No, you were very coherent, just wrong in thinking your PCT was your PT pension. That is a separate trust fund from your pension. Your PT years contributed to your pension with the WCT, THAT IS YOUR PENSION. All of those years also count toward your pension credits, not separately, but as a whole. The PCT is not your pension, in any fashion, or under any terms. It is a separate trust fund that is contributed to at $.10/hr for PTers. Mine shrinks every year because the interest doesn't ad up as fast as the administrative fees do, that is not what a pension does.