Earning Pension Service Credit
		Vesting Your Pension
		Retirement Ages and Types
		Determining Your Pension Amount
		Different Ways to Receive Your Pension
		Applying for Your Pension
		Appeal of Denial of Benefits
		Pension Plan Application Procedures
		Forms and Publications

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PENSION BENEFIT GUARANTY CORPORATION (PBGC)

As required by Federal law, certain benefits under the Pension Plan are insured by the Pension Benefit Guaranty Corporation, a Federal agency to which we pay annual premiums. If, for some reason, the Plan is unable to pay benefits when due, PBGC guarantees that benefits will be paid, even if the Plan terminates.

Generally, the PBGC guarantees a portion of most vested normal retirement age benefits, early retirement benefits, and certain survivors' pensions. The amount of a pension that is guaranteed will depend on years of service and level of monthly benefits under the Plan.

For more information on the PBGC insurance protection and its limitations, contact the PBGC at www.PBGC.gov.

The PBGC insures retirement incomes of about 42 million American workers in more than 44 thousand defined benefit pension plans. We don't feel that you will ever need the protection provided by PBGC, but it's nice to know it's there!

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