Your pension does not have any value until you are retirement age and have enough Pension and Vesting Credits to retire. We do not calculate the total value of your pension, just the monthly amount. This is not a 401K-type benefit plan; this is a defined benefit plan. You will only be eligible for a monthly benefit from this Fund based on the number of hours worked and credits earned, not the amount of money contributed on your behalf. Your Pension Annual Statements will show the monthly value of your pension to date at Regular Retirement age, assuming you are vested. This amount could be reduced for early retirement, taxes, insurance premiums, spousal options, and qualified domestic relations orders.