Defined Benefit Pension Plan SPD - uphs

• Death of Spouse or Beneficiary – If your Spouse or beneficiary dies after your benefits begin, theamount of your benefit payments will not change and you will not be able to designate someone elseto receive any survivor benefit that may be payable under the payment option you elected (but, if youelect the Ten-Year Certain and Continuous Annuity, you may designate a different beneficiary toreceive any remaining guaranteed payments). If you elect a payment option that provides survivorbenefits and your beneficiary dies before your retirement benefit payments begin, however, yourelection automatically will be cancelled and you will be able to select a new payment option and/ordesignate a new beneficiary.• Required Retirement Benefit – Because the Plan is designed to provide you with retirement income,you may not elect a payment option that is expected to provide you with less than 50% of the value ofyour benefit during your lifetime. This restriction will not affect you unless your beneficiary issubstantially younger than you.• No Surviving Beneficiary – If no designated beneficiary is surviving when a payment is to be made toa beneficiary, the periodic payments shall be made to the person or persons in the following classes ofbeneficiaries: (1) your surviving spouse, (2) your surviving children, in equal shares, (3) your survivingparents, (4) your surviving brothers and sisters, or (5) your executor.Death BenefitsIf you die after your benefit payments begin, the payment form you elected before your death willdetermine whether any benefits will be paid to your spouse or your beneficiary after your death.If you are fully vested and you die before your benefit payments begin, the Plan will provide a monthlydeath benefit to your surviving spouse or certified domestic partner; provided, that you are legally marriedat the time of your death. Your spouse or domestic partner may elect to start receiving this monthly deathbenefit at any time after the later of the date of your death or the date you would have been eligible toreceive early retirement benefits under the Plan (unless the monthly death benefit is a very small amount,in which case it will be cashed out in accordance with the "Cash-Outs of Small Benefits" section). Theamount of this death benefit generally will be equal to the monthly payment your spouse or domesticpartner would have received if you had been eligible for, and elected to receive, a Qualified Joint andSurvivor Annuity before your death.To certify a domestic partner, you must complete a certification form and submit it to the UPHS BenefitsOffice. You may obtain a certification form by contacting the UPHS Benefits Office.Maximum Plan BenefitsTotal benefits payable under the Plan may not exceed certain maximum benefit limits as prescribed byFederal tax laws. It is very unlikely that these limitations will affect you. In the unlikely event that theselimits do affect you, however, the UPHS Benefits Office will notify you and provide you with more detailedinformation. Also, under current tax laws, plans that become "top heavy" must meet certain additionalrequirements. Generally, a "top heavy" plan is one in which more than 60% of the total accrued benefitsunder the plan are for the benefit of key employees. Given the number and type of employeesparticipating in the Plan, it is very unlikely that the Plan will become top heavy. In the event that the Planbecomes top heavy, however, the UPHS Benefits Office will notify you and provide you with more detailedinformation.Plan OverpaymentsThe Plan reserves the right to recover any overpayment made, whether by reason of administrative erroror for any other reason. The Committee may authorize any procedure that it deems appropriate to recoveroverpayments, including without limitation, deduction from future payments of the amount of anyoverpayment.14