Covered Employers contribute 3% of their covered employees' gross labor payroll each month to NEBF℠.

No. All contributions to NEBF℠ are made by Covered Employers. Covered employees do not themselves make contributions to NEBF℠ and do not have individual accounts in NEBF℠.

If you are not Vested and incur a Break in Service, you lose all Vesting Service Credits and Pension Credits that you have accumulated. However, if you retire at age 65 or older and have not lost your Pension Credits, you may be eligible for a benefit even if you are not Vested.

Generally, you earn Vesting Service Credits by accumulating hours worked in Covered Employment in Good Years. There is a 1,000 hour requirement for each Vesting Service Credit. For more information on earning Vesting Service Credits, please refer to the NEBF℠ Summary Plan Description.

Generally, you earn Benefit Service Credits by accumulating hours worked in Covered Employment in Good Years. There is a 1,000 hour requirement for each Benefit Service Credit. For more information on earning Benefit Service Credits, please refer to the NEBF℠ Summary Plan Description.

You may earn a maximum of five Past Service Credits. These credits are earned on a one-for-one basis (one Past Service Credit for one Benefit Service Credit). For more information on the requirements to earn Past Service Credits, please refer to the NEBF℠ Summary Plan Description.

The easiest and quickest way to receive an estimate of your benefits is through the Online Benefits Portal. To receive this estimate, register as a 'New User' or log in to the Online Benefits Portal and click ‘Benefit Estimate’ in the left-hand navigation tab. Your estimate will be generated for you in a matter of minutes. Alternatively, you may contact the NEBF℠ office and a Participant Services Representative can provide general information on the NEBF℠. However, in order to receive a determination on your entitlement to benefits, you must either send an email or send a signed, written request to the NEBF℠ office.

You can send a written letter to the NEBF℠ stating what the discrepancy is and ask that your record be further reviewed.