VERY IMPORTANT! The information on this page is for people going through a divorce or attorneys helping their clients. Do not call QdroDesk for retirement account information unless it is in regards to a divorce. QdroDesk is a private company that only helps with the divorce process. It is not related or connected to the retirement account listed on this page. This page is provided for informational purposes only.

HEAT & FROST INSUL & ASBESTOS WORKERS OFFICERS & EMPLOYEES PENSION FUND TRUST

HEAT & FROST INSUL & ASBESTOS WORKERS OFFICERS & EMPLOYEES PENSION FUND TRUST is a Defined Benefit Plan providing retirees with a predetermined monthly retirement benefit upon reaching a specific age. The retirement benefit paid to a retiree is typically calculated using a formula which often employs years of credited service under the plan and salary information. The retirement benefit is typically payable to the employee upon attainment of their normal retirement age for the remainder of his/her lifetime. Benefits under this type of plan are often referred to as accrued benefits. This type of plan does not maintain individual accounts for employees.

It is important to remember that under this type of plan, the Alternate Payee is typically not awarded a lump sum cash payment from the Plan. It is usually a requirement of the Plan that the amount awarded to the Alternate Payee be expressed in terms of a monthly benefit payable for either the lifetime of the Participant or the Alternate Payee.

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