WESLEY, Circuit Judge.
Background
Irene Kendall began working for Avon Products, Inc. ("Avon") in 1967 at age thirty. In 1980, she became disabled and collected disability benefits from Avon. Although she became eligible for early retirement in 1995 under Avon's retirement plan (the "Plan"), she continued to collect disability benefits, and to accrue years of service under the Plan, until 1999.
The Plan provides for an accrued benefit
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