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The NIGPP is a "multiemployer plan", which means it receives and invests contributions from many participating employers and provides pension benefits to the eligible employees (and their beneficiaries) of many employers.

The NIGPP is a "defined benefit" pension plan, which means that retirement benefits are based on a formula that takes into account:

  • The time worked for a participating employer(s) in a job or category that is "covered employment" under the Plan for which the participating employer makes contributions to the Plan; and
  • The benefit level or contribution rate to which your participating employer(s) and union(s) agreed in their participation agreement with the NIGPP.

The Plan operates on the basis of a "plan year", which begins each January 1 and ends on December 31.