Pension Credits | Employee Benefit Funds

Pension Credits help determine the amount of Pension you will receive at retirement. You may receive up to one Pension Credit per Calendar Year, but never more. Generally, once you begin working in Covered Employment, the hours you work (or for which you are paid – such as vacation time) in the 12-consecutive-month period you achieve Active Participation status and each Calendar Year which follows will count toward earning Pension Credit. These credits are earned differently depending upon the time period in which they were earned and also according to your type of employment.

For Each Calendar Year: (Beginning January 1st, 1976 and After)*

Members who worked at least:	Earn these Pension Credits:
1,000 or more hours (an average of 20 hours per week per year)	1 Credit
750 hours (an average of 15 hours per week per year)	3/4 Credit
500 hours (an average of 10 hours per week per year)	1/2 Credit
Banquet Waiters who worked at least:	Earn these Pension Credits:
100 functions	1 Credit
75 functions	3/4 Credit
50 functions	1/2 Credit
Checkroom/Washroom Attendants who worked at least:	Earn these Pension Credits:
700 hours (an average of 14 hours per week per year)	1 Credit
525 hours (an average of 10.25 hours per week per year)	3/4 Credit
350 hours (an average of 7 hours per week per year)	1/2 Credit

Members who worked at least:

Earn these Pension Credits:

1,000 or more hours (an average of 20 hours per week per year)

1 Credit

750 hours (an average of 15 hours per week per year)

3/4 Credit

500 hours (an average of 10 hours per week per year)

1/2 Credit

Banquet Waiters who worked at least:

Earn these Pension Credits:

100 functions

1 Credit

75 functions

3/4 Credit

50 functions

1/2 Credit

Checkroom/Washroom Attendants who worked at least:

Earn these Pension Credits:

700 hours (an average of 14 hours per week per year)

1 Credit

525 hours (an average of 10.25 hours per week per year)

3/4 Credit

350 hours (an average of 7 hours per week per year)

1/2 Credit

*For years before 1976, see the complete list of pension rates.

Earning Pension Credits Without Actively Working in Covered Employment

You may receive Pension Credit for absences due to disability resulting from a sickness or an accident, or due to pregnancy, up to a maximum of 12 consecutive months per disability or per pregnancy. In addition, the Uniformed Services Employment and Reemployment Rights Act provides that you earn Pension Credits if you left your employment to serve in the Armed Forces of the United States. You will be credited with an amount as required by that law if you apply for reinstatement within the time limits of that law.