RETIREMENT PLAN
The Southern California Pipe Trades Retirement Fund is a defined benefit pension plan.

The Benefits are paid for by Employers who make contributions on behalf of their Employees on a per-hour basis under a Collective Bargaining Agreement or other Participation Agreement.

Employees or Participants in the Plan accumulate credit under the Plan based upon their years of employment covered by the Plan.

Qualification for benefits and the amount of those benefits are based upon the Participant’s years of service with Contributing Employers and his or her age at retirement.

Benefits are also provided at death or disability for eligible Participants.

For further information on the Retirement Plan, please refer to the Summary Plan Description (SPD).

RETIREMENT PLAN SUMMARY PLAN DESCRIPTION & SUPPLEMENTS

Summary Plan Description - Nov 06
(SPD includes Supplements #1 through #13)

Supplement #14 - Sep 07
(Non-Spouse Beneficiary Rollovers and Joint and Surviving Benefit Factors)

Supplement #15 - May 08
(Expansion of Time to Consider Retirement Options and new 75% Joint and Survivor Annuity Option)

Supplement #16 - Oct 08
(Definition of Spouse)

Supplement #17 - Jan 09
(Reallocation of Contribution)

Supplement #18 - Sept 09
(Eligibility for Death Benefits Under the Heroes Earnings Assistance and Relief Act of 2008 ("HEART Act"))

Supplement #19 - Oct 09
(Rollover of Distribution from the Plan to a Roth IRA)

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