The LNPF is signatory to the LIUNA National Reciprocal Agreement (NRA). This means, in general, that LNPF takes into account credited service of one year or more with other signatory pension funds sponsored by LIUNA affiliates for purposes of benefit vesting and bridging breaks in LNPF-covered service. It also means that other signatory pension funds take LNPF service credit into account for vesting and bridging breaks in service under those funds. More than 100 pension funds are signatory to the NRA. A complete list of the signatory pension funds can be found on the LIUNA website (www.liuna.org).

The NRA enables a laborer who has at least one year of pension credit under two or more signatory pension funds to obtain vested rights to a pension from each of the pension funds upon his retirement, if his combined credit under all of the funds meets the vesting requirements of each fund. Under the NRA, no contributions are transferred from LNPF to any other pension fund, or from any pension fund to LNPF. Contributions remain in the fund to which they were paid for the laborer. Benefits from each signatory fund are determined under that fund’s rules.

Special “Money Follows The Man” Agreements The LNPF is signatory to “Money Follows the Man” (MFM) agreements with some other pension funds sponsored by LIUNA affiliates. Under a MFM agreement, the LNPF receives transfers of contributions from the other signatory pension fund for a laborer who usually works in LNPF-covered employment, but who is working temporarily in the jurisdiction of the other pension fund. The laborer’s pension rights are determined only under LNPF, and not under the other fund that sends his contributions to LNPF. It works the other way too. The LNPF transfers contributions to the other pension fund for laborers working in LNPF’s jurisdiction who are usually working under the other fund. NOTE: A laborer must request a transfer of his contributions in accordance with the terms of the MFM agreement, as contributions are not automatically transferred. Also, LNPF cannot transfer contributions to, or receive transfers of contributions from, pension funds with which the LNPF does not have a MFM agreement.

The LNPF is signatory to “Money Follows the Man” (MFM) agreements with some other pension funds sponsored by LIUNA affiliates. Under a MFM agreement, the LNPF receives transfers of contributions from the other signatory pension fund for a laborer who usually works in LNPF-covered employment, but who is working temporarily in the jurisdiction of the other pension fund. The laborer’s pension rights are determined only under LNPF, and not under the other fund that sends his contributions to LNPF. It works the other way too. The LNPF transfers contributions to the other pension fund for laborers working in LNPF’s jurisdiction who are usually working under the other fund.

NOTE: A laborer must request a transfer of his contributions in accordance with the terms of the MFM agreement, as contributions are not automatically transferred. Also, LNPF cannot transfer contributions to, or receive transfers of contributions from, pension funds with which the LNPF does not have a MFM agreement.