the purpose of this statement is to provide you with personal information regarding your pension benefit eamed through 12-31-2008,and to project what your future benefit may be when you reach age 62,your future benfit projections shown below assume you will work at least 1800 hours per year until you reach age 62 in employment covered by a culinary & bartenders union contract the future projections also assume pension benefit levels will continue to increase at a moderate rate as they have in the past
。。。。。。。。。
VESTED means that you have eamed ownerahip rights to your pension benefit and your benefit cannot be taken away even if you stop working,presently ,you need 5 years of pension credit