Laborers' District Council
Construction Industry Pension Plan
Summary Plan Description (SPD)

Return to LDC Home Page
Download the SPD

Contents

To Our Members

Trustees and Professionals
Introduction
Glossary of Terms
    Active Participant
    Annuity Benefit
    Benefit Rate
    May 1, 2005 Increase For Pensioners
    Benefit Service (Credited Service)
    Break-In-Service
    Collective Bargaining Agreement
    Contributing Employer
    Contributions
    Covered Employment
    Disqualifying Employment
    Employee
    Future Service
    Normal Retirement Age
    Past Service
    Pension Fund
    Pensioner
    Plan
    Trustee
    Union
    Vested
Plan At-A-Glance
    Am I Eligible To Participate In The Plan?
    How Do I Qualify For Benefits?
    How Is My Pension Calculated?
    How Is My Pension Paid?
        Life Annuity With 60 Payments Guaranteed
        Regular Life Annuity
    What Happens To My Pension If I Die Before I Retire?
    What Happens To My Pension If I Die After I Retire?
    How Do I Claim My Benefits?
Earning Service
    Past Service Credit
    Future Service Credit
    Break-In-Service
Qualifying For Benefits
    Normal Retirement
    Reduced Early Retirement
    Unreduced Early Retirement
    Disability Retirement
    Deferred Vested Benefit
Calculating Your Benefits
    Normal Retirement
    Early Retirement
    Disability Retirement
    Deferred Vested Benefit
    Partial Pensions
How Your Benefits Are Paid
    If You Are Not Married When You Retire
    If You Are Married When You Retire
    Pop-Up Benefit
    Electing Another Form of Payment
    Death Benefits
    Surviving Spouse Pension
    Lump-Sum Death Benefit

    Reemployment After Retirement
Annuity Benefit
    How Your Account Balance is Calculated
    Vesting
    How Your Account Balance Will be Paid
Claiming Your Benefits
    If Your Claim is Denied
Other Important Information
    Non-Assignment/QDRO's
    Plan Termination
    Plan Funding
    Incompetence of Pensioner
    Your ERISA Rights
    Administrative Information