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Sheet Metal Workers Local 49 DCP/401K Plan

Frequently Asked Questions
 
How do I enroll for voluntary contributions to the 401K plan? 
Go to miretirement.com or contact BMO Global Asset Management (formerly known as M&I Institutional Trust Services) at (800) 858-3829, available 24/7 to enroll online. Or you may complete a 401(K) Election Form. The completed form must be provided to your employer with a copy to Southwest Service Administrators, Inc. (SSA) and Local 49. 
 
Sheet Metal Workers Local Union 49
2300 Buena Vista SE, Suite 110
Albuquerque, NM 87106
Phone: (505) 266-5878
Fax: (505) 266-5879
 
Southwest Service Administrators Inc.
2400 W Dunlap Avenue, Suite 250
Phoenix, AZ 85021
Phone: (800) 474-3485
Fax: (602) 249-3795
 
What if I don’t have a PIN# to create a personal User ID and Login? 
Contact BMO (fka M&I) at (800) 858-3829, available 24 hours a day, 7 days a week. 
 
How do I make changes to the voluntary amount I would like to contribute? 
Go to miretirement.com or contact BMO (fka M&I) at (800) 858-3829, available 24/7. You must elect a whole percentage between 1% and 50% of your weekly pay. You will need a User ID and Login to access your online personal account information.  
 
How do I stop my voluntary contributions? 
Go to miretirement.com or contact BMO (fka M&I) at (800) 858-3829, available 24/7. You will need a User ID and Login to access your online personal account information.  
 
How do I find out how much money is in my 401K account? 
For account balances, go to miretirement.com or contact BMO (fka M&I) at (800) 858-3829, available 24/7. You will need a User ID and Login to access your online personal account information.
 
How do I change my Investment Allocations? 
Go to miretirement.com or contact BMO (fka M&I) at (800) 858-3829, available 24/7. You will need a User ID and Login to access your online personal account information.  
 
What happens to my money if I die? 
Your account balance will be distributed to your designated beneficiary when they apply for benefits. If you do not have a designated beneficiary, any money in your account will be distributed to your heirs or to your estate in accordance with the law. Payments may be delayed if no beneficiary has been designated. 
 
How do I designate or change my beneficiary? 
Go to miretirement.com or contact BMO (fka M&I) at (800) 858-3829, available 24/7 to complete a Designation of Beneficiary form.
 
How do I change my address? 
Print and complete the Online Change of Address Form and return it to the Fund Office: Southwest Service Administrators Inc. 2400 W. Dunlap Avenue, Suite 250 Phoenix, AZ 85021  
 
When can money be withdrawn from my 401(K) account? 
1. At Normal Retirement (age 65 or the 5th anniversary of participation in this plan) as long as you refrain from employment of more than 39 hours per month in the sheet metal industry in the geographic area of the plan.
2. When you terminate employment & do not work for a contributing employer for a period of one Plan Year (April 1 – March 31).
3. When you reach age 55, terminate employment, and refrain from employment for a contributing employer.
4. When you become totally & permanently disabled and receive Social Security Disability benefits
5. When you die and your beneficiary applies for benefits.
6. When you apply and qualify for a Hardship Withdrawl.  
 
How do I apply for a withdrawal of my 401(K) benefits? 
Go to miretirement.com or contact BMO (fka M&I) at (800) 858-3829, available 24/7 to obtain an application. You will need a User ID and Login to access your online personal account information.
 
What things should I consider before taking a hardship withdrawal? 
View this document for your answer: Hardships
What are the consequences of taking an early withdrawal from my 401k account? 
View this document for your answer: Don't Touch That Balance