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   Summary Plan Description
 
Notice
Statement of Purpose
Carpenters Individual Account Pension Plan At A Glance
Participation
Eligibility
Benefits
Retirement
Payment Options
Disability Retirement
Death Benefits Before Retirement
Service-Related Issues
Participation and Eligibility
Introduction
Credited Service
Vesting
Money Follows the Carpenter
Breaks In Service and Termination
Avoiding Breaks In Service
Avoiding A Permanent Break In Service
Contributions and Investments
Introduction
Hourly Contributions
Investment Performance
Qualified Domestic Relations Order (QDRO)
Benefit Statements
Normal, Early and Disability Retirement
Introduction
Application Process
Normal Retirement
Early Retirement
Disability Retirement
Retirement Payment Options
Pension Enhancement Option
Taxes and Rollovers
Death Benefits Before Retirement
Introduction
Account Balance Is $5,000 or Less
Account Balance Is Greater Than $5,000
Beneficiaries
Important Information
Claims and Appeals Procedures
Your Rights Under the Employee Retirement Income Security Act (ERISA)
Amendment and Termination
Plan Termination Insurance (PBGC)
Administrative Information
Names, Titles and Addresses of the Board of Trustees
Amended Carpenters of Western Washington Individual Account Pension Plan
Article 1 – Definitions
Article 2 – Participation, Vesting and Eligibility For Benefits
Article 3 – Scope of the Plan
Article 4 – Payment of Retirement Benefits: Normal, Early, Disability
Article 5 – Preretirement Death Benefit
Article 6 – Administration of the Plan
Article 7 – Amendments
Article 8 – Termination of Plan
Article 9 – Inalienability
Article 10 – Miscellaneous Provisions
 

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