What Happens If I Stop Working in Covered Employment Before I Retire?

As long as you have earned at least 10 pension credits, you are entitled to receive a deferred pension at age 65 no matter when you stop working in covered employment. If you stop working before you’ve earned 10 pension credits, you may qualify for a withdrawal/termination benefit. If you make voluntary employee contributions to the Pension Fund and leave covered employment before you’ve earned 10 pension credits, you will receive a refund of your employee contributions, plus any interest earned on those contributions, paid as a lump sum.

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