7.7 Disability Retirement Benefit If you become disabled while you are a Pension Plan Participant, a Disability Retirement Benefit is available if you meet all the following requirements: you have at least five Contributory Years of Service; you have worked at least 1,500 Contributory Hours dur-ing the 36-month period which ends on the date you become disabled; you submit to the Trustees evidence of total and permanent disability; and you may be required to submit to examination by a physician selected by the Trustees. If you have received a lump sum distribution under the Plan, service before that distribution does not count toward the five Contributory Years of Service or the 1,500 Contributory Hours required for a Disability Retirement. The requirements to establish a total and permanent disability are: you cannot perform any job for which you are reasonably qualified by skill, education and age; and your disability is expected to last a minimum of three months and continue until death. If you are approved for Disability Retirement based on a determination of total and permanent disability, you must submit a written notarized application for benefits to begin. After you begin receiving Disability Retirement Benefits, the Trustees may require that you submit to re-examination by a physician chosen by them, but not more often than once every six months. If you refuse to be examined for the purpose of determining whether you still meet the requirements for Disability Retirement, or if an examination reveals that you no longer meet the requirements for a Disability Retirement Benefit, your benefit will stop. Your Disability Retirement Benefit is a monthly payment. The amount of your payment is calculated as a Normal Retirement Age benefit you have earned as of the date of your disability, reduced according to your age on your disability Retirement Date. A Disability Retirement does not provide you with unreduced benefits. The reduction based on your age will not go below the lesser of $69.90 (computed as a Straight Life Annuity) for each year of Contributory Benefit Service not to exceed seven years, or your Normal Retirement Age benefit. Disability Retirement Benefits end when your disability ends or on the date of your death, whichever is earlier. If your disability ends and you retire under the Pension Plan at a later date, your retirement benefits will be actuarially reduced for the Disability Retirement Benefits you received. You will also be able to choose a different form of payment. A factor of 80%, in addition to the factors described at the beginning of this Section is applied to Disability Retirement Benefits that are payable in the form of a joint annuity.