Summary Plan Description

Early Retirement

To be eligible for early retirement you must be:

  • Vested in one or more of your subaccounts in this plan;
  • Age 55 through age 64; and
  • No longer working for a contributing employer.

Your retirement date cannot be earlier than the later of (1) the first of any month following your 55th birthday when you are no longer working for a contributing employer, or (2) the first of the month following receipt of your completed Application For Retirement Benefits and Explanation of Payment Options and Election of Retirement Benefits form.

  • For additional information about early retirement eligibility, please see Article 1.10 on page 58, 2.8 on page 65 and 4.5 on pages 69-70.