In order to receive a pension, the Participant needs to become vested.       What is Vesting?   How Do I Vest and What is my Normal Retirement Date?   Qualified Years   Break in Service   Vesting Examples
How Do I Vest?	Currently, a Participant will vest if the Participant accrues five (5) Qualified Years. The five Qualified Years do not need to be consecutive years. However, any Qualified Years that were forfeited before January 1, 1998 due to a Permanent Break in Service do not count.
What is My Normal Retirement Date?	Also, a Participant may vest with less than five Qualified Years, if the Participant reaches his/her Normal Retirement Date. In order for a Participant to vest by reaching his/her Normal Retirement Date, the Participant must meet all of the following requirements: Age 65 or older; and Either: Ten years have elapsed since participation in the Plan began and the Participant has not experienced a Permanent Break in Service; or Effective January 1, 1998, has accumulated five Qualified Years (ignoring Qualified Years forfeited before 1998); or Effective January 1, 2003, four years have elapsed since participation in the Plan began (ignoring participation before January 1, 1998), and the Participant has not experienced a Permanent Break in Service.