I have been on and off work from the sheet metal workers union for the last four years.. I finally pulled the plug and landed a job with a commercial service contractor. The pay is about 25% less with no health insurance , retirement or annuity . Etc.. I have the opportuinity to get back to the union on a job that will last at least a year but after that who knows..maybe laid off again?? I am learning a lot of new skills with the new job but i am thinking long term if i should go back union and get the pension credit.? I have about 11 years of service in the union now..