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Retiree Information & Resources
Welcome Frederick County Government Retirees!
Welcome to the Frederick County Government Retirees’ Website! This site provides essential information about the Frederick County Employees Retirement Plan (FCERP), the Frederick County Uniformed Employees Retirement Plan (FCUERP), and Retiree Healthcare Resources.
Our mission is to support you with comprehensive retirement, disability, and survivor benefits, funded through contributions and investments. We are committed to helping you navigate your retirement journey with confidence and ease.
Please note: While Frederick County Government remains the Plan Sponsor for the County Retirement Plans, effective October 1, 2020, the administration and payment of your retirement benefits are now managed by Retirement Focus.
Important: This information applies only to the Frederick County Employees Retirement Plan. It does not apply to employees or retirees participating in the State of Maryland Retirement System.
For Deferred Compensation 457(b) Plan Participants
Once you retire, you may work directly with Empower’s Retirement Solutions Group at 877-534-4569. They can assist you with:
- Savings and investment strategies
- Managed Accounts service
- Account consolidation and distribution options
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Retirees in the County Plan
You can now update your contact information, direct deposit, tax withholdings, and more through the Retirement Focus portal at www.RetirementFocus.com or by calling 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.
Retirees in the State Plan
You can update your contact information, direct deposit, tax withholdings, and more through the mySRPS portal at https://sra.maryland.gov/.
Questions should be directed to Member Services at:
- Local: (410) 625-5555
- Toll Free: (800) 492-5909
- Email: sra@sra.state.md.us
IRS Form 1099-R Tax Statements for 2025
For County Retiree’s: 2025 tax statements (IRS Form 1099-R) were mailed out on Friday, January 16, 2026. Please allow at least 10 business days for delivery. If you have not received your 1099R by February 15, 2026, please contact Retirement Focus at (833) 771-1496 to request a reprint. We appreciate your patience.
For State Retiree’s: 2025 tax statements (IRS Form 1099-R) have been mailed. mySRPS registered users may download their 1099-R using the Maryland State Retirement and Pension System’s secure website at https://sra.maryland.gov. Not a registered mySRPS user? Click here to learn more.
If you have not received your 1099R by February 15, 2026, or have questions about your 1099R, please contact the Maryland State Retirement Agency member Services toll-free at (800) 492-5909, locally at (410) 625-5555, or via email at sra@sra.state.md.us.
Employees who retired in 2025 will also receive a W-2 from Frederick County Government. They will be postmarked no later than January 31, 2026, and mailed to the employee’s home address on record. If you do not receive your W-2 by February 15, 2026, please contact our Payroll Department at Payroll@FrederickCountyMD.gov or (301) 600-1123.
If you have any questions, please contact Bob Goff at Retirement@FrederickCountyMD.gov, RGoff@FrederickCountyMD.gov, or (301) 600-1625.
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FY2026 Retiree Cost of Living Adjustment (COLA) Information
Every year the Frederick County Employees and Uniformed Employees Retirement Plans provide a cost-of-living adjustment (COLA). The new COLA provisions effective July 1, 2023, provide a COLA tied to the Consumer Price Index (CPI) and is based on the change in the CPI measured as of March 1 each year. The minimum adjustment is one percent (1.0%), and the maximum adjustment is three percent (3.0%) per year. The COLA is applied once your benefits have been in pay status for at least 12 months.
The change in the CPI effective March 1, 2025, was 1.9%. All retirees with a Retirement Date of June 1, 2024, or before, will receive a 1.9% COLA and this will be reflected on your August 1, 2025, benefit payment.
If you have any questions about the COLA, please contact Retirement Focus at 833-771-1496. If you have not set up your online access via www.retirementfocus.com, please call Retirement Focus to unlock your account.
Please remember that you may update your contact information (address, phone number and email), direct deposit information, Federal and state tax withholdings, and request/print an income verification letter over the phone by calling Retirement Focus or logging in to your Retirement Focus online account.