Glossary of Terms

Term	Description
Participant	You become a Participant when you work in Covered Service for an employer who is required to make contributions to this Plan.
Covered Service	Covered Service is work covered by a collective bargaining agreement for which your employer is required to make contributions to this Plan.
Contiguous Non-Covered Service	This includes service of any kind for a contributing employer which immediately precedes or follows Covered Service for that same employer.
Year of Service	You earn a Year of Service for each Plan Year in which you have at least 1,000 Hours of Service.
Hour of Service	Each hour you are paid or entitled to be paid for periods you work in Covered Service and for periods during which no work is performed such as hours for which back pay is awarded.
Plan Year	The twelve consecutive month period from July 1 of one year to June 30 of the next year.
Normal Retirement Age	The later of age 65 or the 5th anniversary of the date you became a Participant in the Plan, excluding participation before July 1, 1988
Pensioner	A Participant who has started to receive pension payments from the Plan.
Spouse	The person to whom a Participant or Pensioner is legally married in accordance with a marriage certificate issued by the state in which the marriage took place.

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