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National Roofing Industry Pension Plan
Work in Disqualified Employment
The Board of Trustees of the National Roofing
Industry Pension Plan (the “NRIPP”) has
adopted rules to help protect the funding
of benefits provided by the NRIPP. These rules are
necessary to ensure a continuing level of contributions
to the NRIPP now and in the future.
This article reviews the rules that apply to you
(assuming you are a participant in the NRIPP) should
you work for an employer in the Industry that does
not have a collective bargaining agreement (“CBA”)
with the United Union of Roofers, Waterproofers and
Allied Workers (the “International Union”) or one of
its affiliated Local Unions. The complete rules for
Disqualified Employment, summarized in this article,
are in the NRIPP Plan Document, which governs all
NRIPP benefits that are due you or your beneficiary.
The detailed rules related to Disqualified Employment
also are summarized in the NRIPP’s Summary Plan
Description (the “SPD”). If there are any inconsistencies
between this article or the SPD and the NRIPP
Plan Document, the NRIPP Plan Document will control.
You may obtain both the NRIPP Plan Document
and the SPD from the Fund Office (contact information
provided at the end of this article). Capitalized
terms not defined in this article will take their meanings
from the NRIPP Plan Document.
DISQUALIFIED EMPLOYMENT
Disqualified Employment is work on or after August 1,
1990, with an employer in the Industry, including selfemployment,
that does not have a CBA (1) with the
International Union, (2) any subordinate labor organization
affiliated with the International Union, or
(3) any organization of building trades affiliated with
an entity described in (1) or (2) that requires contributions
to a pension plan maintained pursuant to the
terms of such CBA. Disqualified Employment can be
“cured” only once as noted below.
If you work for a Contributing Employer, then
you are not working in Disqualified Employment.
A Contributing Employer is any employer, including
local unions, required to make contributions to
the Trust Fund, either by provisions of a CBA with
the International Union or a written Participation
Agreement with the Trustees.
INDUSTRY
The “Industry” means the industry that employs
Employees engaged in work over which any Union
has, or claims to have, jurisdiction, as set forth in the
Constitution and By-Laws of the International Union.
EFFECT OF DISQUALIFIED EMPLOYMENT
If you work in Disqualified Employment that has
not been cured, the following will occur:
• Your early retirement benefit, if you are
eligible for such benefit, will be further reduced
from what it otherwise would have been;
• Your beneficiary will not be eligible to receive
a lump-sum death benefit upon your death
before your benefit commencement date; and
• You will not be eligible for a Disability
Pension in the event of your “Total and
Permanent” Disability.
CURE
You can eliminate the effects of Disqualified Employment,
that is “cure” the effect of Disqualified Employment,
and become eligible for full NRIPP benefits
again if, after engaging in Disqualified Employment,
you become employed in Covered Employment for a
period of time such that contributions on your behalf
with respect to at least 1,000 hours are required to
be made to the NRIPP by one or more Employers.
However, you may “cure” the effect of Disqualified
Employment only once. If you again work in Disqualified
Employment, the effects of the rule will again
apply to you and no additional “cure” is available.
QUESTIONS
If you have any questions or wish to request the
NRIPP Plan Document and/or the SPD, you may
contact the Fund Office by calling 1-800-595-7209,
visiting the Fund website at www.nripf.com, or writing
the Fund Office at:
National Roofing Industry Pension Plan
c/o Wilson – McShane Corporation
3001 Metro Drive, Suite 500
Bloomington, MN 55425
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