SPD Contents

SECTION 6
How and When You Become Eligible for a Benefit
Normal Retirement
Early Retirement
Special Retirement
Disability
Conditional Early Retirement

SECTION 7
How the Amount of Your Benefit is Calculated?
Credited Future Service Benefit
Credited Past Service Benefit
Total Earned Benefit

SECTION 8
How Your Pension, Disability or Survivor Benefit Is Paid
Single Life Annuity
Qualified Joint and Survivor Annuity
Contingent Annuitant
Sixty (60) Payment Guarantee Feature
Disability
Death

SECTION 9
Benefits Payable in the Event of Your Death?

SECTION 10
How to Apply for Benefits
Pension Benefits
Death Benefits

SECTION 11
What Are Acceptable Proofs?

SECTION 12
When Will You Receive Your Benefits?
Normal, Special and Early Retirement
Disability
Death
Electronic Funds Transfer (EFT)

SECTION 13
Who Is Your Beneficiary?
How to Designate a Beneficiary
If You Do Not Designate a Beneficiary

SECTION 14
General Information
Benefits Insured By The Pension Benefit Guaranty Corporation (PBGC)
Your Rights Under The Employee Retirement Income Security Act (ERISA) of 1974
Taxation of Benefits
Appeal of Denied Benefits
Qualified Domestic Relations Orders
Return To Work Rules
Recalculation of Benefits After Returning to Work
Disability Rehabilitation
Non-Bargaining Unit Participation
Reciprocity
Other Plans
Plan Amendment and/or Termination
Semi-Annual Participant Statements

SECTION 15
Questions and Answers
General
Participation
Retirement
Death

APPENDIX:
Where to Write for Vital Records

The information contained in this Summary Plan Description is an explanation of the general terms of the Plan, but it should be understood the Summary Plan Description is subject to the terms of the Plan of Benefits as adopted by the Trustees pursuant to the Agreement and Declaration of Trust. For further information, please write to the Central Pension Fund, 4115 Chesapeake St., N.W., Washington, DC 20016-4665, Fax: (202) 364-2913.