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.
See All the Plan Rules and Forms Related to Events in Your Life