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To become a Participant in the Plan you must work for at least 12 months for an Employer who is required to contribute to the Plan on your behalf. This is called Covered Employment . Within this 12-month period, you must complete 700 Hours of Service in Covered Employment beginning on the date when contributions are first made (or due to be made) on your behalf. The date of your initial participation in the Plan will then be the earlier of the January 1 or July 1 following this 12-month period. 

In the event of a divorce, you will need to provide the Fund Office with a copy of your Divorce Decree, which will determine whether or not there is a Qualified Domestic Relation Order (QDRO) in place, a Domestic Relations Order may allocate a portion of your assets in the Plan to your spouse, former spouse, child, or other dependent. Upon receipt of a QDRO, the Plan Administrator will determine the validity of any Domestic Relations Order received and will determine if any or all of your benefits may be used to satisfy any obligation.

You may consult with the Social Security Administration to determine whether your pension benefit has an impact towards you receiving a Social Security benefit.