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This document contains answers to the following questions:
1. What does the retirement plan of the retirement
fund of Local 305 CIO's Pension Fund mean to me?

2. When do I become a participant of the plan?

3. Who pay for my benefits?

4. What words have special meanings?

5. When may I retire?

6. How will my benefit be paid out when I retire?

7. How much will my monthly retirement benefit be if I retire on or after age 65?

8. What would my benefit be if I retire early?

9. What would my benefit be if I retire under the
disability retirement provisions?

10. What happens to my benefit if I transfer out of
covered employment?

11. What is vesting? How do I become vested in the
benefits of my pension plan?

12. What if I stop work in covered employment
before I retire?

13. Is it possible that I might lose my credits
for benefit purposes?

14. What if I should die?

15. Can I expect to receive anything from
social security?

16.  Can I lose any of my benefits from this plan?

17. What happens if the plan terminates?

18. How is my plan administered?

19. How do I file a claim for benefits under my plan?

20. If my claim is denied, how do I file an appeal?

21. Is there anything else I should know about the plan?