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Summary Plan Description

Pro-Rata Pension

If you do not meet the service requirements for a pension because your years of employment are divided among two or more pension funds, the International Reciprocal Agreement for Sheet Metal Workers’ Pension Funds (Reciprocal Agreement) may allow you to meet eligibility requirements for a pension benefit under this Plan.

The Pro-Rata Pension allows you to use pension credit earned under another pension plan that participates in the Reciprocal Agreement to qualify for a pension under this Plan. Your pension benefit will be based on the pension credit and benefit you earn under each plan.


This page includes only highlights of the Plan’s pro-rata pension rules. See the Details Tab for more information.

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