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When you are considering to retire, the Trust Fund Office recommends that you do the following steps:
For additional assistance please contact Benefit & Risk Management Services at 523-0199 or Neighbor islands (866) 772-8989 to speak with a Pension Representative.
To be eligible to begin receiving your pension benefit from the Hotel Pension Plan you must be at least 55 years of age. You can elect to start receiving your benefits on any month, starting with the month after your 55th birthday, or later.
Effective August 1, 1999, you must meet one of the following requirements to begin receiving your pension benefit:
Your pension benefit is determined by the amount of Credited Service credits you have earned over the course of your employment under the Hotel Pension Plan. In order to receive one (1) year of Credited Service you must work a total of 1,600 hours during the Plan year (August 1st through July 31st). A breakdown of the hours worked compared to the Credited Service amount is as follows:
|Hours of Covered Service in Plan Year||Credited Future Service|
|< 400 hours||None|
|400 to 799 hours||0.25|
|800 to 1,199 hours||0.50|
|1,200 to 1,599 hours||0.75|
|1,600 to 2,399 hours||1.00|
|> 2,400 hours||1.50|
The Hotel Pension Plan allows you to work up to, but no more than 40 hours per week and still not lose any of the benefits under the Pension Plan.
However, for those retirees that have medical coverage under the AFL Hotel & Restaurant Workers Health & Welfare Trust, they are not allowed to return to any covered employment (including management in the Hotel Industry).
The reason for this is that under the Comprehensive Medical Plan, you must work 80 hours per month to continue your medical benefits.
As a rule of thumb, you are not allowed to work for an Employer who has a Collective Bargaining Agreement (CBA) with Local-5 and participates in the Pension Plan.
Should you not be able to work due to a disability, you will be entitled to retire with a disability retirement benefit if all of the following requirements are satisfied:
There are currently six (6) options available:
If you are married and should pass away before you start collecting your pension benefits, your spouse will automatically receive 50% of your benefit. This option is a lifetime benefit which they will be able to receive until their passing.
If you are not married and pass away before you are able to start collecting your pension benefits, no one will receive your pension benefit.
You may not have received your monthly pension benefit for the following reasons:
Contact BRMS to obtain the answers to questions such as:
Benefit and Risk Management Services (BRMS) is the Trust Administrator for the AFL Hotel & Restaurant Workers Trust Funds. BRMS is a leading benefit administrator and healthcare risk manager that delivers innovative technology and administration that control rising healthcare costs. We have an experienced staff in our Health & Welfare and Pension departments ready to assist you with your every need.
The Trust Fund Office is located at: