This page is intended as a quick reference guide only. It provides general information about the benefits provided by the Plan and the eligibility requirements for those benefits.

Benefits upon Retirement
Regular Pension	In most cases, age 63 with 10 Years of Credited Service (two in Credited Future Service) for those last working in Covered Employment at the maximum contribution rate. (Five Years of Credited Service for Non-Bargained Employees.)
Early Pension	At least age 55 with 10 Years of Credited Service (two in Credited Future Service) and no permanent Break in Service.
Pro Rata Pension	Credited Service from this Plan combined with credited service from Related Plans may qualify you for a pension from this Plan.

Benefits in Case of Disability
Disability Pension	Any age before your Regular Retirement Age with 10 Years of Credited Service (two in Credited Future Service) including at least two quarters in the two Plan Credit Years immediately before the onset of the disability. Also, must meet the requirements for a Social Security Disability Benefit or must apply to the Board for a determination of eligibility.

Payment Forms

$3500 Cashout	If the total value of your pension is less that $35000, you will receive it as a lump sum payment.
Single Life	If you are not married, or if you and your spouse reject the Husband-and Wife form of payment.
Husband and Wife	50% - normal form of pension if married; surviving spouse receives 50% of participant's monthly benefit amount. 100% - optional; surviving spouse receives 100% of participant's monthly amount.

Benefits in the Event of Death Before Retirement 

If married (vested participant)

Surviving spouse receives 50% of accrued benefit or five-year guarantee option if Participant dies before age 55.

For the following benefits, the participant must have earned two (2) quarters of Credited Future Service or of Related Service in the two consecutive Plan Credit Years before the Plan Credit Year in which the Participant dies.

If single (vested participant)	60 monthly payments of accrued benefit to your Beneficiary. Be sure the Fund Office has a current Designation of Beneficiary form on file for you.
Any participant with two (2) Years of Credited Service, but less than 10 Years of Credited Service and two (2) quarters of Credited Future Service in the two (2) consecutive Plan Credit Years before the Plan Credit Year in which he dies.	Lump sum benefit equal to 50% of employer contributions made or required to be made on your behalf.

How To Apply For Benefits Submit an application before the month in which the pension is to be effective, preferably six (6) months prior to desired effective date. Send completed application and all attachments to Fund Office at: IBEW Pacific Coast Pension Fund 5 Third Street, Suite 525 San Francisco, CA 94103 415-896-5742 1-800-257-1515