United Food & Commercial Workers

Unions and Employers

Midwest Health and Pension Funds

UFCW Calumet Region Insurance Fund

Retirement Ages and Types

Your pension can begin only when you have reached the required age and have met the vesting requirements. The retirement age and type of pension you qualify for will depend on when you leave Covered Employment and on your years of Eligibility Service.

Normal Retirement Age and Normal Retirement

The current Normal Retirement Age is age 65. If you have met the vesting requirements, you can retire and begin receiving your unreduced pension at age 65. This is referred to as a Normal Retirement.

There are certain Plan provisions which allow you to begin receiving your unreduced pension prior to age 65:

  • For service accrued through 2010, the benefit you earned can be paid to you at age 60 with no reduction.
  • For service accrued after 2010, the benefit you earned can be paid to you with no reduction if you leave Covered Employment at age 55 or later.

See the Determining Your Pension Amount page of this website for information on calculating your Normal Pension amount.

Early Retirement

You can retire and begin receiving your pension as early as age 55. You are eligible for an Early Pension when you have met both of the following requirements:

  • you have reached age 55, and
  • you have earned 10 or more years of Eligibility Service without a Break-in-Service.

An Early Pension that begins before your Normal Retirement Age is payable in a reduced amount because you will be receiving pension payments for a longer period of time:

  • For service earned through 2010, the reduction is 1/3 of 1% for each month (4% per year) that you retire before age 60.
  • For service earned after 2010, the reduction is an actuarial factor calculated so that your Early Pension has the same economic value as your Normal Pension. The actuarial factor currently averages between 6% and 7% per year that you retire before your Normal Retirement Age.

See the Determining Your Pension Amount page of this website for information on calculating your Early Pension amount.

Disability Retirement

You can retire and begin receiving your pension at any age if you meet all of the following requirements:

  • you are permanently disabled; and
  • you have earned 10 or more years of Eligibility Service without a Break-in-Service; and
  • you have applied for a Disability Insurance Benefit under the Federal Social Security Act; and
  • you were disabled at the time you last worked in Covered Employment; and
  • you have not received any other pension payments from the Plan; and
  • you file an application with the Fund Office for a Disability Pension as soon as possible but no later than seven calendar years of becoming disabled.

The above provisions apply to you if you were working in Covered Employer after January, 2009.

You are permanently disabled if:

  • You have a proven physical or mental condition that permanently prevents you from performing both your usual duties or the duties of such other position or job for which you are qualified by reason of your training, experience and abilities. The Board of Trustees determines whether you are permanently disabled based on a medical examination by a doctor or clinic appointed by the Board. Or, the Board may use other evidence satisfactory to them to make the determination.
  • You qualify for a Disability Insurance Benefit under the Federal Social Security Act.

A Disability Pension is payable after you have been disabled for six full months. It is payable for as long as you remain disabled. Retroactive benefits may not be paid for longer than twenty-four months prior to your applying for a Disability Pension.

If you become disabled, it is important that you contact the Fund Office immediately. Any delay in applying for a pension could affect the date you are eligible for your Disability Pension to begin.

See the Determining Your Pension Amount page of this website for information on calculating your Disability Pension amount.

(Updated 06/19/13)