Answers to Your Questions About Retirement

Phone: 269-471-3302
Email: hr@andrews.edu

Seventh-day Adventist Retirement Plan of the North American Division

Revised August 1, 2000

Answers to your Questions about Retirement

This summary of the Seventh-day Adventist Retirement Plan of the North American Division, a defined benefit retirement plan, has been prepared to answer frequently asked questions. It is NOT intended to cover all features of the plan. It makes certain assumptions that may or may not be applicable. Additional questions should be referred to the Plan if you are a retiree, or your current or last denominational employer if not yet retired.

Service Credit in this Plan was frozen for most employees at the end of 1999. A new defined contribution plan was started on January 1, 2000. Statements in this booklet regarding "Service Credit" refer to qualifying denominational service prior to the freeze of this Plan. The last section in this booklet explains how service after 1999 may impact your benefits in the frozen defined benefit plan.

In this booklet the term, "Participant" refers to an individual who has been employed by the Seventh-day Adventist Church in the North American Division, and is eligible to receive benefits from this Plan.

We have exercised diligence to be sure the information in this booklet is in harmony with various policies. However, should a discrepancy become apparent, the policy is the final authority.