养老金常见问题
请参阅 LDC&C养老基金概要计划说明(SPD) for a more detailed explanation of all of your pension benefits. 由于获得的学分数量或最后工作时间，某些个人可能无权获得某些福利.
养老金额度
You can check your 养老金额度 and Hours Worked through MemberXG. 你亦可检视你的退休金周年报表. 关于声明, 选项1将显示您的总学分数, 选项2显示你的总小时数. If these are not viable options, you can call the Benefits Office for assistance.
不，你不能买养老金积分.
在一般情况下, you can only earn 养老金额度 by working in covered employment; however, 养恤基金还在某些情况下向残疾成员和被召服现役的成员提供养恤金信贷.
- 1,000 hours or more in a calendar year = 1 养老金 Credit
- 750 - 999小时= 3/4学分
- 500 - 749学时-半学分
- 250 - 499学时= 1/4学分
收益支付
You must be retirement age and vested to be entitled to any type of pension benefit from the Fund. 一般, your pension will only be paid as a monthly benefit. You can only receive a one-time lump sum payment if your monthly benefit is less than $200. 任何一笔过付款的款额将于会员申请退休金前计算.
在你达到退休年龄并有足够的退休金和可兑现信用额度退休之前，你的养老金没有任何价值. We do not calculate the total value of your pension, just the monthly amount. This is not a 401K-type benefit plan; this is a defined benefit plan.
您将仅有资格根据工作时数和获得的学分从本基金中获得每月福利, 而不是为你捐了多少钱. 您的退休金年度报表将显示您在正常退休年龄时每月的退休金金额, 假设你被授予了权利. 这一数额可以因提前退休而减少, 税, 保险费, 配偶选择, 以及合格的国内关系订单.
这不是一个简单的答案. It depends on where you work, what you do, how much you work, and how old you are.
在达到法定退休年龄(60岁)之前，不得在本基金管辖范围内从事劳动者或监督劳动者工作，仍可领取养老金, 62, 65岁取决于你上次工作的时间.)
- 正常退休年龄后, 你每个月只能作为劳动者(或监督劳动者)工作39.5小时，还能领取养老金.
- 70岁半以后, you can work as many hours as you want as a laborer and still receive your pension check.
- 你退休后可以不受限制地从事任何其他类型的工作(除了劳动和监督工人)，而不会影响你的养老金待遇.
- You can also work outside of the Fund’s jurisdiction without it affecting your pension benefit.
- The Fund’s jurisdiction covers all of Ohio; Boone, 坎贝尔, and Kenton counties in Kentucky; and Belmont, 布鲁克, 以及西弗吉尼亚州的汉考克县.
- In an industry in which employees covered by the 养老金 Plan were employed and accrued benefits under the 养老金 Plan as a result of such employment at the time that the payment of benefits commenced or would have commenced if the employee had not remained in or returned to employment; and
- In a trade or craft in which the employee was employed at any time under the 养老金 Plan or any other trade or craft by the 养老金 Plan; and
- 在养恤金计划所涵盖的地理区域内，如果雇员没有继续工作或重返工作岗位，福利开始支付或将开始支付.
上述“不合格就业”的定义包括与任何实体或个人的就业或自雇，且不限于有工会组织的雇主或雇主. 任何监督实施不合格雇佣的员工的员工都在不合格雇佣中工作.
养老金支票和直接存款凭证在每个月的最后一个工作日同时寄出. 然而, 由于邮政系统的延误, your pension check will not always be received on the same date every month. 如果你的支票或凭证是“迟到的”,” please do not call 永利app下载s until after your mail runs on the 10th of the month. 那时，可以要求停止支付支票. Once our bank has confirmed a stop pay has been placed (usually within 24 hours), 然后永利app下载将开具一张替换支票.
如果你选择直接存入你的福利, the deposit should be at your bank the first business day (Monday through Friday, 不包括假期). Please note: Certain banks hold the deposit for 24 hours before releasing payment. 如果你的钱没有及时存入银行, please contact 永利app下载s as soon as possible to determine the issue.
If you have recently changed addresses (regardless of whether your check is mailed or deposited), 重要的是，你要尽快联系永利app下载中心，更新你的地址. If the Benefits Office receives return mail on your behalf and we are unable to contact you, your pension benefit will be suspended until an updated address is submitted.
Make sure you update 永利app下载s if your address changes. Updating your address at your Local does not change it at the Benefits Office. 要更新您的地址，您可以向福利办公室发送包含新地址的通知或地址更改卡, 社会安全号码, 还有你的签名. You can also call the Benefits Office and update it over the phone (成员 only). If the Benefits Office receives return mail due to an incorrect address, 你的保险和退休金可能会被暂停.
会员可透过 MemberXG.
退休
您应在希望开始领取退休金前90天左右提出申请，以便有足够的处理时间. You do not have to wait until you quit working to apply. 欲了解更多信息，请查看 申请过程.
是的, 永利app下载s offers benefit counseling to 成员. A representative from the Benefits Office will meet you at your Local Union hall. 在会议上，福利顾问可以回答你关于养老金或退休保险的任何问题, 以及, assist you with completing all of the necessary paperwork to get started. Simply call the Benefits Office to schedule an appointment.
No, unless you have been approved for a disability pension. 否则, 你需要至少53岁(或58岁), 但对于属于2018年规则的成员，年龄在62岁之前(有关2018年规则的更多信息，请参阅您的养老金SPD第6页)，并满足其他兑现要求以获得养老金福利. 符合从最不发达国家领取伤残抚恤金的资格&C退休基金，你必须:
- 被视为终身残疾(一种使你无法从事建筑工人工作的状况);
- 有10个养老金积分，然后呢
- Work at least 250 hours in the year you become disabled or the year prior to your disability.
No. Once you cash your first check, you are locked in at the option you elected.
是的, 如果你在开始领取退休金时符合资格，你可以在退休后保留你的保险. 退休保险的费用取决于你拥有的养老金积分的数量，以及你是否为你的配偶和/或受抚养的孩子提供保险. 一般, the more 养老金额度 you have, the cheaper the retiree insurance is.
受益人
是的. 如果你被授予, your spouse is entitled to a pension benefit upon your death, unless you have been married for less than one year at the date of your death.
- 如果你被授予 and retirement age at the time of your death, 你的配偶有权在你死后第一个月的第一个月领取终身抚恤金.
- 如果你被授予 but not yet retirement age at the time of your death, 当你达到退休年龄时，你的配偶将有资格获得每月的终身福利. 另外, 你的配偶可以选择在你去世时获得一笔一次性付款，然后在你达到退休年龄时获得每月精算减少的终身福利.
- If you have not been married for a year at the time of your death, your spouse would only be eligible for a lump sum benefit.
如果你退休了, and both you and your spouse are eligible for insurance, 如果你的遗孀在你去世时符合资格，那么她将有权继续获得OLDC-OCA保险基金的保险. If at anytime your spouse’s insurance was terminated prior to your death, they will not be eligible under the OLDC-OCA 保险 Fund. 如果你没有退休, your widow will only be eligible for 36 months of COBRA coverage, assuming he/she was eligible for insurance at the time of your death.
如果你被授予, your beneficiary will receive a one-time lump sum benefit. 一般, 你的受益人将收到1美元,你所赚取的每笔退休金抵扣, 最多30个学分. For 成员 who do not have 500 or more hours at the $1.70(1995年5月)，一次总付津贴为每笔养恤金贷记500美元，最多贷记25笔.