- Active Health
- Retiree Health
- DB Pension
- DC Pension
- SUB Plan
You can receive an unreduced Early Retirement Benefit if you meet the eligibility requirements for that benefit and have not completed a Grace Period.
A Grace Period is defined as working less than 375 Covered Hours in each of two (2) consecutive Plan Years. If you complete a Grace Period, benefits earned for service completed before the Grace Period will be frozen and will not increase even if you later return to Covered Employment.
You will not incur a Grace Period for any period you were a signatory contractor to an IBEW collective bargaining agreement.