Massachusetts Laborers' Benefit Funds: Pension fund

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Regular & Early Retirement Pension


Disability Pension


Special Minimum Pension


Service and Other Pensions


Hours Bank


Credits and Vesting


Payment Options


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Regular & Early Retirement Pension

	Regular Pension	Early Pension
Minimum Age	Age 62 if you have earned ¼ pension credit after January 1, 1986. Otherwise, age 65.	Age 55
Pension Credits and Other Requirements	- Earned at least 15 pension credits - Retired from covered employment	- Earned at least 15 pension credits - Retired from covered employment
Basic Benefit	Benefit rate multiplied by the number of pension credits.	Same as regular pension but it is lowered because benefits will be paid over longer period of time.
Payment Options Surviving Spouse/Beneficiary Benefits	- 50% Husband and Wife (automatic for married members) - 75% Husband and Wife - 100% Husband and Wife - 60 Certain Payments (automatic for single members) - 120 Certain Payments - Lump-Sum Readjustment Allowance (LSRA) - Lump-Sum Payment (automatic for a pension benefit with a value of $5,000 or less)
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Social Security Administration

IRS

AARP

Massachusetts Laborers' District Council

Laborers' International Union of North America (LIUNA)

This information is intended only to provide highlights of the plans. In the event of any inconsistency between the information on this Web site and the official plan document, the terms of the official plan document, as interpreted by the Board of Trustees in its sole discretion, will control. All examples and projections included on this Web site are not a guarantee of future benefits under the plans. The benefit amounts are estimates only, based on the stated assumptions and are subject to change.

The Massachusetts Laborers' Benefit Funds reserve the right to amend, modify, or terminate all or part of any plan at any time.