Page 30 - Pay'n Save Retirement Truat fund

SOUND RETIREMENT | 28

If you begin receiving an early retirement pension after your
employment terminates and it is later determined that you
qualified for a disability pension when you left, the difference in
benefit amounts will be paid retroactive to the effective date of
your early retirement pension.

Disability pension payments will stop when your total disability
stops, unless you are age 65. The Trustees may require proof from
time to time that your disability is continuing.

Returning to Work

You are allowed to return to work for a trial work period without
losing eligibility for a disability pension benefit, provided:

 You submit a statement from your doctor that you are still
considered totally and permanently disabled and stating the
maximum hours of trial work recommended,
 You work less than 500 hours over 12 consecutive months
during your trial work period,
 Your disability does not cease during your trial work period,

 You have only 1 trial work period during any 1 period of
disability, and

 You do not work for more than 9 months (not necessarily
consecutive) during a trial work period.

During a trial work period, the suspension of benefits provisions
described in “Reemployment After Retirement,” beginning on
page 49, do not apply.

YOUR DISABILITY PENSION PAYMENTS

When selecting a form of payment for your disability pension,
there are differences that would not apply if you were selecting
the same form for a regular, early, late, or deferred vested
pension. These payment differences are detailed below.

Single Life Annuity
If you are eligible for a disability pension and select the single
life annuity, as described on page 38, and survive to normal
retirement age (age 65), you may change your payment form to
the 50% spouse pension or contingent annuitant benefit option,
as described beginning on page 38. This election would be
effective the first day of the month coinciding with or following
your 65th birthday, and will determine the form of benefit paid to
your spouse upon your death.