CWA/ITU Negotiated Pension Plan
SUMMARY PLAN DESCRIPTION
CONTENTS
I. BENEFIT HIGHLIGHTS
A. Monthly Pension Benefits: Normal, Early, and Disability
B. Death Benefits: Before and After Retirement
C. Withdrawal Benefits
II. OTHER IMPORTANT FEATURES AND DEFINITION OF TERMS
A. Becoming a Participant in the Plan
B. Service Credit
C. Vesting
D. Break in Service (Loss of Participation)
E. Re-employment After Retirement
F. Contributions After Retirement
G. Qualified Domestic Relations Orders
III. APPLYING FOR BENEFITS
A. Advance Filing Rule
B. Proof of Age Required
C. When Payments Begin and End
D. Appealing Denial of a Claim
IV. GENERAL QUESTIONS AND ANSWERS
V. PLAN IDENTIFICATION AND YOUR LEGAL RIGHTS
A. Plan Operations
B. Rights Under ERISA
C. The Pension Benefit Guaranty Corporation
D. Plan Termination Information
APPENDIX A (Reduction for Pension Options)
APPENDIX B (Early Pension Reduction Factors)
​