Legacy Alcatel-Lucent Pension Plan If you are eligible for a legacy Alcatel-Lucent pension benefit, you can learn more about it through the YBR website. 0000002392 00000 n Your guidance is very much appreciated. `lsIf8 y[e?f-IE2.H54&%6h2SQ HUE{RV3@@ Health & Safety Fact Sheets ; Legislation & Politics ; News & Events In fact Alcatel-Lucent was a foreign company and they could not take our pension funds. Alcatel-Lucent Old Scheme, London, completed a 100 million ($123.7 million) buy-in with Boarding Insurance Core. It brings the total number of retirees and former employees who have yet to retire who will receive the offer to about 74,000, Marco Malfavon, company spokesman, said in an e-mailed reply to questions. Some eligible former employees also had the opportunity to change their existing annuity option to a different annuity option. I'd point out however that not all wobble stools are bad. You may also contact the Alcatel-Lucent Retiree Lump Sum Window Benefits Center at (866) 617-7164. endstream endobj 269 0 obj <>/Metadata 17 0 R/Pages 266 0 R/StructTreeRoot 32 0 R/Type/Catalog>> endobj 270 0 obj <>/MediaBox[0 0 612 792]/Parent 266 0 R/Resources<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 271 0 obj <>stream Alcatel-Lucent informed the CWA National yesterday that they intend to make available to certain former employees, surviving beneficiaries and alternate payees, who are currently receiving monthly pension payments from the Lucent Technologies Inc. Pension Plan (the Plan), a Lucent Retiree Lump Sum Window Program (the Program). This is an extremely important decision and it requires careful consideration. Annuity experiences with Lump Sum - The Lucent Retirees Message Board PDF Annual Funding Notice Alcatel-Lucent Retirement Income Plan Companies that are offering lump-sum pension buyouts - Pension Rights sure enough, the lack of stability does bring a certain focus - which, to your point, can be Great article. at the current rate of yearly allocations given by the employer. A2) This offer is strictly voluntary. Columbia Threadneedle Investments (Columbia Threadneedle) is the global brand name of the Columbia and Threadneedle group of companies. sw xref Quantifying sustainability the numbers, the data, and the people, Valuing Banks: Hidden Losses Versus Assets, Research for Institutional Money Management, Global Fixed Income: Volatility and Uncertainty Here to Stay, For institutional investors, ETFs can make meeting liquidity needs easier, Gold: the most effective commodity investment, 2021 Investment Outlook | Investing Beyond the Pandemic: A Reset for Portfolios, Ten ways retirement plan professionals add value to plan sponsors. If you are not familiar with these principles, here are some quick tips. Lucent? How to Navigate Pension Changes - The Retirement Group If you roll to Fidelity, Vanguard, or T. Rowe Price they will handle both the investment and withdrawal planning for you. View all Financial Planning / Retirement questions. Even if they are, that does not mean you should take it. Alcatel-Lucent to expand lump-sum offer to 32,000 more participants hbbd```b``z "kd(d? When to Accept a Buyout | Kiplinger "9:@$;dIs0&w@qY }*#l8l 0 It is a sizable amount of money. 8bOM4JDEEE3`%y1OSwR;jysrU ;(SRg3,}tc qR{SeL1E9im|6';Ye]DHH. Plan assets are protected from being used for purposes other than providing benefits (or reasonable administrative expenses). The advisor asked: What are the details around Alcatel-Lucents lump sum offer to former employees?. NRLN Lucent/Nokia Retirees Chapter hb```2ff5Ad`C PI&,~Lj b69=d291 0{D4)LTYs7-nJU:en\k'Wl2/WTN.\xaAAHy40QXah`h hhh s@`H1HQAi7*+':]0AC [8]XiV# M,y The Pension Protection Act helps to ensure the plan is appropriately funded. You have until September to decide and you should use the time to consult with someone who can review your individual situation. 0000014974 00000 n Suite 3200 Workers' Rights Button submenu. In Column D, at your life. The attachment labeled Lump Sum Program Announcement identifies who is and is not eligible. endstream endobj 18 0 obj <> endobj 19 0 obj <>/ProcSet[/PDF/Text]/ExtGState<>>>/Type/Page>> endobj 20 0 obj <> endobj 21 0 obj <> endobj 22 0 obj <> endobj 23 0 obj <> endobj 24 0 obj <>stream 0000011786 00000 n A7) If your healthcare premium is currently being deducted from your monthly pension check and you convert your monthly pension payments to a lump sum payment during the program, you will be billed directly for your healthcare premium and you MUST pay the premium in order to continue to receive your healthcare. 0000002597 00000 n Alcatel-Lucent, Murray Hill, New Jersey, announced Friday it plans to extend an offer of an immediate lump-sum payment to about 32,000 retirees and former employees in its U.S. Inactive Occupational Pension Plan. The National Association of Plan Advisors is a non-profit professional society. Sign up to receive Terrys free newsletter!! History. Chicago, IL 60601, R.I. treasurer seeks transparency laws for church plans, Public pension funds adopt cost-sharing mechanisms to stem volatility, Avery Dennison to terminate U.S. pension plan, Sponsored Content: The Plan Sponsors Guide to Retirement Income, The Institutional Investors Guide to ESG Investing, The Plan Sponsor's Guide to Retirement Income, 2023 Defined Contribution East Conference, Alcatel-Lucent plans voluntary lump-sum offer in 2015, Celanese reveals $143 million in lump-sum payments, Lockheed Martin removes $529 million in PBO through lump-sum payments, Hospira pays $22 million in lump sums to former employees, GAO report calls for more disclosure to participants in lump-sum offers, Alcatel-Lucent completes buy-in for U.K. pension fund, eyes full buyout, Nokia to merge its 401(k) plan into Alcatel-Lucent's offering, Alcatel-Lucent enters into second buy-in for U.K. pension plan. You have until September to decide and you should use the time to consult with someone who can review your individual situation. A lump sum pension distribution offers the flexibility of being able to spend or invest your retirement savings any way you see fit. It brings the total number of retirees and former employees who have yet to retire who will receive the offer to about 74,000, Marco Malfavon, company spokesman, said in an e-mailed reply to questions. A schedule of those sessions is in the Financial and Tax Education Guide booklet provided in the program announcement package. 268 0 obj <> endobj r?Yw-g{A8se? Jx^m!xDC8p:PI((`![G EkrQXADX 0000008372 00000 n 0000000776 00000 n Alcatel-Lucent, Murray Hillary, N.J., plans on make a unpaid lump-sum offer in 2015 until about 45,000 U.S. retirees and former employees vested in its U.S. defined benefit pension funds, according to a 6-K filing with the U.S. Securities and Exchange Order. Early this year Alcatel-Lucent announced they were investigating offering a voluntary lump sum buy-out of retiree pensions. Alcatel-Lucent plans voluntary lump-sum offer in 2015 More on Alcatel-Lucent retiree and pension issues and the acquisition by Nokia. Q4) Also on page 15 in the Financial & Tax booklet, provided by the company, it says if they go broke we get nothing in a pension. Alcatel-Lucent also recommends recipients of the offer consult with their personal financial planner and/or tax advisor before making a decision. Alcatel-Lucent to expand lump-sum offer to 32,000 more participants Alcatel-Lucent completes buy-in for U.K. pension fund, eyes full buyout Alcatel-Lucent enters into second buy-in for U.K . We have been receiving a number of questions regarding the lump sum buyout recently offered to certain former employees, surviving beneficiaries and alternate payees, who are currently receiving monthly pension payments from the Lucent Technologies Inc. Pension Plan (the Plan). Q7) What happens to my healthcare if I take this lump sum buy out? i receive a pension from alcatel-lucent. As of Dec. 31, 2013, the U.S. pension funds had $30.1 billion in assets and $26.2 billion in projected benefit obligations, for a funding ratio of 115%, according to the companys most recent 20-F filing. There are many things you need to take into account, many of which are described in the packet (taxes, your health, your age, your dependents, etc.) A5) The new ruling by the IRS addresses discontinuing offering a lump sum buy out in certain circumstances going forward. A2) This offer is strictly voluntary. %%EOF So assuming that you are not going to be sued, this is strictly a financial planning question. It is a sizable amount of money. In mid-July, eligible retirees will be sent a Your Benefit Decision Kit, which will show the amount of the individuals lump sum payment and any new annuity options (if applicable) that are available to them under the Program. a835gQ00]=8gVYROU4CCXghhr'Hcbo2.0k7.8-1pC*A#=W[K!F$R# Examples of those protections are: The Company may not retroactively reduce those benefits, once they are vested. Bottom Line: Rising rates reduce lump sums. Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email arrow-right-sm arrow-right Loading Home Buying Calculators 0000001958 00000 n Because this offer was already approved and in the works it is NOT impacted by the ruling. Again, this is an extremely important decision and it requires careful consideration. xoH-Ge/+Uj%_lQ8B\R,Nk;Od.''M[fy%'mNd/i(-*i_EvS4H.fx3Vpe In fact that is why the CWA had to lobby for expanded legislation to continue to provide for collectively bargained medical and death benefits from the Plan. endstream endobj startxref 130 E. Randolph St. old, single, working fulltime, and in great health (knock on wood). Perhaps your real question is whether the buyout amount if invested in a different immediate annuity (a check a month for life, fixed) is enough to get you a check equivalent to the promised lifetime pension check. The permissions that Alcatel-Lucent (ALU) had to file to amend its Pension Plan to offer the lump sum program started long before the Nokia merger was announced. Payments are expected to be made from existing U.S. plan assets and we do not expect to make any contributions to U.S. plan assets in connection with either offer, Mr. Malfavon said. You DO NOT have to accept this offer. To consistently deliver news, research and analysis to the executives who manage the flow of funds in the institutional investment market. 0000014070 00000 n 2023 Communications Workers of America, AFL-CIO, CLC All Rights Reserved | Site Map | Privacy Policy. Alcatel-Lucent, Murray Hill, New Jersey, announced Friday it plans to extend an offer of an immediate lump-sum payment to about 32,000 retirees and former employees in its U.S. Inactive . Q1) Where can I get more information about this offer? ~n]A9iRD wkvU@HB8E8JKkt>:O) The attached information (cover letterprogram announcementFTE Guide) will be mailed by Alcatel-Lucent to eligible Plan participants beginning tomorrow, Friday, June 26, 2015. Get Email Updates; Receive Text Alerts; Detect Your Local; Search; Services Laborer of Worldwide . I need to continue to withdraw money from my pension to live. The lump-sum window runs from July 20 through September 25 and is completely voluntary. After all, getting a huge influx of cash into your account upon retirement would make anyone jump for joy. It is in the companys self-interest to keep the pension plan healthy because if it is not, they cannot pay for retiree medical from the plan and they have a contract saying they will pay retiree medical through the end of 2019. If I do decide to take it, what are my investment options to continue to withdraw on a monthly or yearly basis? The best way to safeguard our future is to stay active in your Retiree Councils and vote for people who will fight to protect our rights and our benefits. Early this year Alcatel-Lucent announced they were investigating offering a voluntary lump sum buy-out of retiree pensions. Holy cow, Nevin, you wrote a white paper! web design and development by new target, inc. I Receive a Pension From Alcatel-lucent. Received a Package 17 0 obj <> endobj PDF Lucent Technologies Inc. Pension Plan Summary of Material Modifications Alcatel-Lucent, Murray Hill, N.J., announced Friday it plans to extend an offer of an immediate lump-sum payment to about 32,000 retirees and former employees in its U.S. Inactive Occupational Pension Plan. So, if you are evaluating whether or not to take the lump sum, you should not take the lump just because you are fearful about the Nokia merger. Employers that reduce the risk of their pension plans could face a new requirement: disclosing basic information about the transactions to the Pension Benefit Guaranty Corp. as part of paying their annual premium to the federal agency. endstream endobj startxref received a package in the mail and realized my pension was based on leaving the company oct, 1982. i left the company on 7/15/85. Rob Kozlowski writes for Pensions & Investments, a sister publication of Business Insurance. This will limit your search to that combination of words. To read about CWA Members, Leadership or Industries, visit ourAbout page. This one-time opportunity--called the Alcatel-Lucent Retiree Lump-Sum Window Program (the "Program")--formally began on July 20, 2015 and ended on September 25, 2015. Information about your Pension Plan benefit is also accessible, and pension transactions can be initiated, online through the Your Benefits Resources (YBR) website at http://resources.hewitt.com/nokia, 24 hours a day, seven To search specifically for more than one word, put the search term in quotation marks. This means that there are specific guidelines that must be followed under federal law. 2023 Communications Workers of America, AFL-CIO, CLC All Rights Reserved | Site Map | Privacy Policy, To: Alcatel- Lucent Formerly Represented Retirees, Surviving Beneficiaries and Alternate Payees, RE: Lump Sum Buy Out Of Monthly Pension Payments, Alcatel-Lucent Lump Sum Buy Out Of Monthly Pension Payments. Last week retirees received the first official notice of the lump sum offering. Our legal department and our research department both came to the same conclusion: U.S. law that currently protects the pension benefits of our members will still apply if Nokia purchases Alcatel Lucent. You may also contact the Nokia Benefits Resource Center. Alcatel-Lucent Pension Lump Sum Buyout | Communications Workers of New York, NY 10017-4036, Chicago Office For example, hurricane & loss. For us that would be December 2, 2015, because the lump-sum payout from AL-LU is set for November 2, 2015 (and we can't change that date). Copyright 2023by NAPA, Compliance Administrator (TPA) Evaluation. To: Formerly Represented Retirees of Alcatel-Lucent, Subject: Questions Regarding the Alcatel-Lucent Pension Lump Sum Buyout. Alcatel-Lucent to expand lump-sum offer to 32,000 more participants Following are the questions, with the answers, that we have received to date. In fact these two announcements are not connected. About 55,000 Hello Terry, To read about CWA Members, Leadership or Industries, visit ourAbout page. The permissions that Alcatel-Lucent (ALU) had to file to amend its Pension Plan to offer the lump sum program started long before the Nokia merger was announced. Alcatel-Lucent announced it was being purchased by Nokia. Pension lump sum buyout - Terry Savage She writes a weekly personal finance column syndicated in major newspapers by Tribune Content Agency. Eligible former employees are NOT required to make any changes to how or when they receive their Plan benefits. Alcatel-Lucent, Murray Hill, N.J., announced Friday it plans to extend an offer of an immediate lump-sum payment to about 32,000 retirees and former employees in its U.S. Inactive. 2023 Communications Workers of America, AFL-CIO, CLC All Rights Reserved | Site Map | Privacy Policy, More on Alcatel-Lucent Retiree and Pension Issues and the acquisition of Nokia. hb```\B cbM((-fu`` x';n\("v%u6~:8:F )T@TH HQAA|D,LG&[lnP%Vif^ %t,e`` %x( BIs Article search uses Boolean search capabilities. 0000001121 00000 n This offer, called the Alcatel-Lucent Retiree Lump-Sum Window Program, formally began on July 20, 2015 and ended on September 25, 2015. Alcatel-Lucent Lump Sum Pension Offer | Communications Workers of America You can direct any service of legal process related to the Pension Plan to: The Alcatel-Lucent Employee Benefits Committee at Alcatel-Lucent, Room 7C-415, 600-700 Mountain Avenue, Murray Hill, NJ 07974, or The trustee of the Pension Plan (see "Pension Trust Fund"). 0000000016 00000 n Below is a list of employers that have announced that they are offering lump-sum pension buyouts to certain groups of employees, former employees, or retirees. Terry Savage is a nationally recognized expert on personal finance, the economy and the markets. %PDF-1.7 % 553 0 obj <>/Filter/FlateDecode/ID[<94B3386967048548A045BA5BD9299ADC><31856CD454ED2C479B066D538F2F01B1>]/Index[544 26]/Info 543 0 R/Length 70/Prev 342004/Root 545 0 R/Size 570/Type/XRef/W[1 3 1]>>stream Figuring this out is very simple. Choose your news we will deliver. *4w| sX8#.i_96"he@;(e[*'m'-Ksbzgh k@0n`76Cdi} fK0/h. {j As we get more information, we will publish it on this site. Leadership. One of them is offering lump sum buy-outs. The CWA actuaries will review them to be sure that how they are being calculated is correct. i received an offer for a lump sum payout based on the incorrect monthly pension. IF the company decided to terminate the plan they would have to do it under government guidelines. How to Avoid Taxes on Lump Sum Pension Payout - SmartAsset you the lump-sum payment. Alcatel-Lucent Pension Lump Sum Buyout - Communications Workers of America The Lucent Retirees Message Board-Transfer of pension fund from Cash Lump Sum Options for: Company Pension; Any State or Federal Government Pension; Military; Police and FIre Pension; Teacher Pension; Call Us Toll Free: 1-800-853-5640 to reach a representative who will discuss your lump sum pension payment and retirement annuity options with you. Last week retirees received the first official notice of the lump sum offering. 0000014929 00000 n To do so, however, the employer must prove to a bankruptcy court or to the PBGC . %PDF-1.4 % |@5=Ni!_DKZ89_<9Fa0MU)C2:)}yH0u g>.]uj&G([mRgm=G-MA5@au%l :vz,!MM@\Torx9 d:'FK]M2| Lump-Sum vs. Regular Pension Payments: What's the Difference? These mailings detail a one-time opportunity to convert their remaining annuity payments under the Alcatel-Lucent Retirement Income Plan or Lucent Technologies Inc. Pension Plan to a lump-sum payment. But keep in mind that a lump sum pension payout makes it easier to overspend in retirement. Retirement Savings & Pension - BenefitAnswers Plus 569 0 obj <>stream That will get you a guaranteed stream of (fully taxable) income for as long as you live. Social Security Solvency: Is it Really That Bad? The CWA has requested that ALU give us a complete accounting of how they are arriving at the lump sums (interest rates, mortality tables, etc.) 17 24 Please review the attached documents for complete information regarding this Program. You will receive your first bill in mid-November for your December coverage. Alcatel-Lucent Lump Sum Buy Out Of Monthly Pension Payments Should You Take Pension Payments or a Lump Sum? A How-To Guide 297 0 obj <>stream I have many questions. The lump sum amount, if not invested, will hold me for 13 yrs. Everyones situation is different and unique to them. 0000017395 00000 n In addition, Nokia will most probably create a Nokia (USA) subsidiary which would be completely subject to US laws. What questions should I be asking? Former employee, ATT/Lucent/Alcatel-Lucent is offering a lump sum buyout of our pensions. 0000007666 00000 n One option is to take the lump sum and park it in a money-market fund currently paying more than 4% until better investment opportunities come along. Careers at CWA. To search for a combination of terms, use quotations and the & symbol. More on Alcatel-Lucent Retiree and Pension Issues and the acquisition Interest rates have increased rapidly over the course of 2022, and if you receive your Lucent pension as a lump sum this reduces the value. I need to continue to withdraw money from my pension to live. Synopsis of Material Modifications Alcatel-Lucent Retirement . Illinois DOES NOT currently tax IRA withdrawals. Payments are expected to be made from existing U.S. plan assets and we do not expect to make any contributions to U.S. plan assets in connection with either offer, Mr. Malfavon said. Just go to www.immediateannuities.com, and insert your age, gender, state, and the lump sum amount you have to invest. I have many questions. The best way to safeguard our future is to stay active in your Retiree Councils and vote for people who will fight to protect our rights and our benefits. Recipients have the option to do nothing and will continue to receive their current monthly annuity payments. If you choose to do nothing, your current monthly pension payments will continue. TAJ6LuR.u(NdLN_Ht)txF%K.)/|q1oO|uB+t{?ZQWH^ hsPZ=+,wz/ 0 Can the company terminate the pension plan? As of Dec. 31, 2013, the U.S. pension funds had $30.1 billion in assets and $26.2 billion in projected benefit obligations, for a funding ratio of 115%, according to the companys most recent 20-F filing. Therefore, the company cannot just take money from the pension plan and use it for other things. Biggest Lucent Pension Drop in a Generation. xuSn0>DBH I$}C.SwB#s_u_0Bt lV:~D[S84eF}dKq_ ={K~922&1BOz:`. They could do that by purchasing annuities through an insurance company. PDF Summary of Material Modifications Alcatel-Lucent Retirement Income Plan Main Office Examples of those protections are: The Company may not retroactively reduce those benefits, once they are vested. 685 Third Avenue (What you might be thinking is that an IRA is less secure from creditors than a pension payout, and that would be correct.) A recent call with a financial advisor in California is representative of a common question related to pension de-risking and lump sums. One of them is offering lump sum buy-outs. For a standard termination the company would have to show the PBGC that the plan has enough money to pay all the benefits owed to participants. In fact, at this years CWA T&T Leadership conference, our Research Department conducted a workshop on trends in Pension de-risking and bargaining. Alcatel-Lucent enters into second buy-in for U.K. pension plan If I roll it over, say into an IRA, then the income becomes taxable. Two announcements have been made this year by Alcatel-Lucent and many of you might think they are connected. In addition, Nokia will most probably create a Nokia (USA) subsidiary which would be completely subject to US laws. HWmkF}J\l|MiJ(R~H'g![3(!yrqK.//n+BS2bj~BT g8neSlI9oC9/rgczB7e DC4eUS;,'uq_6#:87lS1YA(V[cEUXq#\"?v,|nSIE%v](4h vZJz'^ While a pension annuity offers a fixed monthly income, a. Beware of companies that extend the start of their payout beyond this normal 1 month, because this can have a big impact on your income from the annuity. Over the course of the last year the IRS . So, if you are evaluating whether or not to take the lump sum, you should not take the lump just because you are fearful about the Nokia merger. Advisor action items: Talk the your Alcatel-Lucent clients who may be affected. The Columbus Dispatch Tuesday February 16, 2016 5:00 AM. If the lump sum is not anywhere near enough to generate the same monthly income as your pension, then if given the choice you will want to stick with the pension promise. J m^?bSL&MM>^S!OYuFG]2_w*'~vmi"chV6{8E&`(72jje&}\MlKM+TLigQC42BIj4^C};)k"C+"?j^SDE5[k]83/pivCNSa+| $ %%EOF The materials contained herein are intended for instruction only and are not a substitute for professional advice. There are many things you need to take into account, many of which are described in the packet (taxes, your health, your age, your dependents, etc.) one-time, opportunity to convert their current monthly pension payment to a lump-sum payment (or, for some individuals, to change their pension payment option). These resources include group sessions, individual sessions and a Financial and Tax Education Tool. XWyTfnzp@EA0DEqD" Q3) Page 10 of the Alcatel-Lucent Retiree Lump Sum Window booklet says the company has rights to terminate either plan, etc. hbbd```b``A$Sd9&@A vX{> Used with permission. !J,3pNM,A|f5\mCl]) Pv&hhy 6u!2|)z9F_!lE^wxDaOo8^ %SE91q45),lEQN8:O $o2dhcflYK fgOlK: 2SYu*q"H3;Ydi37t6K^4nb8o?/zYK Alcatel-Lucent announced it was being purchased by Nokia. they have known this for over 30 days and i am not making any headway with getting it corrected. In fact, at this years CWA T&T Leadership conference, our Research Department conducted a workshop on trends in Pension de-risking and bargaining. Information and opinions provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Columbia Threadneedle. Early this year Alcatel-Lucent announced they were investigating offering a voluntary lump sum buy-out of retiree pensions. 0000010715 00000 n Nokia to merge its 401(k) plan into Alcatel-Lucent's offering The CWA has requested that ALU give us a complete accounting of how they are arriving at the lump sums (interest rates, mortality tables, etc.) Everyones situation is different and unique to them. 0000022178 00000 n Our legal department and our research department both came to the same conclusion: U.S. law that currently protects the pension benefits of our members will still apply if Nokia purchases Alcatel Lucent. Any money left over in the fund the company would have to pay a penalty tax on. under the Plan to a one-time, lump-sum payment. And it's true that one dollar in 1990 purchasing power requires $2.73 today. Approximately 75,000 eligible former employees, surviving beneficiaries and alternate payees of Alcatel-Lucent have begun receiving formal lump-sum window notices. Q6) What company is the new annuity going to be with? Alcatel-Lucent announced it was being purchased by Nokia. We strongly advise you to gather as much information as possible and to consult with your own personal financial planner, legal advisor and/or tax advisor. The company said in its fourth-quarter earnings release that the offer, to take place in the fourth quarter of 2015, will run concurrently with a previously announced offer for retirees in its U.S. Management Pension Plan. My son in Corby, your life and leadership have been an inspiration to us all. You can make some investments that are likely to generate growth and income to support your retirement needs. What about the Pension Protection Act? old, single, working fulltime, and in great health (knock on wood). For media inquiries, call CWA Communications at 202-434-1168 or emailnews@cwa-union.org. In fact these two announcements are not connected. Types of Pension Payouts: Lump Sum vs. Monthly - SmartAsset

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