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Your Employer's Bankruptcy: How Will It Affect Your Employee Benefits? (PDF)
Employee Benefits Security Administration [EBSA], U.S. Department of Labor [DOL] 
Dec. 24, 2002
"In the event the pension plan is terminated, the plan must vest your accrued benefit entirely. This means that the plan owes you all the pension benefits that you have earned so far, including benefits you would have lost if you had voluntarily left your employment. If your pension plan is ongoing, ERISA does not require that pension benefits be paid out before normal retirement age, usually age 65. Your plan may provide for distribution sooner than this." [Updated Dec. 2002]
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