Summary Plan Description (Revised January 1, 2012)

Breaks In Service and Termination

If you are not vested in this plan and work less than 500 hours of service in a calendar year, you incur a one-year break in service. A break in service can be repaired but, if you have five consecutive one-year breaks in service, you incur a permanent break in service and all credited service and any monthly benefit earned from that credited service are forfeited and permanently lost. Even if you become vested in this plan at a later date, previously forfeited service and contributions cannot be counted toward your retirement benefit.

  • For additional information about breaks in service and termination, please see Article 3.3 and Article 3.4