Retirement Plan

	AAFES Retirement Plan for Eligible Civilian Employees of the Army & Air Force Exchange Service
The information contained in this booklet explains and illustrates your Retirement Plan. The terms and conditions of the Plan are set forth in the full text of the Plan. If there is any conflict between this summary and Plan document, the terms and conditions of the full text will govern.

new : Direct Deposit Form For Pension Payments
new : State Withholding Certificate For Pension/ Annuity Payments
new : Executive Management Program Benefits
SUMMARY PLAN DESCRIPTION About This Booklet How You Participate In The Plan What Determines The Amount of Your Pension Your Social Security Benefit How the Formula Works If You Retire At Normal Retirement At Age 62 Estimating Your Own Income at Normal Retirement Minimum Pension A Word About Social Security Cost-of-Living Adjustments (COLAs) When You Can Retire and Receive Benefits Normal Retirement Deferred Retirement Voluntary Early Retirement Optional Early Retirement Involuntary Early Retirement What Happens If Your Employment Ends Before You Qualify for Retirement Reemployment Special Disability Benefit Benefits payable Upon Your Death Pensions for Survivors If You Die After Retirement Spouse's Benefit Benefit for Child or Other Named Survivor Benefit If You Marry or Remarry After Retirement Special Rules for Disability Benefits Adjustment If Your Marriage Ends or Your Spouse Dies Adjustment If Your Named Survivor Dies Important Note Pensions for Survivors If You Die While Employed If Eligible for Retirement (Except Optional Early) If Not Eligible for Retirement, or If You Are Only Eligible for Optional Early Lump Sum Death Benefits Cash Settlement of Small Pensions Future of the Plan Your Rights Under the Plan Questions about benefits or 401(K)? Contact your local Human Resources office.	EXPLANATION OF TERMS Annuity Army & Air Force Motion Picture Service (AAFMPS) Contingent Annuity Creditable Military Service Creditable Prior Bookstore Service Creditable Prior NAFI Service Creditable Service Credited Civilian Service Interest Involuntary Early Retirement Involuntary Termination of Employment Lump Sum Death Benefit Normal Retirement Optional Early Retirement Panamanian AAFES Service Permanent Annuity Totally & Permanently Disabled Vesting or Vested Benefit Temporary Annuity Voluntary Early Retirement Workers' Compensation QUESTIONS AND ANSWERS

EXPLANATION OF TERMS

QUESTIONS AND ANSWERS