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time you quit. These annuities will start, upon retirement from whatever your work may be at that time, but not earlier than age 60. 12. If you quit your job after you've had 10 years of service and become permanently and totally disabled thereafter, you are entitled to an immediate annuity based on the regular credits. (See table on last page.) 13. If you die from any cause after you've been working as a pilot for as long as one and one-half years and while you are still in service as an air line pilot, or if you die as a result of an accident incurred in the course of your employment as an air line pilot, no matter how brief a period you've been a pilot, survivor annuities are payable to your widow and minor children. This insurance is permanent after you've had 10 years as an air line pilot. The feature protecting the dependents of pilots who die from work injuries has just been added to the plan by the Interim Retirement Committee. Any air line pilot who is still active as such who has been employed as such a pilot for 10 years after 1936, has permanent survivors insurance- no matter whether he stays in the flying game or not. Many pilots would have permanent survivors' insurance on the first day the ALPA plan is effective. You can count service in the armed forced between 1939 and 1946 toward the 10 years. Survivors insurance consists of monthly incomes payable to widows with minor children, to the minor children themselves, to widows upon attaining age 60, and if there are no surviving widow or children, to a dependent mother when she is 60, or to a dependent father at 65. If there are no survivors entitled to immediate income benefits, a lump sum is payable. 11