MANION, Circuit Judge.
Early in his working career Garland Daill accrued 12-¾ pension credits under the sheet metal union's private pension fund. But after 12 years he left the union and worked the next 30 years for the city of Chicago. He then returned to work as a sheet metal worker. Although he had this 30-year break in service, the pension plan enabled participants who forfeited credits to recover them by earning 12 consecutive calendar quarters of pension...
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