Northwest Carpenters Individual Account Pension Plan

Summary Plan Description

• Notice
• Statement of Purpose
• Carpenters Individual Account Pension Plan At A Glance
• Participation and Eligibility
  • Introduction
  • Credited Service
  • Vesting
  • Money Follows the Carpenter
  • Breaks In Service and Termination
  • Avoiding Breaks In Service
  • Avoiding a Permanent Break In Service
• Contributions and Investment Strategy
  • Introduction
  • Hourly Contributions and Subaccounts
  • Unit Value Accounting
  • 401(k) Annual Election
  • Investment Strategy
  • Qualified Domestic Relations Order (QDRO)
  • Benefit Statements
• Retirement Options
  • Introduction
  • Application and Election Process
  • Normal Retirement
  • Early Retirement
  • Disability Retirement
  • Retirement Payment Options
  • Taxes and Rollovers
• Death Benefits Before Retirement
  • Introduction
  • Account Balance Is $5,000 or Less
  • Account Balance Is Greater Than $5,000
  • Beneficiaries
• Important Information
  • Claims and Appeals Procedures
  • Your Rights Under the Employee Retirement Income Security Act (ERISA)
  • Amendment and Termination
  • Plan Termination Insurance (PBGC)
  • Administrative Information
  • Board of Trustees
• Plan Document
  • Article 1. Definitions
  • Article 2. Participation, Vesting and Eligibility For Benefits
  • Article 3. Scope of the Plan
  • Article 4. Payment of Retirement Benefits: Normal, Early, Disability
  • Article 5. Preretirement Death Benefit
  • Article 6. Administration of the Plan
  • Article 7. Amendments
  • Article 8. Termination of Plan
  • Article 9. Inalienability
  • Article 10. Miscellaneous Provisions
  • Appendix A. Actual Deferral Percentage ("ADP") Test
  • Amendment 1
  • Amendment 4
  • Amendment 5

Related Content

• Application for 401(k) Contributions
• Member Portal
• Forms
• Updates
• Carpenters Retirement Plan