International Union of Operating Engineers (IUOE) Local No. 478 Pension Fund
When the Fund Office receives your request for a pension application, it will send you a self-explanatory Pension Application Form and an explanation of the pension payment options.
You must answer all questions on the Pension Application Form, and sign and date it. Should you require any assistance in completing your Pension Application Form, please contact the Fund Office.
You have the right to review the explanation of payment options for at least 45 days before the date your pension becomes effective. If you are married and you wish to elect a payment option other than the joint and survivor pension, your election must be made in the 180 days before the date your pension is to be effective to be valid (this is also the period in which you can revoke a previous election.)
An incomplete application will be returned to you, and this could result in a delay of your pension benefits.
Processing of Your Application
Payment of a disability pension cannot begin until the later of either the first day of the month following five full calendar months after the initial date of disability, or the first of the month that is two full months after your application for benefits has been approved.
Only the Board of Trustees is authorized to approve a pension benefit.
Application for Death Benefits