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for the payment of retirement benefits in the event an employee
ceased employment with Hadd-Too due to total disability:
4.05 Disability: A participant whose service with the
Employer ceases due to a total disability for a period
of twelve (12) months or more, prior to his normal, or
where applicable, late retirement date, shall receive
the actuarial equivalent of his Accrued Benefit. A
participant is deemed disabled, if he is receiving
Social Security disability payments or is receiving
disability insurance payments from any duly organized
insurance company by reason of total disability as
defined by the payor of the disability benefit. * * *
A participant's "accrued benefit" was defined by the Plan as the
normal benefit as of normal retirement age multiplied by a
fraction, the numerator of which is the number of years of
participation in the Plan, and the denominator of which is the
number of years of participation if the participant had continued
to his normal retirement age.
At the time of the distribution to Mr. Hall, he had a
diseased foot, which later required amputation below the knee.
Mr. Hall essentially lost the use of his right foot prior to
1988. He remained employed with Hadd-Too until his retirement in
1988. As of December 31, 1988, Mr. Hall was fully vested in the
Plan.
In 1992, Mr. and Mrs. Hall separated, and Mrs. Hall
initiated divorce proceedings. They lived separate and apart
from 1992 until late 1993. At the time of Mr. Hall's death in
January 1994, however, Mrs. Hall had returned to live with and
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