

number of hours of relevant service for the period in which your benefits were suspended. 

31 

36. 117 
Advance Determination: You shall have the right to request that an advance determination be 

made concerning the effect your reemployment will have on your retirement benefits. You must 

submit your request to the Fund Office on an appropriate form approved and provided by the 

Trustees and in accordance with the procedures established by the Trustees. 

Resumption of Benefits: You may request resumption of your benefits at such time as you no 

longer meet the conditions of reemployment, as previously stated in this section. You must 

submit your request for resumption of your benefit on a form approved and provided by the 

Trustees. 

Recovery of Overpayments: In the event that payments have been issued to you for any period 

during which your benefit should have been suspended, you shall be liable for the full amount of 

any overpayment(s). The manner and amount of the recovery of the overpayment(s) shall be 

provided to you in the Suspension Notice furnished to you at ~uch time as your benefit is 

suspended. 

Reinstatement of Retirement Benefits: Upon your termination of reemployment which resulted 

in the suspension of your retirement benefits, providing you have given the Fund Office a request 

for the resumption of your benefit on an appropriate form as approved and furnished by the 

Trustees, your retirement benefit shall be resumed on the first day of the calendar month 

following the receipt of the required notice, as follows: 

NORMAL RETIREMENT BENEFIT - lf you were receiving a Normal Retirement 

Benefit at the time of the suspension of your benefit, the reinstated benefit shall be in the 

amount you were receiving prior to the suspension of your benefit, in addition to any 

amount realized for service resulting from such reemployment. 

EARLY RETIREMENT BENEFIT - If you were receiving an Early Retirement Benefit 

at the time of the suspension of your benefit, the reinstated benefit shall be in the amount 

you were receiving prior to the suspension of your benefit, plus any amount realized for 

service resulting from such reemployment, reduced by the Early Retirement factor 

applicable to your current age. 

DEFERRED VESTED BENEFIT - If you were receiving a Vested Benefit at the time of 

the suspension of your benefit, the reinstated benefit shall be in the amount as determined 

under the applicable type of retirement benefit you were receiving prior to the suspension 

of your benefit. 

Non-violation of Mandatory Commencement: The Plan's Suspension of Benefit Rules will not 

be applied in such a manner as to violate the rules related to mandatory commencement of your 

benefits. In particular, if you are working in Covered Employment, the required minimum 

distribution will not be suspended beginning with the April I" payment following the close of 

the Plan Year in which you attain age seventy and one-half (70 Y,). Any amount above the 

required minimum distribution will be suspended during the period that you are working in 

Covered Employment. 

32 

36.1t8 
IX. NON-COVERED BARGAINING-UNIT EMPLOYMENT SANCTIONS 

The following non-covered bargaining-unit sanctions will be applied with respect to Participants 

who terminate their status as Employees covered under a Collective Bargaining Agreement 

and/or perform bargaining-unit work outside the scope of the Collective Bargaining Agreement. 

PAST SERVICE BENEFITS - Any non-bargaining unit work in the industry on or after May I, 

1994, will result in the loss of eligibility for Past Service Benefits. 

DISABILITY BENEFITS - Any non-bargaining unit work in the Industry on or after May I, 

1994, will result in the loss of eligibility for Disability Benefits. 

PRE-RETIREMENT DEATH BENEFITS - Any non-bargaining unit work in the Industry on or 

after May I, 1994 will result in the loss of eligibility for non-mandatory death benefits. 

33 

311.119 
X. MISCELLANEOUS INFORMATION 

A. Non-assignment of Benefits/Qualified Domestic Relations Orders (QDRO's): 

Generally, your pension benefits are not assignable. You cannot borrow on them and 

your creditors may not attach them. However, as part of a divorce settlement, a court 

may assign part or all of your benefits to an "Alternate Payee" (generally your former 

Spouse and/or dependent children) through a Qualified Domestic Relations Order 

(QDRO). The Trustees must honor the terms of any valid QDRO which is submitted to 

them. You may obtain a copy of the Fund's procedures concerning QDROs by sending 

in a written request to the Fund Office. 

B. Your Pension Plan is subject to economic and mortality fluctuations; however, every 

possible effort will be made by the Trustees to make certain that the maximum benefits 

which are actuarially allowable will be paid. Actuarial calculations will be made under 

the Plan on an annual basis to assure a smooth flow of benefits and establishment of 

adequate reserves. 

C. It is intended that at all times this Plan will be fully qualified by the Director of Internal 

Revenue and authority has been given to the Trustees to amend or change the terms and 

provisions of the Trust Agreement and/or Pension Plan as may be required to maintain 

this qualified status. 

D. A Participant may not receive more than one type of benefit at the same time except that 

a Participant may receive a benefit as the Spouse or the Beneficiary of a deceased 

Participant. 

E. The amount of all benefits payable under this Plan will be calculated according to the 

provisions of the Pension Plan in effect at the time the Vested Participant separates from 

all employment with all Employers. A Vested Participant will be considered to have 

separated from all employment with all Employers when he fails to accrue at least one 

Year of Service out of h¥0 (2) consecutive Plan Years. 

f. The Trustees shall have full discretionary authority to determine eligibility for benefits or 

to construe the terms of the Plan and may adopt rules and regulations thereto. The 

decisions of the Trustees in all matters pertaining to the administration of the Trust shall 

be final. The Board of Trustees, as the administrator of the Plan and Trust, shall have 

complete control of the administration of the Plan and Trust, subject to the provisions 

hereof, with all powers necessary to enable it to properly carry out its duties in that 

respect. Not in limitation, but in amplification of the foregoing, the Tnastees shall have 

full authority and discretion to construe, interpret and apply all provisions of the Trust 

and Plan to determine all questions that may rise hereunder, including all questions 

relating to the eligibility of Participants to participate in the Plan, the amount of any 

benefit to which any Participant, Beneficiary, Spouse, or contingent annuitant may 

become entitled hereunder and to detem1ine all appeals subsequent to any determination 

upon application for benefits. Specifically, the Trustees shall have full and complete 

authority and discretion to make any determinations or findings of fact regarding any 

34 

36.1 20 
claims and appeals of any benefit detenninations. Its decision upon all maners within the 

scope of its authority shall be final. 

35 

36.121 
XI. HOW TO APPLY FOR BENEFITS 

General Information 

If you believe you are eligible to receive any type of benefit from this Plan, you should first 

contact the Fund Office and obtain a benefit application. 

You must file an application for benefits on the form approved by the Board of Trustees and 

once you complete the application it should be returned to the Fund Office along with proof of 

your age (birth certificate, baptismal record, passport, etc.). If you arc a married Participant, 

during the application process, the Fund Office will provide you with an explanation of the 

QJSA. 

Applying for Retirement Benefits 

A written application for retirement benefits must be filed at least thirty days prior to the date 

you wish to retire. You must provide all of the requested documentation along with the 

completed and signed application before your claim for benefits will be considered. 

In some cases, the Administrative Manger may need additional information in order to make a 

determination on your claim for benefits. If you are asked to provide more information, you will 

have to respond to the request in order to be considered for retirement benefits. 

You will receive a decision on your application for retirement benefits within ninety (90) days 

from the date the Fund receives your completed application. 

Applving for Disabilitv Benefits 

A written application for disability benefits must be filed as soon as you meet the eligibility 

requirements and wish to commence Disability Benefits. You must provide all of the requested 

documentation along with the completed and signed application before your claim for benefits 

will be considered. 

In some cases, the Administrative Manager may request that you submit to an independent 

medical review to determine whether you are eligible for a disability retirement benefit. You 

must submit to this medical review, if requested. The cost of this review will be paid by the 

Fund. 

You will generally receive a decision regarding your claim for disability benefits within 45 days 

of the date you file your completed application. The Plan may delay making a decision for two 

additional thirty-day periods provided you are given notice in advance of that extension. 

Applying for Death Benefits 

A written application for a death benefit must be filed by the Beneficiary prior to the date he 

wishes to receive the distribution. He must provide all of the requested documentation including 

a certified copy of the death certificate along with the completed and signed application before 

the claim for benefits will be considered. 

36 

36.122 
In some cases, the Administrative Manger may need additional information in order to make a 

determination on the application for benefits. If the Beneficiary is asked to provide more 

information, he will have to respond to the request in order to be considered for the death benefit. 

The Beneficiary will receive a decision on his/her application for the death benefit within ninety 

(90) days from the date the Fund receives the completed application. 

If the Beneficiary's application is approved, he will receive a notice stating the a.-nount and 

duration of the benefit. 

Notice of Adverse Determination 

Should the Administrative Manager find that you are not entitled to the requested benefit, you 

will be provided with a written notice of the denial. This notice will include the following 

important information: 

A. The specific reason for the denial; 

B. The sections in the Plan and/or Summary Plan Description upon which the denial was 

based; 

C. A description of additional information which you may be able to provide that is 

necessary for your application for benefits and why it is necessary; 

D. A copy of these procedures which describe the Plan's appeals procedures; 

E. The notice of any internal guideline or protocol used in making the decision, if 

applicable, and your right to receive a copy; and 

F. A notice of your right to a written explanation of any exclusion which affects your 

application, if applicable. 

G. Notice of your right to appeal to the Board of Trustees. 

Procedure for filing an Appeal with the Board of Trustees 

You must file a written notice that you wish to appeal the denial of your application for benefits. 

This written notice must be received by the Fund Office within sixty (60) days from the date of 

the Notice of the Adverse Benefit Decision. If you are appealing an Adverse Benefit Decision 

based upon a request for Disability Benefits, you must provide notice to the Plan Office within 

one hundred eighty (180) days of the date of the Notice of the Adverse Benefit Decision. Your 

written notice of appeal must include your name, current address and the date of the decision you 

are appealing. You may also send any comments, documents or other information you feel will 

assist the Trustees in making a decision on appeal. You have the right to request copies of any 

documents relevant to your application for benefits free of charge from the Plan. 

37 

36.123 
An appeal must be addressed as follows: 

Bricklayers & Allied Craftsmen Local No. 7 Pension Fund 

c/o Compensation Programs of Ohio, Inc. 

33 Fitch Boulevard 

Austintown, OH 44515 

(800) 435-2388 

Your appeal of an adverse benefit determination on your application for benefits will be considered 

by the Board of Trustees no later than at its regular quarterly meeting, which immediately follows 

the receipt of the notice of appeal, unless such notice was filed within thirty (30) days preceding the 

date of such meeting. If the notice of appeal was received within thirty (30) days prior to the next 

regular quarterly meeting, the Board of Trustees may consider the appeal at the second regular 

quarterly meeting following the rece ipt of the notice of appeal. In the case of a Disability 

Retirement Benefit application the Board of Trustees shall consider such an appeal within forty five 

( 45) days following receipt of the appeal. 

You will receive written notice of this decision by the Trustees, within five (5) days of the 

meeting. In the event that your appeal is denied, you will receive a Notice of the Adverse Benefit 

Decision on Appeal which includes the following important information: 

A. The specific reason for the denial; 

B. The sections in the Plan and/or Summary Plan Description upon which the denial was 

based; 

C. A statement advising you any internal guideline or protocol used in making the decision, 

if applicable, and your right to receive a copy; 

D. A notice of your right to a \Yritten explanation of any exclusion which affects your claim, 

if applicable; 

E. A notice of your right to file suit under Section 502(a) of ERISA; and 

F. The following statement: "You and your plan may have other voluntary alternative 

dispute resolution options, such as mediation. One way to find out what may be available 

is to contact your local US Department of Labor Office and your State insurance 

regulatory agency." 

This plan does not offer any voluntary arbitration provisions. The decision of tht Board of 

Trustees under this procedure is final and binding upon the parties. You must exhaust this claim 

procedure prior to having the claim reviewed through any other means, including litigation. 

If you have any questions regarding the tiling of a c laim for benefits under this procedure, please 

contact Compensation Programs of Ohio, Inc., the Administrative Manager, at (800) 435-2388. 

36.124 
XII. STATEMENT OF YOUR IUGHTS UNDER ERISA 

ERISA stands for the Employee Retirement Income Security Act which was signed into law in 

1974. 

This federal law establishes certain minimum standards for the operation of employee benefit 

plans, including the Bricklayers & Allied Craftsmen Local No. 7 Pension Plan. The Trustees of 

your Plan, in consultation with their professional advisors, have reviewed these standards 

carefully and have taken steps necessary to assure full compliance with ERISA. 

ERISA requires that Plan Participants and Beneficiaries be provided with certain infonnation 

about their benefits, how they may qualify for benefits and the procedures to follow when filing 

a claim for benefits. This inforn1ation has already been presented in the preceding pages of this 

SPD. 

ERISA also requires that Participants and Beneficiaries be furnished with certain infonnation 

about the operation of the Plan and about their rights under the Plan. 

READ THIS SECTION CAREFULLY. Only by doing so can you be sure that you have the 

infom1ation you need to protect your rights and your best interests under this Plan. 

A. ERISA provides that all Plan Participants shall be entitled to: 

1. Examine, without charge, at the Fund Office and at other specific locations, such as 

worksites and Union halls, all documents governing the Plan, including insurance 

contracts and Collective Bargaining Agreements and a copy of the latest annual report 

(fom1 5500 Series) filed by the Plan with the U.S. Department of Labor and available 

at the public disclosure room ofthe Pension and Welfare Benefit Administration. 

ii. Obtain, upon written request to the Administrative Manager or Board of Trustees, 

copies of documents governing the operation of the Plan, including insurance 

contracts and Collective Bargaining Agreements and a copy of the latest arulUal report 

(Form 5500 Series) and updated Summa1y Plan Description. The Administrative 

Manager may make a reasonable charge for the copies. 

iii. Receive a summary of the Plan's annual financial report. The Administrative 

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

Annual Report. 

iv. Obtain a complete list of employers sponsoring the Plan upon written request to the 

Administrative Manager which list is available for examination by Participants and 

Beneficiaries. 

v. In addition, Participants and Beneficiaries may obtain from the Administrative 

Manager, upon written request, information as to whether a particular employer or 

employee organization is a sponsor to the Plan and if the employer or employee 

organization is a plan sponsor, the sponsor's address. 

39 

36. 125 
vi. Obtain a statement telling you whether or not you have a right to receive a pension at 

Normal Retirement Age and, if so, the amount of your Normal Retirement Benefit. If 

you do not have a right to a pension, the statement will tell you the number of years 

you have to work to be eligible to receive a pension. This statement must be 

requested in writing and is not required to be given more than once per year. 

B. In addition to creating rights for Plan Par1ieipants, ERISA imposes duties upon the people 

who are responsible for the opemtion 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 Par1icipants and Beneficiaries. 

C. No one, including your Employer, your union, or any other person, may fire you or 

otherwise discriminate against you in any way to prevent you from obtaining a pension 

benefit to which you may be entitled, or exercising your rights under ERISA. 

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

have the 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. 

E. 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 thirty (30) days, you may file suit in Federal court. In such a case, 

the court may require the Plan Administrative Manager 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 Administrative Manager. If you have a 

claim for benefits which is denied or ignored, in whole or in part, you may file suit in a 

state of Federal ~ourt. In addition, if you disagree with the Plan's decision or lack the.reof 

concerning the qualified status of a domestic relations order or a medical child support 

order, you may file suit in 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. The court will decide who should pay court costs and legal fees. If you are 

successful the court may order the person you have sued to pay these costs and fees. If 

you lose, the court may order you to pay these costs and fees, for example, if it finds your 

claim is liivolous. 

F. If you have any questions about your Plan, you should contact the Plan Administrative 

Manager or the Board of Trustees. If you have any questions about this statement or 

about your rights under ERISA, or if you need assistance in obtaining documents from 

the Trustees, you should contact the nearest area office of the U.S. Labor-Management 

Services Administration, Department of Labor or the Pension and Welfare Benefits 

Administration, whose offices are located at: 

1730 K Street 

Suite 556 

Washington, DC 2006 

Tel: (202) 254-7013 

40 

3C\. 12C\ 
Or 

1885 Dixie Highway 

Suite 210 

Ft. Wright, Kentucky 41011-2664 

Tel: (606) 578-4680 

Or 

Division of Technical Assistance and Inquiries 

Employee Benefits Security Administration 

U.S. Department of Labor 

200 Constitution Avenue, N.W. 

Washington, D.C. 202!0 

4! 

36.127 
XJII. ADDITIONAL INFORMATION REQUIRED BY ERISA 

A. Name of Plan: Bricklayers & Allied Craftsmen Local No.7 Pension Plan. 

B. Plan established and maintained by: Board of Trustees, Bricklayers & Allied Craftsmen 

Local No. 7 Pension Fund, c/o Compensation Programs of Ohio, Inc., 33 Fitch 

Boulevard, Austintown, Ohio 44515 (telephone: (330) 270-0453 or (800) 435-2388). 

C. Sponsoring Employers: Upon written request to the Fund Office, you may receive 

information as to whether a particular Employer is a sponsor of this Plan. If he is, the 

Fund Office will furnish his address. 

D. Employer Identification Number (EIN): 34-6666798 

E. Plan Number: 00 l 

F. Type of Pension Plan: The Bricklayers & Allied Craftsmen Local No. 7 Pension Plan is 

referred to as a Defined Benefit plan. This means that the dollar amount of benefits 

provided is based on either Years of Service or the amount of contributions paid on 

behalf of the Participant. 

The exact dollar amount of the contributions is determined by collective bargaining between 

the Union and the Employers. The level of benefits is determined actuarially considering 

contribution income, mortality rates, turnover of Employees, general economic conditions 

and other factors affecting fund income and costs. Actuarial valuations are performed by the 

enrolled actuaries retained by the Trustees on the Participant's behalf. Cost projections and 

determining benefit levels are done in consultation with the actuary. Although the Trustees 

and professional advisors make every effort to fix benefit levels accurately, benefit levels are 

subject to adjustments depending on changes in economic conditions, results of collective 

bargaining and other necessary changes related to actuarial assumptions. 

G. Type of Administration of the Plan: Although this Plan technically is administered and 

maintained by the Joint Board of Trustees for the Bricklayers & Allied Craftsmen Local 

No. 7 Pension Plan, the Trustees have delegated certain administrative functions to a 

professional administrator, who is known as the Administrative Manager. Address all 

communications with the Board of Trustees to: 

Board of Trustees 

Bricklayers & Allied Craftsmen Local No. 7 Pension Fund 

c/o Compensation Programs of Ohio, Inc. 

33 Fitch Boulevard 

Austintown, OH 44515 

Telephone: (330) 270-0453 or (800) 435-2388 

H. Agent for Service of Legal Process: Service of legal process may be made upon Timothy 

P. Piatt, Maca Ia & Piatt, LLC, 60 I S. Main SL, North Canton, Ohio 44 720. 

Service oflegal process may also be made upon the Board of Trustees or any individual Trustee. 

42 

36. 128 
I. Name, Title and Address of Principal Place of Business of Each Trustee: 

Management Trustees 

Thomas Brown 

758 McCauley Road 

Stow, Ohio 44224 

Robert Cailor 

United Construction Systems, Ltd 

1920 South Main Street 

Akron, Ohio 44301 

Michael Rohr 

GMR Builders, Inc. 

4183 Beaumont Ave NW 

Massillon, Ohio 44647 

Union Trustees 

Anthony Gradishcr 

1095 Shannon Ave. 

Barberton, Ohio 44203 

Douglas Marketich 

6318 S. Main SL 

Clinton, Ohio 442 16 

Bruce Vance 

1539 Broad Boulevard 

Cuyahoga Falls, Ohio 44223 

J. Collective Bargaining Agreement: This Plan is maintained pursuant to a Collective 

Bargaining Agreement between the Bricklayers & Allied Craftsmen Local No. 7 Pension 

Fund and the various participating Employers. You may obtain a copy of the Collective 

Bargaining Agreement by v.Titing to the Plan Administrative Manager, or you may 

examine it at the Fund Office. 

K. Sources of Contributions: This Plan is funded through contributions by the Employers on 

behalf of their Employees, under the terms of a Collective Bargaining Agreement, and by 

investment ineome earned on a portion of the Plan's assets. The Plan is subject to periodic 

actuarial review to assure that the relationship between ineome and benefit costs meet the 

funding standards required by ERISA. 

L. Funding Medium for the Accumulation of Plan Assets: Assets are accumulated and 

benefits are provided by the Trust Fund. Some Plan assets are invested. These 

investments are made only after consultation with professional investment managers 

employed by the Plan and in accordance with the investment policy and guidelines 

established by the Board of Trustees. 

M. Date of Plan's Fiscal Year End: April30. 

N. Statement of Plan Termination Insurance: Your pension benefits under this 

multicmployer 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. 

Under the multiemployer plan program, the PBGC guarantees arc set by law. Under the 

multiemployer program, the PBGC guarantee equals a Participant's Years of Service 

multiplied by (I) I 00% of the first S5 of the monthly benefit accrual rate and (2) 75% of the 

next $15. The PBGC's maximum guarantee limit is $16.25 per month times a Participant's 

43 

36. 129 
Years of Service. For example, the maximum annual guarantee for a retiree with thirty (30) 

years of service would be $5,850. 

The PBGC guarantee generally covers: (I) 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: (I) Benefits greater than the maximum 

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

that have been in place for fewer than five (5) 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 

Administrative Manager 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). TIYrrDD 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 

hnp://www/pbgc.gov. 

The PBGC Office of Communications may also be reached by calling: (202) 254-4817. 

44 

36.130 
Document 36.4 

Recent § 204(h) Notice 

No summaries of material modificalion have been dislribuled since 1he reccn1 rcslaiement 

of' the plan document (effective May I, 2014). Sec the following pages tor a recent§ 204(h) notice. 

36.l3l 
RRICKLA YERS & ALLI E.O CRAFTSMEI'( LOCAL NO.7 PENSION PLAN 

IMPORTA~T OTICE T O PART ICH'A:'IITS 

Sect inn 204(h) of the Employee Retirement Income Security Act nf 1974 (HR IS A) and ERISA 

regulation Section 2520.1 04h-3 require the Board of Trustees to notify you o r a change that will 

be mude to the t>ension Plan. This change was udopted by the Board o f Trustees at its March 10, 

20 16 meeting and will become etTective on May l, 20 16. 

Please keep this Notice with your current Summary Plan Description for future refe rence. Jr you 

have questions afteo· reading this Notice, 11lease contact the Fund Office. 

The Board ofTrustees took action Ill amend the Plan b}' changing the rate at which you will accrue 

benefits. Please note that this will only affect your accrual on contributions made on your behalf 

un or after May I, 2016. 

Current Accrual Rate: 

Cun·cntly, the contribution rate made by Emrloyers on your behalf is $6.66 per hour worked. Of 

that $6.66, $4.66 is "non-credited'', whi ch mcnns you do not accrue any benefit on th:ot pootion and 

that portion is used solely in an attcmpttu impmve the Plan's fundi ng. You receive a credit of 1% 

of the remaining $2.00 toward your benefi t flccnoal. 

Please note that, utlder the curn.:nt accrual rate, even il' you work in a jurisdiction with a 

contribution rate lower than $6.66. you would be accruing the same amount ol'henefit as somcune 

who is working in a jurisdiction paying $6.66. This is because your accrual is based on $2.00. 

The only time you would accrue less would be if ynu are working in a jurisdiction with a 

contribution rate lower than $2.00 per hour. 

Chnngc Effective for Contributions :\l ade nn or after Ma r I, 2016 

For contributions made on or after May 1, 20 16, the accmal rate will be 0.30% nf the first S6.66 

in cnntrihutions, plus 1.0% of any amount above $6.66. So long as the contribution rate stays at 

$6.66, you will continue to accme benclits at the same rate as you currently urc. However, any 

ummmts allocated above $6.66 will uccrue Ul 1.0%. 

Please note that if you work in a jurisdiction where the contribution rate is lower than $6.66. this 

will cause a decrease in the amount of your future accruals. 

36.tJ2 
Example I (cunent rules): 

Participant Sam work,; I ,000 hours at a contribution rate of $6.66. Only $2.00 of the $6.66 is 

credited. And, Sam gels 1.0% ol'thal $2.00 conllihution. So. the math looks likt.: this: 

I 000 hours at $2.00 CI'Cditcd per hour = $2,000 credited contribut on~ . 

1.0"/o of $2.000 - $20. Therefore. Sam· s benefit amount would be $20 per 1.000 hours that he 

work,;. If Sam works I ,000 hours a year fur 30 years. under this benelil accrual rate, Sam's benefit 

amount would he S600 (30 x 520.00). 

Example 2 (new •·ulc, contribution stays at $6.66): 

Participant Abby works 1.000 hours at a conuibution rate of$6.66. The new rule is that Abby gets 

0.30% of the $6.66 contributed on her hehalf plus 1.0% of anything over $6.66. Since the 

contribution rate has not increased in this example, the math looks li ke th is: 

I ,000 hours x 56.66 contribution rate = $6,660 contributions made on Abby's behalf. 

56,660 x 0.30%- $19.98. Therefore, Abby's benefit amount would he $19.98 per 1,000 hours 

that she works. If Abby works 1.000 hours a year lor 30 years, under this benefit accrual rate, 

Abby's benefit amount would be $599.40 (30 x $ 19.98). 

Exnmplc 3 (new rule, contribution rutc increases to u total of $6.80): 

Pm1icipant Tom works 1.000 hours at ft contribution J"iltc of $6.80. The new mle is that Tom gets 

0.30% of the $6.66 contributed on his bchau· plus 1.0% of the $0. 14 over 56.66. So, the math 

looks like this: 

1.000 hours x $6.66 cont1ibmion rate - $6,660 credited conuibutions; PLUS 

I ,000 hours x $0.14 additional cont1ibution rate = S 140 additional credited contributions. 

$6,660 x 0.30% = $ 19. 9R 

$ 140 X 1.0%-$1.40 

$19.98 I $1.40-521.38. 

Thcr.:fore, Tom's benefit amount would $21.38 per I ,000 hours that he works. lf Tom works 

I .000 hours a yc<~ r for 30 years, under th is benefit uccrua l rate, Tom's benefit anwu11t would be 

$64 1.40 (30 x$21.38). 

36.133 
Example 4 (new rule, Participant works inn iurlsdiction with n SS.OO contribution rate): 

Participant Tim works 1.000 hours at a comribution rate of S5.00. Th~ new rule is that Tim gets 

0.30% of the $5.00 contributed on his hehalf. Since the contribution rate is lower than $6.66. Tim 

does not get the advantage of the 1.0% on anything over $6.66. So, the math looks like this. 

I ,000 hours x $5.00 contribution rate- $5,000 credited contributions. 

$5,000 credited contributions x 0.30% = $15.00. 

Therefore. Tim's benefit amount would be SJ5.00 per 1.000 hours that he works. If Tim \\Orks 

1.000 hours a year for 30 )Car... under this benefit accmal rate, Tim's benefit amount would be 

$450.00 (30 X $ 15.00). 

Please contnct the Fund Office with any que~ ions or eonccms. 

Sincerely, 

Board of 1i·ustees 

March 28, 2016 

36. 134 
li\IPORTA..'IT 

As you may know, the Board of Trustees is cxplming every possible option to ensure that your 

Pension Plan can continue and avoid insolvency. Over the following months, you may receive 

Clln'CSpondence fi·om an entity called the Bricklayers & Allied Craftsmen Local No. 7 Pension 

Rescue Plan (''Rescue Plan"). 

PLEASE DO NOT DISCARD ANYTHING FROM THE RESCUE PLAN! 

Any correspondence you receive from the Rescue Plan will contain very important inl'onnation. 

You will want to read all Rescue Plan COI'rll>')1ondence very carefully. 

IT IS ALSO EXTREMELY IMPORTANT T HAT YOU KEEP THE FUN n OFFICE 

AWARE OF A:-.IY CllAJ.'IGE ~ ADDRESS AND OTH ER CO:-.ITACT lNFORMATI0:-1. 

You can contact the Fund Office at (330) 270-0453 to make sure your contact information is up to 

date. 

36. 135 
Sec the following pages. 

Document 36.5 

Current Dctcm1i.natiou Letter 

36.136 
TN1'RRNI\to REVEN\IE SE!RVICE 

I'. 0. BOX 2508 

('IN('JNNATl, 011 457.01 

DEI'/\RTM<:N'I' OF THF TR"!ASURY 

AUG 0 7 2Q15 Fmployer I dent ~hcalion Ntu:\b<'r: 

oa~e: 

ROARO OF TRUSTEES-BRICKLAn:RS '/ Al'lll 

Aloi.IT>D CAAF'I'SHEN LOC1\L NO '/ 

C/O NACki.A (. Pi i>.TT LLC 

I'I 01'~ Y P 1.'111'1"1' 

60 1 8 Ml\J.N ST 

NOR1'H CA.NTON, 01·1 44720 

H o666798 

OLtl: 

P007ll2.! 066035 

Person co Cont a ct: 

Dl\VlD BECKERMAN 

Contac t Telephone NU.1tber : 

l626J 9 2 "/ - H 25 

Pl,ln Nvmc: 

l rJII 95065 

BR! CKlJ\YE:RS & 1\LL r:J>O CR/\PTI.IMBN 

oear Applicant: 

LOCTI.L 7 PENSION 

Plan Numbe r: oo L 

Based on the information you provided, we ar~ issuing this favorable 

dctennlnnt ion letter for your plan li Bted above. However, our liiVOrllble 

determination only appl1cs to tho status or. voul· plan under lhe Inlernal 

R.,v.,nue CC><le artd is noL a determj M~ion on the effect of other {edeJool or local 

statutes. To use t his letter as proot ol t:he plan~~ atntus, you muRt. keep LhlB 

letter, Lhe ;,ppl icati(')n l ormu, nnrl '' II OOl~ ,. ,$po cn c wit b us about. yc.1ut: 

appl i cation . 

Y<?lll' <'lot:r l·mi na ti o n 1 et.tc•· doos noc appl y t o any qua.ll fic nL ian c iltm!J"'' t h.lt 

become effect.ive, an y gn i d,uiC<J <l. .. i!u.,d, Ot' a ny s t a tut e s e nac t ed ~tter t ile tln l.<.>rJ 

IJpecLCled .Lu l he Cumulo!lt·i v ol loit<t of Ch;:mges in Pl an Requir cmcnt.a ltho 

Cumul ative List) for t he c y cle you smbml c t ed you r appli cation lUldCr, u nless t he 

new item wa::~ i dentif led in th,.. ( '1._1mu J."'t i vo Lis t . 

Your plan • s concinued qualific .. llou in LLtJ pre,ent form will depend on ita 

effect In operation {Section 1.401-1(b)l3) of the Income Tax Regulalions). We 

may review the sta tus of the plan In opctation periodically. 

You can find more information 011 favorable deteroination lcttcrli in l!ub!.icalton 

'/94, l'·lVOrablc Detem.iudt iuu L<!ll4tL, includinq: 

The s i gnifica nce dlid "oope o( >oU.mc,. on this lct:ter 

Tho .. r {<>Cl oC ""Y eJechve det.,.,miru>t>on request in yOU!" a,;.pll~•tion 

maLeri als 

The r:epur: :.J. r'l l r·equ Ln:•m("'n t ~ tnr qua 1 i f ied plans 

Exampl es o f the e ffec t ot a pial\ ' " optro t:Lon on i t qua l'lfi O:K1 stacus. 

You can neL a c opy of Publication '/94 by VlBi Llng oul' wcb:>it.c nt 

"'w ira.gov to>~ns uos 0' IJy ..,,,ll.in<r l-600-':'AX-FORM ( 1 -800-829 - 36'/6) to rcquc~ t 

.~ ~opy. 

'l'hln <l<'t:<'rmi natlon letter applies to the ,,Mendmcnts daLe<.! ou 

2/ll/11 & 12/13/13. 

This determinatt.on let.t:er alSO applJ.et:l tu the amendncnt::; ct.•t~ on 

36.1 37 
Redacted by the U.S. Department of the Treasury
- 3 

BOARD OF 1'RilS'l'EES-llRICJ<t,.AYRRS 7 k'ID 

This determi nat i on lett et· cloos not app l y to a ny pot·tion" of t.he clocument t hat 

incorpontl.e tho te~: s of an auxili ary agreement (collecti ve bargaining , 

reciprocity, or ar. i.c ipi'.H~icm atgreernent) 1 unless yo\1 ~1ppend to the plan 

document t he exact. l\tnguage ot' the sect.lo ms that you i ncorporated by reference. 

Le t ter 5271 

36.139