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Post-retirement benefit accrual
Additional Earnings Before Age 65
If you are younger than age 65 and your benefits are suspended, you may be entitled to an increased pension at age 65 based on the Pension Credit received during the periods of suspension.
Your maximum pension amount will be based only on the Pension Credits used in the calculation of your benefit. If you earned a Pension Credit but your pension was not suspended, that Pension Credit will not be included in the calculation of your increased benefit, nor will it be used to determine your maximum benefit tier - subject to the Plan's maximum pension amount
If you do not have a spouse when you reach age 65, the additional benefit will automatically be paid in the Five-Year Certain form unless you elect to receive this benefit in the same form as your original monthly benefit.
If you have a spouse when you reach age 65 and elected the 50% Joint and Survivor Pension when you first retired, the additional benefits will be paid in that form unless you reject it and elect payment in the Five-Year Certain form.
If you have a spouse when you reach age 65 and elected a form of payment other than the 50% Joint and Survivor Pension when you first retired, the additional benefit will be paid as the 50% Joint and Survivor Pension unless you reject it and elect your previous form of payment. Any rejection of the 50% Joint and Survivor Pension requires the written consent of your spouse.
Additional Earnings After Age 65
If you are age 65 or older, you will be entitled to an increased pension (subject to the maximum pension amount) for additional Pension Credit(s) on and after your 65th birthday (including residuals) received after retirement.
The increased pension is calculated annually and is effective January 1st. However, to make sure that the Plan Office has received all your earnings from a calendar year before your pension is adjusted, the actual adjustment will be done in May or June of each year. Any increase will be retroactive to January 1st.