Here it is the things that can or will happen with our pensions with this vote. Lets look at what a yes vote can do for our pensions and out Health insurance. First a yes vote will freeze the contribution rate that abf pays at the rate on the closing date of March 31,2018 that is right the only part of this contract that retro's back to the END OF OUR REAL CONTRACT. This means that if you are in a fund that requires a increase on or after April 1,2018 your pension will go into default status. By voting yes you are subjecting your pension to sever cuts. It is true in the case of Central States they have not ask for a raise since 2011 and that in it's self is bad news but it did not cause a default status because no increase was required. If this contract passes as written here is what can happen. Your pension will be drastically reduced, you will lose your DEATH BENEFITS,you will lose your DISABILITY BENEFITS, Then comes the killer if this contract passes as written you can lose all your health benefits when you retire. THAT'S RIGHT I just got off the phone with Central States and here is the formula i was given on the requirements to receive health insurance when you retire. First off you must have paid into the pension fund for at least 20 years. Secondly you must have paid into the pension fund for at least 7 out of your last 10 years of work. And third you must have paid into the pension fund for at least 5 of your last 7 years of work. Meaning if this contract passes as written and your fund ask for an increase and by virtue of the contract abf can not pay a higher contribution rate you will then be placed into a 401K ceasing your pension paid in time and if you did not meet the requirements you will be unable to receive any HEALTH INSURANCE from the plan when you retire. At today's rate if you were to try to buy health insurance comparable our's it would cost $1500.00 and up. And that is at today's rate. SO before you send in your ballots get informed. YOUR BROTHER ALWAYS! PLEASE INFORM OTHER'S!