Northwest Carpenters Retirement Plan

Summary Plan Description

• Notice
• Statement of Purpose
• Carpenters Retirement Plan at a Glance
• Credited Service and Vesting
  • Participation
  • Credited Service
  • Vesting
  • Reciprocity and Money Follows the Carpenter
  • Breaks In Service and Termination
  • Leave of Absence
  • Contiguous Noncovered Service
• Calculating Retirement Benefits
  • Defined Benefit Plan
  • Contributions
  • Benefit Factor
  • Traditional Income Benefits
  • Sustainable Income Benefits
  • Benefit Statements
  • Qualified Domestic Relations Order (QDRO)
• Election Process and Retirement Options
  • Qualifications
  • Election Process
  • Normal Retirement
  • Regular Early Retirement
  • Special Early Retirement
  • Rule of 80 Early Retirement
  • Retirement Payment Options
• Post-Retirement Employment and Suspension of Benefits
  • Post-Retirement Employment and Suspension of Benefits
• Disability Retirement
  • Qualifications
  • Election Process
  • Monthly Benefit and Income Option
• Death Benefits Before Retirement
  • Qualifications
  • Primary Spouse's Benefit
  • Qualified Spouse's Benefit
  • Lump Sum Death Benefit
• Important Information
  • Claims and Appeals Procedures
  • Your Rights Under the Employee Retirement Income Security Act (ERISA)
  • Amendment and Termination
  • Benefit Not Guaranteed
  • Plan Termination Insurance (PBGC)
  • Administrative Information
  • Board of Trustees
• Plan Document
  • Article 1 – Definitions
  • Article 2 – Effective Date
  • Article 3 – Eligibility, Vesting and Forfeitures
  • Article 4 – Qualification for Retirement
  • Article 5 – Reciprocity
  • Article 6 – Retirement Income
  • Article 7 – Total and Permanent Disability
  • Article 8 – Death Benefits Prior to Retirement
  • Article 9 – Funding of Plan Benefits
  • Article 10 – Administration
  • Article 11 – Amendments/Mergers
  • Article 12 – Termination of Plan
  • Article 13 – Inalienability
  • Article 14 – Scope of the Plan
  • Article 15 – Miscellaneous Provisions
  • Appendix A
  • Appendix B

Related Content

• Member Portal
• Forms
• Updates