I.A.M. NATIONAL PENSION FUND, NATIONAL PENSION PLAN
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1 I.A.M. NATIONAL PENSION FUND, NATIONAL PENSION PLAN TRIUMPH COMPOSITE SYSTEMS June 11, 2015 Damien Anderson Education Representative
2 I.A.M. NATIONAL PENSION FUND, NATIONAL PENSION PLAN Set-up in 1960 to provide adequate retirement benefits to I.A.M. employees Separate organization from the I.A.M. Union and our Contributing Employers We are 155 th largest pension fund in the country 5th largest multi-employer labor management pension fund
3 I.A.M. NATIONAL PENSION FUND, NATIONAL PENSION PLAN 1 Fund office located in Washington, DC
4 NATIONAL PENSION PLAN Defined Benefit Pension Plan - provides known, monthly, lifetime benefits Defined Benefit Plans are insured by the Pension Benefit Guaranty Corporation (PBGC) Joint Board of Trustees: 50% Union and 50% Employer
5 NATIONAL PENSION PLAN Multiemployer pension plan 1,750 diverse contributing employers nationwide U.S. Airways; British Airways; Kellogg Co.; Honeywell Technology Solutions; Coca Cola Bottling Co.; DynCorp; Chicago Sun-Times; Spirit Aerosystems and many more Portability
6 NATIONAL PENSION PLAN 100,000+ active participants 90,000 retirees
7 NATIONAL PENSION PLAN $11 Billion in assets 103% funded as of January 1, years of steady growth Assets managed by professional full-time investment managers Nearly 12% long term annual rate of return
8 HOW BENEFITS ARE DETERMINED Non-contributory plan, only employer contributions are accepted Contribution rate negotiated between employer and the union Rates range from $.10 to $28.50 per hour Higher rates provide higher benefits
9 CONTRIBUTION 66 DATE & RATE Contribution Date: February 1, 2003 Current Contribution Rate: $1.75/hour $1.75/per hour = $76.10(Future Service Credit)
10 PLAN FEATURES TERMINOLOGY Vesting Service establishes eligibility for a benefit A year of Vesting Service hours in a calendar year Vested: 5 years of Vesting Service
11 PLAN FEATURES TERMINOLOGY Future Service Credit - Years of service for which contributions are paid to the Plan on your behalf A year of Future Service Credit 1,601 hours of service in calendar year Partial benefit for credit earned between 600 and 1,601 hours of service
12 ELIGIBILITY FOR NORMAL RETIREMENT Age 65, 5 years of Credited Service
13 ELIGIBILITY FOR EARLY RETIREMENT At least age 55, 5 years of Credited Service Benefits reduced 4.8% per year participant under age 65. If you have 20 years of Credited Service reduction to 62
14 EARLY UNREDUCED PENSION Any age with 30 years of Credited Service Age 62 with 20 years of Credited Service
15 DEFERRED VESTED 5 years of Vesting Service payable at age 55. Calculated same as Early
16 DISABILITY PENSION Any age, 5 years of Credited Service or 5 years of Vesting Service Calculated same as normal, regardless of age
17 STANDARD FORM OF PAYMENT FOR MARRIED PARTICIPANTS If married, 50% Spouse Pension, provides reduced lifetime pension to you and 50% of that amount to Spouse at Pensioner s death Includes Pop-Up
18 50% SPOUSE PENSION BENEFIT EXAMPLE Monthly Pension Benefit $1,000 Participant & Spouse same age - 10% reduction Participant s monthly benefit $ 900 If Participant dies Spouse s monthly benefit $ 450 If Spouse dies before Participant s benefit Pop-Up $1,000
19 STANDARD FORM OF PAYMENT FOR SINGLE PARTICIPANTS If not married, lifetime pension paid with 60 Certain Payments Guaranteed
20 OPTIONAL FORMS OF PAYMENT ALL BENEFITS PAID FOR PARTICIPANT S LIFETIME!!! 50%, 75% or 100% Spouse Option ( Pop Up ) 60 or 120 Certain Payment Option 60 or 120 Certain Payment Option with a partial lump sum Early Social Security Option
21 50% SPOUSE PRE-RETIREMENT DEATH BENEFIT If a vested participant dies prior to retirement, 50% Spouse Pre-retirement Death Benefit can be paid to Spouse 1st of the month following death, regardless of age
22 PRERETIREMENT DEATH BENEFIT FOR UNMARRIED PARTICIPANTS 60 unreduced payments payable to any beneficiary of a single deceased participant
23 LUMP SUM PRERETIREMENT DEATH BENEFIT One-time Lump Sum $200 times full years of FSC Actively working need 5 years of FSC Inactive need 10 years of FSC Payable in addition to the 50% Spouse Pre-retirement Death Benefit or the Pre-retirement Death Benefit for Unmarried Participants
24 APPLYING FOR A PENSION APPLICATION Request an application by: mail fax telephone through our web-site You cannot request your application more than 180 days before your intended retirement date.
25 NATIONAL PENSION PLAN MAILINGS Summary Plan Description (5/12) Summary of Material Modifications Annual Funding Notice Annual Statements
26 PENSION EFFECTIVE DATE 1st of the month following your last day worked or receipt of Pension Application, whichever is later.
27 WEBSITE General information about the Plan Model pension benefits at various contribution rates and ages with our Pension Calculator Get the answers to frequently asked questions Complete your pension application on-line
28 WEBSITE Review the Summary Plan Description Review the Summary Annual Report Search list of Contributing Employers View hours submitted on your behalf by your employer
29 I.A.M. NATIONAL PENSION FUND, NATIONAL PENSION PLAN Thank You!
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