Annuity Plan

The Sheet Metal Workers Local 91 Annuity Plan was established on February 15, 1978 to provide you with additional financial security and income during retirement. The Plan is paid for by employer contributions. No employee contributions are required or permitted.

Since January 1, 1998, you have been permitted to choose how to invest the employer contribution made to the Plan on your behalf. The Plan currently allows you to choose investments with retirementplans.vanguard.com.

When you become a participant in the Plan, an "Individual Account" is established in your name. Employer contributions made on your behalf are deposited in your Individual Account. You are always 100% vested in, or entitled to, the money in your Account. Your Account balance includes employer contributions made on your behalf and earnings and/or losses. The expense of operating the Plan may be subtracted from the Individual Accounts.

Since your investment needs are unique, you are permitted to choose how to invest the employer contributions made to the Plan in your behalf. Please take some time to review your Sheet Metal Workers Local 91 Annuity Plan booklet. If you're married, share the information in the booklet with your spouse. Contact the Fund Office at (309) 787-0696, extension 10, if you have any questions about your benefits.

Retirement Plan

Vanguard Retirement Plan
retirementplans.vanguard.com

Lifetime Income Calculator
dol.gov

Dept of Labor has issued an income calculator to project a person's propsective retirement earnings. Please use these links as just an example of how much money you may have at retirement.

Annuity Plan

Sheet Metal Workers Local #91 Annuity Plan
8124 - 42nd Street West
Rock Island, Illinois 61201

Phone: 309-787-0695 Extension 10
Toll-Free: 877-769-4291
FAX: 309-787-0733

Office Hours: 8:00 AM - 4:30 PM

Lisa Hungerford, Union Secretary

Privacy Statement

The Plans Privacy Notice

Effective April 14, 2004, the Health Insurance Portability and Accountability Act of 1996 (HIPAA), requires that the Plan protect the confidentiality of your private health information. A complete description of your rights under HIPAA can be found in the Plan's privacy notice that the Plan has distributed to you. You may obtain additional copies of the privacy notice from the Fund Administrator if you need another copy.

Under HIPAA, you have individual rights with respect to your protected health information, including certain rights to see and copy the information, receive an accounting of certain disclosures of the information and, under certain circumstances amend the information. You will also have the right to file a complaint with the Plan or the Secretary of the U.S. Department of Health and Human Services if you believe your rights under HIPAA have been violated.