If you would like information regarding early retirement and its effect on your Pension Plan, then you will need to read your Summary Description Plan to determine the exact specifications of your Pension Plan. Every employer can set the limits in their company's Pension Plan but they must follow state and federal guidelines. Every company has a different plan, so it is imperative that you read and follow the requirements of your particular plan. The Summary Plan Description is required by law to be administered to you, so you should have no problem receiving it and reading it over. If you are unable to receive a copy of your Summary Plan Description, you can contact the Department of Labor and request a copy.