FAQ

Your eligibility is determined based on whether you pass any one of three tests with respect to the hours paid on your behalf: a 200/hour/3 month test, a 400 hour/6 month test and an 800 hour/12 month test. For more information on eligibility, or to keep track of your individual hours and eligibility, visit the Member's Only section of our Web site. If you have any questions regarding the commencement of your eligibility, call the Fund Office.

Call the Fund Office to request the paperwork you must fill out to add your spouse to the Plan. You will be required to submit a copy of your marriage certificate and your spouse's Social Security number. We handle all participant information, including Social Security identification numbers, within strict guidelines with respect to privacy and security. 

The Fund would be the primary payer for you and the secondary payer for your spouse. If you have children, we follow the birthday rule to determine coordination of benefits between our Fund and the other carrier. The spouse whose birthday falls first within the year holds the primary insurance for the children. (If a Local 478 Member's birthday is February 15, and his spouse's birthday is August 15, the Member would hold the primary insurance for the children.) The year of birth is not considered. 

Call the Local 478 Fund Office as soon as the child is born. You'll need to provide the baby's name and date of birth, and a copy of the long-form birth certificate. This should be done as soon as possible to avoid any delay in processing the newborn's claims. We will need the baby's Social Security number as soon as it is available in order to continue processing benefit payments. 

The Fund covers eligible dependents until the age of 26.  Dependent children who are declared disabled by the Social Security Administration may be covered indefinitely. You should notify the Fund Office if your child has a disability. Dependents who want to qualify for self-pay coverage under COBRA must contact the Fund Office within 60 days of the date that he or she ceases to be a full-time student. We need each covered dependent's Social Security number in order to process his or her claims. 

Once you become eligible for Health Benefits in our system, your medical and dental cards are automatically sent to you. One set of (2) cards will be sent for the family with the Member's name and ID. If you need additional medical cards, please contact the Health Fund office, if you need Dental cards please contact Delta Dental at 1-800-452-9310. 

If your eligibility terminates, possibly because of a long gap in employment, the Fund Office will notify you within approximately 7-10 days. You can view the hours paid in on your behalf and your health benefit eligibility on the Member's Only section of this Web site. 

If you are concerned that your employer might be delinquent, call the Local 478 Fund Office. If your employer is not paying your benefit contributions, we may already be aware of the situation and taking action to collect the amounts due on your behalf. There are some rare instances where we might not know that a member is working for a particular employer. Therefore, you should notify us of any problems. Always keep copies of your pay stubs and any other documentation in case a problem comes up. 

You will receive an explanation of benefits statement from the Fund Office to show that a claim has either been paid or denied. You can also check your benefits information on the Member's Only side of this Web site, or by calling the Local 478 Fund Office and asking for the claims department. Remember, the Fund is required by law to have a fully executed HIPAA designation form before we can discuss claim-related issues involving participants who are 18 or older with other individuals, including parents and spouses.

No, this plan does not require you to obtain a referral to receive medical benefits.

The only time you need to obtain a prior authorization is before you receive in-patient hospital or Rehabilitation stays from Telligen by calling them at 1-833-374-9833. This requirement applies only to Active Members and Pre-Medicare Retiree participants.

Yes, the Fund will cover a second opinion provided your physician submits the claim according to the Plan rules.

Call Anthem at 1-800-810-2583, or go to their Web site at www.bcbs.com.

Adults are eligible for vision benefits once every two years, and children 12 and under are eligible once a year. If you are not sure when you last used your vision benefit, contact the Fund Office and ask for the claims department. 

If you use a non-participating provider for dental, medical or vision visits, your claims will still be considered, but they will be paid at a different rate and may be subject to a deductible. For more information, contact the Fund Office.

Contact Telligen at 1-833-374-9833.

If you purchase your prescription at a pharmacy that participates with the OPTUMRx network, you will pay the following co-pays or the cost of the prescription: $15 for generic, $30 formulary, or $45 non-formulary for a 30-day supply. The co-pays for OPTUMRx order drugs are: $25 for generic, $55 for brand and $85 for brand (non-formulary). 

Formulary lists are updated every three months. You can find the latest list at www.OPTUMRx.com, or by calling OPTUMRx at 855-295-9140. 

If you purchased prescriptions on your own or have other insurance, you may submit a paper claim for a refund. You need to submit the prescription receipt with a prescription claim to OPTUMRx at the address provided on the back of the claim form. 

Contact OPTUMRx at 855-295-9140 or the Local 478 Fund Office. 

Disability benefits are paid for time lost due to injury or illness that is not related to work. This short-term benefit is paid at $400 a week ($365 after Social Security is deducted) for a maximum of 182 days or 26 paid weeks. However, payment is based on the Medical Disability Advisor according to the diagnosis that your doctor submits, so it may cover less than 26 weeks. 

Yes. The law requires us to deduct Social Security tax automatically. You may choose to have federal or state taxes taken out at the time of payment by completing and submitting the appropriate tax forms. 

You can obtain a disability claim and tax forms from the Local 478 Fund Office. 

Disability benefits are paid every other week on a pay period basis ending on Saturday. 

Disability benefits are for Active Members only.  

If you are not sure who your beneficiary is, contact the Fund Office. You can change your beneficiary at any time by completing the appropriate beneficiary form. 

For Active Members, the death benefit is $25,000. For accidental death, the benefit doubles to $50,000. If you are on our retiree plan, the death benefit is $5,000. This taxable benefit is paid to the beneficiary of your choice at the time of death and is fully taxable. 

You can designate as many beneficiaries as you want. 

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

You must notify both the Referral Hall and Fund Office promptly regarding both. You may be eligible for special benefits through the Health, Pension, Annuity and SUB funds. 

Such Members are considered to be Active Members and may earn and receive Active Health benefits and SUB. Members who voluntarily retire prior to being required to begin receiving Pension and Annuity benefits may work unlimited hours upon attainment of age 70½, but such individuals are not eligible for SUB. 

Contact the Fund Office immediately. The Health Fund must determine whether there is another party who is responsible for paying any claims related to the injury, via a third-party lawsuit or via a worker's compensation claim . Depending on the particular circumstances, the Health Fund may pay such claims pursuant to an agreement to reimburse the Fund for any bills it paid. If you have a work-related claim or you are deemed disabled, you may also be entitled to limited Pension credits. Also, you may be able to collect SUB benefits if you have been released for light duty.

Contact the Fund Office immediately. You may qualify for the Health Fund's weekly disability benefit. You should be aware that Members cannot receive disability benefits and SUB at the same time as SUB requires that you are available and physically capable of accepting work in covered employment. In addition, you may be eligible for a limited amount of Pension credit. 

Contact the Fund Office immediately. You may qualify for a disability Pension and Retiree Health Benefits.

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

You should contact both our Referral Hall and Fund Office and those of the Local in which you intend to work to determine whether the other Local will reciprocate benefit contributions back to Local 478. Find out what forms the other Local will require. Please note that most other Locals do not have SUB, so you probably would not accrue any SUB from work performed in such instances, and some do not have an Annuity/401K Plan. Finally if you work in a jurisdiction where they utilize a stamp program, you should pay particular attention to their requirements for redeeming your stamps. 

You must notify both the Referral Hall and Fund Office promptly regarding both. You may be eligible for special benefits through the Health, Pension, Annuity and SUB funds. 

Such Members are considered to be Active Members and may earn and receive Active Health benefits and SUB. Members who voluntarily retire prior to being required to begin receiving Pension and Annuity benefits may work unlimited hours upon attainment of age 70½, but such individuals are not eligible for SUB. 

If you are concerned that your employer might be delinquent, call the Local 478 Fund Office. If your employer is not paying your benefit contributions, we may already be aware of the situation and taking action to collect the amounts due on your behalf. There are some rare instances where we might not know that a member is working for a particular employer. Therefore, you should notify us of any problems. Always keep copies of your pay stubs and any other documentation in case a problem comes up. 

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

You must notify both the Referral Hall and Fund Office promptly regarding both. You may be eligible for special benefits through the Health, Pension, Annuity and SUB funds. 

Such Members are considered to be Active Members and may earn and receive Active Health benefits and SUB. Members who voluntarily retire prior to being required to begin receiving Pension and Annuity benefits may work unlimited hours upon attainment of age 70½, but such individuals are not eligible for SUB. 

Contact the Fund Office immediately. The Health Fund must determine whether there is another party who is responsible for paying any claims related to the injury, via a third-party lawsuit or via a worker's compensation claim . Depending on the particular circumstances, the Health Fund may pay such claims pursuant to an agreement to reimburse the Fund for any bills it paid. If you have a work-related claim or you are deemed disabled, you may also be entitled to limited Pension credits. Also, you may be able to collect SUB benefits if you have been released for light duty.

Contact the Fund Office immediately. You may qualify for the Health Fund's weekly disability benefit. You should be aware that Members cannot receive disability benefits and SUB at the same time as SUB requires that you are available and physically capable of accepting work in covered employment. In addition, you may be eligible for a limited amount of Pension credit. 

Contact the Fund Office immediately. You may qualify for a disability Pension and Retiree Health Benefits.

If you are concerned that your employer might be delinquent, call the Local 478 Fund Office. If your employer is not paying your benefit contributions, we may already be aware of the situation and taking action to collect the amounts due on your behalf. There are some rare instances where we might not know that a member is working for a particular employer. Therefore, you should notify us of any problems. Always keep copies of your pay stubs and any other documentation in case a problem comes up. 

Your Contributing Employer(s) must have paid at least 300 hours of contributions on your behalf for work in Covered Employment in the Plan Year prior to the Plan Year in which you apply for SUB Fund benefits.  

If eligible, you may collect a SUB check if you work only one day out of any given week that falls within the SUB Fund Benefit Year. In addition to being paid for one day of work, you may also receive holiday pay during that same week and still qualify for SUB. Please note that a copy of your pay stub may be required. 

No

In order to collect SUB, you must be available for work. If you are released for light duty work and are receiving a state unemployment check, you may be eligible for benefits. An otherwise eligible participant who did not collect SUB benefits during a benefit year solely because he or she was receiving workers compensation benefits, performing military service or performing work as a temporary organizer, may carry over the SUB benefit weeks which were lost to the Benefit Year immediately following the benefit year in which the participant was on worker's compensation benefits or in the military. You should always call the SUB Fund with any carryover question. 

You should always submit your SUB claim, which you can obtain from the CT Unemployment website or your local unemployment office, to the SUB Fund within one month of the date on which it was issued. Once we receive your employer contributions and establish your eligibility for the claims you submit, we will reprocess those claims and pay any SUB benefits to which you are entitled. You may also submit appropriate evidence to the SUB Fund in order to establish your work record. Such evidence could include payroll checks, payroll reports, earnings reports, or similar documentation. You will be paid retroactively once the contributions are received only if your proof was submitted on a timely basis. 

The Board of Trustees ruled in 2008 that you do not have to appear in person. You simply continue to complete and submit the Registration Form to the SUB Fund with or without a copy of your unemployment documentation. Please remember we cannot accept the pay stub or bank statements. We need a clear photocopy of your claim summary or an unemployment verification from The Department of Labor Web site. You may also be required to complete new tax forms. 

In order to be eligible for SUB, participants must be involuntarily unemployed, available for work, and must not be receiving a medical disability or Social Security check. 

The Benefit Year starts with the first full week in November that includes a Monday and ends with the last week in April that includes a Friday. 

Typically, a person who is not collecting an unemployment check cannot collect SUB. There are a few exceptions to this rule, including: exhausted benefits with Unemployment, waiting weeks on opening new claims, and coverage while undergoing a wage investigation. For more information, contact the SUB Fund. 

For your convenience, State Unemployment benefit claim summaries and/or unemployment verification supporting a participant's claim must be received by the SUB Fund within one month of their issue date. 

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

You should contact both our Referral Hall and Fund Office and those of the Local in which you intend to work to determine whether the other Local will reciprocate benefit contributions back to Local 478. Find out what forms the other Local will require. Please note that most other Locals do not have SUB, so you probably would not accrue any SUB from work performed in such instances, and some do not have an Annuity/401K Plan. Finally if you work in a jurisdiction where they utilize a stamp program, you should pay particular attention to their requirements for redeeming your stamps. 

You must notify both the Referral Hall and Fund Office promptly regarding both. You may be eligible for special benefits through the Health, Pension, Annuity and SUB funds. 

Such Members are considered to be Active Members and may earn and receive Active Health benefits and SUB. Members who voluntarily retire prior to being required to begin receiving Pension and Annuity benefits may work unlimited hours upon attainment of age 70½, but such individuals are not eligible for SUB. 

Contact the Fund Office immediately. The Health Fund must determine whether there is another party who is responsible for paying any claims related to the injury, via a third-party lawsuit or via a worker's compensation claim . Depending on the particular circumstances, the Health Fund may pay such claims pursuant to an agreement to reimburse the Fund for any bills it paid. If you have a work-related claim or you are deemed disabled, you may also be entitled to limited Pension credits. Also, you may be able to collect SUB benefits if you have been released for light duty.

Contact the Fund Office immediately. You may qualify for the Health Fund's weekly disability benefit. You should be aware that Members cannot receive disability benefits and SUB at the same time as SUB requires that you are available and physically capable of accepting work in covered employment. In addition, you may be eligible for a limited amount of Pension credit. 

If you are concerned that your employer might be delinquent, call the Local 478 Fund Office. If your employer is not paying your benefit contributions, we may already be aware of the situation and taking action to collect the amounts due on your behalf. There are some rare instances where we might not know that a member is working for a particular employer. Therefore, you should notify us of any problems. Always keep copies of your pay stubs and any other documentation in case a problem comes up. 

A union is a group of employees who join together within a company to bargain collectively for better wages, stronger benefits and safer working conditions. 

A union’s primary objective is to secure good contracts for its members and to enforce the provisions of that contract. The union also administers some of the contract's important benefits directly. Often these include health plans, pensions and labor/management partnerships and trusts. 

Employees who want to join the Operating Engineers sign a “union authorization card”. When a majority of employees sign cards, they are forwarded, in most cases, to the National Labor Relations Board (NLRB). The NLRB then schedules and conducts a secret ballot election. In some cases, when a majority of workers sign cards the company will recognize the union. When the union is certified, the company is required by law to bargain over wages, benefits and working conditions. 

The Operating Engineers are committed to organizing workers that want our representation. Organizing is not about holding a vote; it is about gaining a voice in the workplace. When the NLRB conducts a union election it's a secret ballot. No one has any right to know how you voted. 

Through the grievance procedure. The contract spells out what the grievance procedures are and explains how conflicts are to be resolved. When management engages in unfair conduct or violates a provision of the contract there are steps spelled out in the contract to resolve the problem. First, talk with your supervisor. When they refuse to do anything about it, go to your shop steward to get help. The steward sits down with you and management and tries to talk about the issue. If it can't be resolved at this meeting, a business agent from the union approaches the company to talk the issue over. If the problem still cannot be resolved to everyone's satisfaction, the business agent appeals to upper management. If this step fails, both parties bring in a neutral arbitrator to hear evidence and order a final resolution of the problem. 

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

You should contact both our Referral Hall and Fund Office and those of the Local in which you intend to work to determine whether the other Local will reciprocate benefit contributions back to Local 478. Find out what forms the other Local will require. Please note that most other Locals do not have SUB, so you probably would not accrue any SUB from work performed in such instances, and some do not have an Annuity/401K Plan. Finally if you work in a jurisdiction where they utilize a stamp program, you should pay particular attention to their requirements for redeeming your stamps. 

You must notify both the Referral Hall and Fund Office promptly regarding both. You may be eligible for special benefits through the Health, Pension, Annuity and SUB funds. 

If you are concerned that your employer might be delinquent, call the Local 478 Fund Office. If your employer is not paying your benefit contributions, we may already be aware of the situation and taking action to collect the amounts due on your behalf. There are some rare instances where we might not know that a member is working for a particular employer. Therefore, you should notify us of any problems. Always keep copies of your pay stubs and any other documentation in case a problem comes up. 

Operating Engineers work on construction projects. We do roadwork, build bridges and buildings, do land clearing, install natural gas pipelines, work in quarries and more.
We represent the OPERATORS who run the equipment used in construction such as bulldozers, backhoes, forklifts, pavers, cranes and the MECHANICS who fix and maintain heavy equipment. We are also represent the SURVEYORS on these jobs.

Operators 60% Journeyman Rate

Mechanics 70% Journeyman Rate

Any training you receive at the school is free, any cost for any State of Connecticut testing or licensing is at students expense (i.e. CDL permit fees, crane exam fees, hoisting licensing fee, etc)

No

Mechanical Aptitude, Google online

No we do not supply study material

Average 2 Saturdays a month and 2 nights a month

Yes

Yes if approved

No, you do not get paid for SRT while an apprentice.

As an apprentice, once you are placed with a contractor, you will begin to collect wages and benefits for OJT.

Good Wages, Great Health Benefits, Pension, Career

No.  Training is FREE TO MEMBERS of LOCAL 478 and selected apprentices.

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

Retired Members who choose to pay dues and join the Active Retiree Organization may be referred to work in Covered Employment. Retirees between the ages of 55 and 61 may work up to 160 hours every other calendar quarter; retirees between the ages of 62 and 70½ may work up to 59½ hours per month; and retirees over age 70½ may work unlimited hours. These rules were designed to reduce the likelihood that retired Members would gain eligibility for Active Member Health Benefits to minimize the problems associated with a Member's eligibility, and flipping back and forth between the Retiree and Active Health Plans.

Contact the Fund Office immediately. You may qualify for a disability Pension and Retiree Health Benefits.

You will receive an explanation of benefits statement from the Fund Office to show that a claim has either been paid or denied. You can also check your benefits information on the Member's Only side of this Web site, or by calling the Local 478 Fund Office and asking for the claims department. Remember, the Fund is required by law to have a fully executed HIPAA designation form before we can discuss claim-related issues involving participants who are 18 or older with other individuals, including parents and spouses.

No, this plan does not require you to obtain a referral to receive medical benefits.

Yes, the Fund will cover a second opinion provided your physician submits the claim according to the Plan rules.

Call Anthem at 1-800-810-2583, or go to their Web site at www.bcbs.com.

For Active Members, the death benefit is $25,000. For accidental death, the benefit doubles to $50,000. If you are on our retiree plan, the death benefit is $5,000. This taxable benefit is paid to the beneficiary of your choice at the time of death and is fully taxable. 

If you are not sure who your beneficiary is, contact the Fund Office. You can change your beneficiary at any time by completing the appropriate beneficiary form. 

You can designate as many beneficiaries as you want. 

Call the Fund Office to request the paperwork you must fill out to add your spouse to the Plan. You will be required to submit a copy of your marriage certificate and your spouse's Social Security number. We handle all participant information, including Social Security identification numbers, within strict guidelines with respect to privacy and security. 

The Fund would be the primary payer for you and the secondary payer for your spouse. If you have children, we follow the birthday rule to determine coordination of benefits between our Fund and the other carrier. The spouse whose birthday falls first within the year holds the primary insurance for the children. (If a Local 478 Member's birthday is February 15, and his spouse's birthday is August 15, the Member would hold the primary insurance for the children.) The year of birth is not considered. 

Call the Local 478 Fund Office as soon as the child is born. You'll need to provide the baby's name and date of birth, and a copy of the long-form birth certificate. This should be done as soon as possible to avoid any delay in processing the newborn's claims. We will need the baby's Social Security number as soon as it is available in order to continue processing benefit payments. 

The Fund covers eligible dependents until the age of 26.  Dependent children who are declared disabled by the Social Security Administration may be covered indefinitely. You should notify the Fund Office if your child has a disability. Dependents who want to qualify for self-pay coverage under COBRA must contact the Fund Office within 60 days of the date that he or she ceases to be a full-time student. We need each covered dependent's Social Security number in order to process his or her claims. 

Once you become eligible for Health Benefits in our system, your medical and dental cards are automatically sent to you. One set of (2) cards will be sent for the family with the Member's name and ID. If you need additional medical cards, please contact the Health Fund office, if you need Dental cards please contact Delta Dental at 1-800-452-9310. 

The only time you need to obtain a prior authorization is before you receive in-patient hospital or Rehabilitation stays from Telligen by calling them at 1-833-374-9833. This requirement applies only to Active Members and Pre-Medicare Retiree participants.

Adults are eligible for vision benefits once every two years, and children 12 and under are eligible once a year. If you are not sure when you last used your vision benefit, contact the Fund Office and ask for the claims department. 

If you use a non-participating provider for dental, medical or vision visits, your claims will still be considered, but they will be paid at a different rate and may be subject to a deductible. For more information, contact the Fund Office.

Contact Telligen at 1-833-374-9833.

If you purchase your prescription at a pharmacy that participates with the OPTUMRx network, you will pay the following co-pays or the cost of the prescription: $15 for generic, $30 formulary, or $45 non-formulary for a 30-day supply. The co-pays for OPTUMRx order drugs are: $25 for generic, $55 for brand and $85 for brand (non-formulary). 

Formulary lists are updated every three months. You can find the latest list at www.OPTUMRx.com, or by calling OPTUMRx at 855-295-9140. 

If you purchased prescriptions on your own or have other insurance, you may submit a paper claim for a refund. You need to submit the prescription receipt with a prescription claim to OPTUMRx at the address provided on the back of the claim form. 

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

Retired Members who choose to pay dues and join the Active Retiree Organization may be referred to work in Covered Employment. Retirees between the ages of 55 and 61 may work up to 160 hours every other calendar quarter; retirees between the ages of 62 and 70½ may work up to 59½ hours per month; and retirees over age 70½ may work unlimited hours. These rules were designed to reduce the likelihood that retired Members would gain eligibility for Active Member Health Benefits to minimize the problems associated with a Member's eligibility, and flipping back and forth between the Retiree and Active Health Plans.

In addition to being eligible to work under the Retiree Work Rules, joining the Active Retiree Organization permits you to participle in all of their events.

Contact the Fund Office immediately. You may qualify for a disability Pension and Retiree Health Benefits.

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

No

A union is a group of employees who join together within a company to bargain collectively for better wages, stronger benefits and safer working conditions. 

A union’s primary objective is to secure good contracts for its members and to enforce the provisions of that contract. The union also administers some of the contract's important benefits directly. Often these include health plans, pensions and labor/management partnerships and trusts. 

Your Health Benefits will be terminated immediately and you will not be eligible for COBRA.  You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.

In addition to being eligible to work under the Retiree Work Rules, joining the Active Retiree Organization permits you to participle in all of their events.