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Retiree Information & Resources
2022 Benefits Open Enrollment
Open Enrollment for benefits will begin on Monday, November 1, 2021 and end on Friday, November 19, 2021.
Open Enrollment for Retiree Benefits has been extended to TUESDAY, NOVEMBER 30th!
Open Enrollment is your opportunity to review your Frederick County Government benefits to ensure you have the coverage you need. During Open enrollment you may add or drop covered dependents, add or drop benefit plans and/or change your benefit plans.
Click HERE to be directed to our 2022 Retiree Benefits Open Enrollment Page.
Welcome Frederick County Government Retirees!
Frederick County Government is dedicated to providing you with the highest level of service and has recently partnered with Retirement Focus managed by Findley, Inc. (“Retirement Focus”) and Wilmington Trust to support the participants of our retirement plans. While Frederick County Government will remain the Plan Sponsor of the Retirement Plan, effective October 1, 2020, the service and administration of your retirement benefit payments will be maintained by Retirement Focus.
Effective with your October 1, 2020 payment, Wilmington Trust will begin issuing monthly payments on behalf of the plan. You will no longer receive payments from Frederick County Government. With this change, you do not have to take any action. We have provided answers to many of the most common questions HERE
To assist you with your initial login and an introduction to the self-service tools now available, please refer to the Retirement Focus User Guide.
We anticipate a smooth transition during this change, but please feel free to contact Retirement Focus should you have any questions or concerns at 833-771-1496.
Please note that pension information is specific to the Frederick County Employees Retirement Plan and does not apply to county employees who participate in the State of Maryland Retirement System.
For 457b Plan participants, after you retire you can deal directly with Empower's Retirement Solutions Group at 877-534-4569 . Retirement Solutions Group helps participants with:
* Savings and investing strategies
* Managed Accounts service
* Account consolidation and distribution
Retirement Plan Committee Information
Click HERE to be directed to the 2022 Retiree Benefits Open Enrollment Page
General Plan Information:
- Policy for Retiree Health Plan Coverage
- Health Benefit Presentation for Retirees
- 2021 Contribution Rates for Retirees
Health Plan Information:
- 2021 Cigna OAP In-Network Medical Plan Benefit Summary
- 2021 Cigna Open Access Plus Health Plan Benefit Summary - Enrollment Closed
- Healthy Rewards Vision Network Savings Flyer
- Health Plan Enrollment / Change Form
Vision Plan Information
Dental Plan Information (for Dental Eligible Retirees Only):
- 2021 Cigna Enhanced Dental Plan Benefit Summary
- 2021 Cigna HMO Dental Plan Benefit Summary
- Dental Plan Enrollment / Change Form
Should you have questions concerning retiree health and dental benefits, please feel free to contact Human Resources via email or call 301-600-1070.
Pay Dates
The pay date for the January 1, 2021 benefit payment will be Friday, January 1, 2021. Please note that due to the bank holiday it will not be available until Monday, January 4, 2021.
COLA for FY2022
This is a reminder that all retirees with a Retirement Date of June 1, 2020, or before, will receive a 1% cost of living adjustment (COLA) which will be reflected on your August 1, 2021, benefit payment.
As you may recall, the Frederick County Government County Executive and County Council previously approved a one-time additional COLA, referred to as an Ad Hoc COLA, with a three year tiered structure that extends varying benefits depending on date of retirement. This is the last year for the Ad Hoc COLA. Anyone that retired between January 1, 2009, and December 31, 2018, will receive an additional 1% Ad Hoc COLA
The Fiscal Year 2022 COLA change will be implemented July 1, 2021 and will be reflected in the August 1, 2021 benefit payment.
The Plan document states that a COLA evaluation will be performed every three years. The Frederick County Employees Retirement Plan Committee has requested our actuary, Bolton, to perform this evaluation at this time to determine what changes, if any, need to be made for the Fiscal Year 2023 COLA. The study will include these initial tasks:
- Compare historical plan-provided COLAs to inflation;
- Survey COLA plan provisions for comparator counties; and
- Identify any limitations on increases in the County contribution rates and/or decreases in the funded status of the plan if an additional one-time or permanent COLA was implemented.
Once the study is complete and reviewed by the Frederick County Employees Retirement Plan Committee, the Committee will make any recommendation(s) to the Frederick County Government County Executive and County Council for approval. As we have done in the past, should the Committee make a recommendation, communications will be sent to plan participants and retirees.
If you have any questions about the COLA that you will receive on your August 1, 2021, benefit payment, please contact Retirement Focus at 833-771-1496. If you have not set up your online access via www.retirementfocus.com, please contact Retirement Focus to unlock your account. Please remember that you may change your address, direct deposit, and Federal and state taxes over the phone by calling Retirement Focus or logging in to your Retirement Focus online account.
You can now update your address and contact information, direct deposit information, tax withholding and more through the Retirement Focus portal.
Log in to your account at www.RetirementFocus.com or call a Retirement Focus Representative at 833-771-1496.
To assist you with your initial login and an introduction to the self-service tools now available, please refer to the Retirement Focus User Guide.