Health & Welfare and Pension Funds
of Philadelphia and Vicinity

Partial Pensions and Reciprocal Agreements

Partial Pensions are provided under the Pension Plan if you lack sufficient credit to be eligible for benefits under this Plan but you have credit under another pension plan that has a reciprocal agreement with this Plan. A Reciprocal Agreement is an agreement between two Pension Plans that each will recognize service in the other plan for purposes of determining eligibility for benefits. A plan that has a Reciprocal Agreement with the Plan is called a "Related Plan." You are eligible for a Partial Pension under the Pension Plan if you satisfy all of the following requirements:

1. You have combined credit for benefit accrual purposes ("combined service credit") under both this Plan and a Related Plan of at least 10 years; and

2. In addition to any other requirements necessary to be eligible under paragraph (1) above, you have at least two years of contributions paid into this Plan by an Employer on your behalf, and

3. You are also eligible for a Partial Pension from a Related Plan as well as a Partial Pension from this Plan, and

4. A pension is not payable to you from a Related Plan independently of its provisions for a Partial Pension. However, if you are entitled to a pension other than a Partial Pension from this Plan or a Related Plan, you may elect to waive such other pension and qualify for the Partial Pension.

In applying the rules of this Plan with respect to Breaks in Service, any period in which you have earned service credit with a Related Plan will not be considered as an interruption of service under this Plan.

The amount of the Partial Pension that you are entitled to under this Plan will be determined as follows:

a. First, it is determined the amount of the pension to which you would be entitled under this Plan taking into account your combined benefit service credit under this Plan and under the Related Plan. In determining the level of benefits payable by the Plan for purposes of the foregoing sentence, the Plan will use the level of benefits associated with your contribution Basis when you last participated in the Plan, in effect in this Plan on the date when you last earned credit under this Plan or a Related Plan.

b. Second, the amount determined in paragraph (a) above is multiplied by a fraction. The numerator of this fraction is the total Benefit Service you earned under the Plan, and the denominator is the total benefit service you earned on and after January 1, 1955 under this Plan and all Related Plans. The payment of a Partial Pension shall be subject to all the conditions contained in this Plan applicable to other types of pensions including retirement from employment and making a timely written application for benefits.

 Last Date Updated :  01/10/07