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Your employer may use a schedule in which employees are 100 percent vested in employer contributions after 3 years of service (cliff vesting). Under graduated vesting, an employee must be at least 20 percent vested after 2 years, 40 percent after 3 years, 60 percent after 4 years, 80 percent after 5 years, and 100 percent after 6 years. If your automatic enrollment 401(k) plan requires employer contributions, you vest in those contributions after 2 years.
If you have 10 years of Vested Service, have at least 1200 hours of Credited Future Service (1000 hours if your I.P.D. January 1, 1982 or later), you may apply for a benefit at your Early Retirement Date.or most participants this would only occur if you do not accrue the necessary years of Vesting Service, (5 years if you have hours reported to the Fund on or after January 1, 1989, otherwise, 10 years), prior to your 65th birthdate.