Pension Plan Summary Plan Description

3.1 Eligibility and Commencement of Participation

As an Employee, you commence participation, and become a Participant, on the first day of the Plan Year (which is the calendar year) that includes the last day of the first 12-month period during which you earn 300 hours of Pension Credit or 500 hours of Credited Service. You are an "Employee" if you perform work under a collective bargaining agreement with IBEW Local 6 (Collective Bargaining Agreement or CBA), or if you are another individual allowed to participate under a Subscription Agreement. An Employer is an employer required by a Collective Bargaining Agreement, or a Subscription Agreement, to contribute to the Plan. Subscription Agreements are separate written agreements allowing Employers to fund the Plan for certain employees of IBEW Local 6 and the San Francisco Electrical Workers Joint Apprenticeship Training Committee (JATC), and Alumni Employees. Alumni Employees are former bargaining unit employees performing services for IBEW Local 6, the JATC or an Employer meeting certain IRS requirements.

Upon commencing participation, you must complete a form (available at the IBEW Local 6 office or the Plan Office) stating your address, social security number, beneficiary designation, birth date and other information necessary for administering your Plan benefit. You must keep the Plan Office informed if you change your address so the Plan may communicate with you concerning Plan changes and required notices.