What is Normal Retirement Age and can I start receiving my pension benefits before that?

Carpenters Pension Trust of St. Louis (St. Louis Pension)

The Normal Retirement Date for active participants is the first of the month coinciding with or following your 62nd birthday. If you have earned at least 10 years of Credited Service, you are eligible to draw an Early Pension effective the first of the month coinciding with or following your 55th birthday. You may retire early by completing the necessary paperwork and submitting the required documentation. Your benefits may be reduced since they start before your Normal Retirement Date. The reduction, if any, depends on your age, the amount of Credited Service you have and your active status at retirement.

Additional information on drawing St. Louis Pension benefits

St. Louis Pension benefits are administered by the Mid-America Carpenters Regional Benefit Services.

There are multiple pension plans under the Mid-America Carpenters Regional Council (MACRC). All other pension benefits accrued by members of the MACRC are administered separately from this fund. Please refer to the Pension page of this website for links to other pension plans under the MACRC.

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