Pension Plan Summary Plan Description

7. TYPES AND FORMS OF PENSIONS

The Plan provides for three types of pensions: Normal Pension, Early Pension and Disability Pension. Generally, a Normal Pension is a pension that begins on or after Normal Retirement Age and an Early Pension is a pension that begins before Normal Retirement Age. This article discusses how benefits are paid out (the "form"of distribution) and a special rule allowing you to enhance your pension. The timing of the commencement of a Normal Pension and Early Pension is discussed in Article 8. Disability Pensions are discussed in Article 9.

IN THIS SECTION:
7.1 Available Forms of Normal and Early Pensions
7.2 Pop-Up Feature
7.3 Pension Enhancement from Retirement Savings Plan