Your Personal Identification Number (PIN) is required to access your personal account information and to initiate any transactions.  Please keep your PIN secure and should you forget your PIN, please follow the directions below to obtain a new one.

• To request a new PIN by phone call Empower Retirement Services at 1-800-743-5274.  When prompted enter your Social Security Number.  You will then be asked to enter your PIN.  When prompted press the star key (*) on your phone key pad.  You will then be asked a series of questions.  By answering the security questions, the system will assign you a temporary PIN.  You will then be prompted to change the temporary PIN to a 6 to 8 digit PIN the next time you log onto the system.  Your most recent pay stub may help in answering the questions.  If you are not able to answer the security questions, when prompted press the star key (*) on your phone key pad after each question.  You will then be routed to a service representative who will assist you in obtaining a new PIN.  Service Representatives are available Monday – Friday, 8:00 am – 8:00 pm Eastern Standard Time.
• To request a new PIN online, go to www.retiresmart.com/usw. Click on Forgot your PIN?   Enter your Social Security Number and follow the prompts.  If you experience any problems call Empower Retirement Services at 1-800-743-5274.

To change your address, complete the change of address form or call the Fund Office at 1-800-251-4108.

If you are signing up for direct deposit, you can indicate your new address on the direct deposit form.

You must update the Fund Office of any address changes to prevent interruption in benefits.

The plan allows you to change your contribution rate at any time. Please check with your employer for any restrictions they may have on making contribution rate changes. You should send a completed Savings Contribution Rate Election form to your employer. The form is located under Documents. 

Yes. You may rollover pre-tax dollars from a prior employer. Existing participants should contact Empower Retirement Services for a Rollover Statement. New participants wishing to enroll in the USW Industry 401(k) Plan by processing a rollover may contact the Fund Office at 1-877-344-4015 to request an Enrollment booklet and Summary Plan Description.

You may rebalance your existing account by logging into your account at www.retiresmart.com/usw. You may also contact Empower Retirement Services via phone at 1-800-743-5274.

You may initiate a loan by logging into your account at www.retiresmart.com/usw or by calling Empower Retirement Services at 1-800-743-5274.

A personal loan may be taken for a term of 1 year up to 5 years. A loan taken to purchase or build a primary residence may be taken for a term of 1 year to 15 years provided the proper documentation is submitted.

If you are on an approved leave of absence and have an outstanding loan balance, you may discontinue payments for up to one year, provided you are not receiving pay from your employer or is receiving pay less than the amount of the scheduled loan payment. Upon return to employment or suspension of loan repayments for one year, whichever is earlier, the loan repayments will be recalculated so that the entire loan balance is repaid within the period of the original loan term. You do have the option to submit a lump sum payment to make up for the missed payments. You may also submit catch up payments by doubling or tripling your payroll deductions. You will need to initiate this with your payroll and ensure payments are made within the cure period (see question 11 for definition) to prevent a loan default.

• If you are married, please complete a new Beneficiary Designation Form under Documents and return to Empower Retirement Services.
• If you are not married, you may update your beneficiary by logging into your account at www.retiresmart.com/usw.  If you do not have web access, please complete a new Beneficiary Designation Form and return to Empower Retirement Services.
• If your marital status is listed as unknown on your account, you will need to submit a completed Beneficiary Designation Form to Empower Retirement Services. Please submit the correct marital status to the Fund Office in writing to reflect properly on your account.

Please submit a copy of your marriage certificate, divorce decree, or other legal document that reflects the name change to the Fund Office.

Please notify the Fund Office in writing of the correct date of hire.

If you terminate your employment, you may leave your balance in the account at Empower Retirement Services. You will now be responsible for the administrative account fee if your employer previously paid this amount. You will see a quarterly deduction on your statement for $12.50.

You also may have other options including, but not limited to a rollover distribution of the account and a lump sum payable to yourself. Please contact Empower Retirement Services for a distribution package and additional information. A distribution package will not be mailed until your termination date has been updated on your account at Empower Retirement Services. Once the Fund Office receives the termination date and final contributions from the employer, the information will be updated and transmitted to Empower Retirement Services.