Listed below is a brief explanation of the Benefit options available to you:
Single Life Pension with a Sixty Month Guarantee
You receive monthly payments for your lifetime, with a guarantee of 60 monthly payments. This means that if you were to die before 60 monthly payments are made, payments will continue (until the end of the 60-month period) to the beneficiary specified under the Plan
Single Life Pension with No Guarantee
Under this option, you receive monthly payments for your lifetime, with no survivor benefit. The monthly payment under this option is higher than under the Single Pension with 60-Month Guarantee. The last payment will be made for the calendar month in which you die.
Qualified Joint and Survivorship (50%, 75% or 100%)
You receive a monthly benefit that is less than the amount payable under the Plan’s normal form of benefit (Single Life with a 60 month guarantee). If you elect this option, following your death, if your spouse survives you and you have been married to him or her for at least one year prior to your death, your spouse will receive a monthly benefit equal to either 50%, 75% or 100% (as you elect) of the monthly benefit you had been receiving during your lifetime. The reduction in your lifetime monthly benefit is greater if you elect the 100% survivor pension because the value of the monthly pension to your spouse is greater. If your spouse dies before you, the reduced benefit you are then receiving will continue with out change during your lifetime.
Qualified Joint and Survivorship with Restoration Feature (50%, 75% or 100%)
You will receive a reduced monthly benefit (as compared with the Plan’s normal payment form) based on the value of a joint and surviving spouse’s pension. If you elect this option and you die before your spouse, and have been married to him or her for at least one year prior to your death, your spouse will receive monthly payments equal to 50%, 75% or 100% of your monthly benefit (as you elect) for the remainder of his or her lifetime. However, if your spouse predeceases you, your monthly benefit will be increased (“restored”) to the monthly benefit you would receive under the Single Life Pension with No Guarantee.
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