You may request payment of your benefits at any time after you stop working for the Company, after you reach age 65 (even if you are still working), or upon total disability. Once you retire, federal law requires that your benefit payments begin no later than the April 1 after the calendar year in which you attain age 72 (age 73 if you were born after December 31, 1950), or the April 1 after the calendar year in which you retire, if later.