* Administering Health, Pension and Vacation Benefits For the Men and Women Who Help Build the Southwest *
Participants who become totally disabled on or after July 1, 2011 may be provided a Disability benefit through the Southwest Carpenters Health and Welfare Trust.
An individual receiving an Early Retirement Pension under the Southwest Carpenters Pension Plan may be entitled to the supplemental long term monthly disability benefit if the individual was granted a Social Security Disability Award effective within 12 months of the date the Administrative Office received the completed Early Retirement Pension application. The individual must apply for Long Term Monthly Disability Benefits within 90 days following the date of the Social Security Disability Award. Contact the Administrative Office for the necessary application form.
The form of payment for a Totally Disabled Eligible Individual who is not married on the date of commencement of the Long Term Monthly Disability Benefit is equal to the monthly amount of the Normal Pension that would be payable solely during the life of the Eligible Individual commencing at age 65.
If you are married, your benefits will be calculated using the 50% Qualified Surviving Spouse Pension factor. The amount of the reduction is based on the ages of the participant and his/her spouse at the time of application. There will be a smaller reduction if the spouse is older than the participant and a greater reduction if the spouse is younger. The Qualified Surviving Spouse reduction is 78% plus/minus .4% for each year the spouse is older/younger than the participant. This election remains in effect upon any subsequent separation or divorce.
The Long Term Disability shall terminate upon the occurrence of any of the following events:
If deemed disabled by Social Security Administration before July 1, 2011, see the Southwest Carpenters Pension Plan for a Disability Pension.
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