IMPORTANT: Our Call Center will be closing early at 4:30 p.m. CST on Thursday, April 27; we will reopen at 8 a.m. Friday, April 28. During this time, please submit your questions using our secure message center.
Central States Pension Fund

Plan Benefits

The Central States Pension Fund is a "defined benefit plan." Under a defined benefit plan, eligible participants receive a benefit at retirement. The benefit is calculated by a set formula, based on your contribution level, your age and your length of participation in the Fund.

To become a participant of the Pension Fund you need either 20 weeks or 75 days or 600 hours of employer contributions submitted to the Fund on your behalf in a 12-month period.

In general, once you have participated in the Pension Fund for five years you are a Vested Participant and have earned the right to receive a monthly benefit upon retirement at age 65. If you left the Fund before 1999 you need 10 years.

alt Tag


Over 85% of the Plan’s Retirees and Survivor’s receive their benefits through Electronic Funds Transfer (EFT) service.

To ensure immediate access to your benefits, you should have your benefits automatically deposited to your checking or savings account. With the Fund’s Electronic Fund Transfer (EFT) service, your benefits will always be available on the first banking day of each month, and you will not have to rely on the mail. To request an EFT sign-up form click here.

View All FAQs