How To Begin The Retirement Process

Contact the Office Manager of IBEW Local 46, or the Administration Office listed below, to begin the application process at least six (6) months in advance of retirement.

Complete the paperwork and return it along with a copy of your birth certificate to the party from which it was sent.

If you are retiring on disability, also enclose a copy of your Social Security determination for each Pension you are applying for. A Social Security Disability Award is not a guarantee of disability.

You will then be contacted for more information, or with Pension approval, including the benefit amount.

International Office Request an Application from the Office Manager of IBEW Local 46. For information, go to the website at:www.ibew.org	Puget Sound Electrical Workers Pension Plan & Local 46 IBEW Retirement Annuity Play c/o Welfare & Pension Administrative Services, Inc. To request an application, Plan Booklet or verify your Pension Benefits, please call the Administration Office at: 206-441-7574 or 1-800-331-6158 www.wpas-inc.com
National Electrical Benefit Fund Request an application from the Office Manager of IBEW Local 46. To contact the NEBF Office, please write to: 2400 Research Blvd., Suite 500 Rockville, MD   20850 301-556-4300  or www.nebf.com	IBEW Pacific Coast Pension Fund Request an application from their office at: 5 Third Street, Suite 525 San Francisco, CA  94103 1-800-257-1515

BASIC RULES
	I/O	NEBF	PSEW	Pacific Coast
Normal Pension	65 years old, plus 5 years continuous good standing.	65 years old, plus 5 years credited service.	65 years old, plus 5 years credited service w/o a break in service.	63 / 65 years old, plus 5 years credited service.
Early Pension	62 years old plus, 20 years continuous good standing.	60 years old, plus 5 years credited service.	55 years old, plus 10 years credited service w/o a break in service.	55 years old, plus 10 years credited service.
Early Unreduced	N/A	N/A	Contact WPAS	55 years old with 30 years credited service with Pacfic Coast.
Disability Pension	Total & Permanent disability, plus 20 years continuous good standing.	Social Security Disability award plus 5 years credited service.	Total & Permanent disability, plus 10 years credited service w/o a break in service and 2 future service or 3,000 covered hours.	Social Security Disability award plus 10 years credited service.
Vested Pension	See Plan	See Plan	See Plan	See Plan
Work rules after Pension has begun	Can't work at all.	Any work must be under 40 hours per month.	Special Early = 0 hours. Contact WPAS	Any work must be under 40 hours per month.
NOTE: Only the Board of Trustees for each plan is authorized to interpret the Pension Plan for their Trust. The above is to be used only as a reference tool, as other rules and conditions of employment may also have to be met. Before you stop working, contact the Trust Administrator for details about your eligibility for benefits.