If your contract requires your employer to contribute to Program D based on your work, you are covered by the pension plan. Your pension was formerly called the National Conference of Firemen and Oilers (NCFO) Pension Fund.

Once you are vested, you are entitled to a pension at 65 even if you leave your union job before age 65. You are vested if you have 5 years of Vesting Service starting with your date of hire. The rules are complicated, so if you’re not sure, call Member Services to find out if you are vested.

You can retire with an Early Retirement Pension at age 55 if you have 10 or more Service Credits and worked in Covered Employment for at least 500 hours of service after age 53. Your pension is reduced if you retire before age 65.

Your pension is based on the number of Service Credits you have earned and the amount your employer contributes to Program D each year. Your Service Credits start counting once you become a participant (generally after a year of employment).

Yes. If you are married, you must opt for a Joint and Survivor Pension unless your spouse waives their right to a benefit. With a Joint and Survivor Pension, you receive a pension for your lifetime and if you die before your spouse, your spouse receives a reduced benefit for their lifetime.

• Your Summary Plan Description (SPD) describes your benefits in detail. If you no longer have your copy, contact Member Services for a new one.
• You can find a lot of information online at www.32bjfunds.org, including a copy of your SPD.
• You can get information about the benefit you have earned by calling Member Services and asking for an estimate.
• If you are approaching retirement age or thinking about retiring, call Member Services and request an appointment with a Retirement Counselor. Member Services: 1-800-551-3225