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The New England Carpenters Guaranteed Annuity Fund was established in December 1981. Signatory employers make contributions to each member's personal account as outlined in the various collective bargaining agreements.

Using a predetermined formula, the Fund provides a guaranteed return (interest rate) on each member's account balance. Some years members also receive a bonus in addition to the guaranteed return.

A member may begin collecting benefits under the following conditions:

• Retiring from the industry

• Not participating in the Plan for 24 consecutive months

• Becoming permanently and totally disabled as a Carpenter

After 12 months, members are eligible for loans of up to 50% of their individual account balances ($50,000 max) for the following reasons:

• Medical expenses not covered by insurance

• Funeral expenses

• Tuition expenses

• Delinquent mortgage, rent, or real estate taxes

• Purchase of COBRA benefits

• Purchase and/or remodeling of a primary residence

• Temporary disability (if not receiving Workman's Comp)

For more information about Annuity benefits, please contact the Fund office at 1-800-344-1515 (press option 4, then option 1) to speak to a customer service representative.