You are vested if any of the following apply (same for Pre and Post 2008):  You have five years of Vesting and Eligibility Service You reach age 65; regardless of your years of Vesting and Eligibility You’ve completed at least one year of Vesting and Eligibility Services and you’re Totally Disabled  You’re laid off because of lack of work or you accept or reject employment with a buyer of the operation in which you are employed (regardless of your years of Vesting and Eligibility Service).