If you are planning a vacation, why not consider having your monthly benefit check electronically deposited into your bank account. There are many advantages to Direct Deposit:

• IT IS SAFER - In fact, no Direct Deposit has ever been lost or stolen.
• IT IS FASTER - You don't have to worry about the weather, the mail, your health, or your schedule.
• IT IS EASIER - Payment is made the same time every month, which gives you more control over your finances.

You are 30 times more likely to have a problem with our paper check than with your Direct Deposit payment, according to the SSA.

SIGN UP FOR DIRECT DEPOSIT TODAY! A form is enclosed with your check or you can download the form here.

Before you consider returning to work, you should first read the Summary of Plan Provisions on Suspension of Benefits Due to a Return to Work, which is available on our website here. Give special attention to the presumption of hours worked.

Disability Pensioners should read the provisions on recovery from disability. This information is also available in the Plan Booklet, see page 27 for a return to work after retirement and page 18 for recovery from disability. Both documents will instruct you about the notices you are required to give, the presumptions that the Fund will make, and the actions that will be taken when you return to work, unless you have been advised otherwise in a letter from the Fund office.

Please be advised that this notice does not apply to Surviving Spouses and Beneficiaries.

IRS Form 1099-R, which shows the distributions you received during the 2009 tax year from the National Pension Fund, will be mailed by Monday, February 1, 2010.

If you do not receive your 1099-R Form, please contact us after February 15, 2010 for a copy.

Publication of the new Federal tax withholding tables are expected soon, which may change your withholdings. The 2010 W4-P Form is available for download using the following link if you wish to update your Federal withholdings, 2010 W4-P.