UFCW LOCAL 1776 And PARTICIPATING EMPLOYERS
PENSION FUND

Table of Contents		Summary Plan Description
General Information Concerning Your Pension Plan		Form of Payment
Type of Plan		How will my pension benefit be paid to me?
Plan Sponsor and Plan Administrator		What is a Single-Life Annuity?
Fund Office		What is a Qualified Joint and Survivor Annuity with Pop-up?
Employer Identification Number and Plan Number		What other forms of payment are available?
Plan Year		How is the Level Income Option payment calculated?
Agent for Service of Legal Process		Can I choose the Level Income Option if I also want my spouse to receive the Qualified Joint and Survivor Annuity
Participating Employers		When will my benefit be paid in a single sum?
Investments		Death Benefits
Description of the Plan		What happens if I die after I retire?
What is the Plan?		What happens if I die before I begin receiving benefits?
Do I pay anything into the Plan?		How do I designate a beneficiary?
How much do the Participating Employers contribute?		Work After Retirement
If I participated in prior plan, will my participation in this Plan be affected?		Applying for Benefits
Participation and Service		When will I begin receiving benefits?
When do I become a Participant in the Plan?		How do I apply for my benefits?
How is my service counted under the Plan?		How do I elect to receive a form of payment?
What does Credited Service mean?		What if my claim for benefits is denied?
Can my Credited Service be lost or cancelled?		How are my benefits taxed?
Eligibility for Benefits		Can my pension benefit be assigned to another person?
When am I eligible for Normal Retirement Pension?		What about my Social Security benefits?
What will my Normal Retirement Pension be?		How can I obtain additional information about the Plan?
What happens if I continue working beyond my Normal Retirement Age?		Loss of Benefits
May I retire before I reach my Normal Retirement Age?		Amendment and Termination of the Plan
How much will I receive if I elect to retire under the Rule of 90 Pension?		Pension Benefit Guaranty Corporation
How much will I receive if I elect to receive an Early Retirement Pension?		Your Rights Under ERISA
What happens if I become totally and permanently disabled?		Appendix A
When am I eligible for a Deferred Vested Retirement Pension?
Does the Plan provide any cost-of-living adjustments?		Home