Retiree Information & Resources

Welcome Frederick County Government Retirees!

This page gives you access to both information and resources that may prove useful to you in your retirement. Human Resources has included links to forms you may need and to the current retiree newsletter. 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. Information about Frederick County Government retiree health benefits can also be found on this page.

2018 IRS Form 1099R

The Form 1099R's have been mailed to your home address on record. Please keep in mind, if you turned 59-1/2 in 2018, you will receive two Form 1099R's. One for the distribution code of 2 - early exception and one for the distribution code of 7 - normal retirement. If you do not receive your Form 1099R and/or have any questions regarding the form, please contact Human Resources via email  or phone at 301-600-1625.



The Frederick County Employees Retirement Plan Committee may have the opportunity to present four proposed amendments to the Plan Document. If you wish to provide public input, please see the County Council Calendar and Agendas to see when they will be considered. It is anticipated that the timeline for the proposals will be as follows:

  •   First Reading: Tuesday, January 15, 2019, 5:30pm
  •   Second Reading (Public Hearing): Tuesday, February 5, 2019, 7:00pm
  •   Third Reading: Tuesday, February 19, 2019, 5:30pm
If you would like to attend in support of, or for public comment, your attendance will greatly be appreciated. If you are unable to attend and wish to watch the meeting(s), tune into FCG TV Live on Local Comcast Channels 19 and 1085 or and click the link for FCG TV.

The proposed amendments are as follows:

Ad Hoc Cost of Living Adjustment for FY2020 - Should the County Executive approve an amendment to the Frederick County Employees Retirement Plan (the "Plan") that (1) provides for a one time cost of living adjustment to retirees' benefits, which will be phased in over a period of three years, up to a maximum of five percent (5%) of the retirees' monthly benefit payment, depending on the period in time when the Participant's retirement occurred, and (2) requires that the Retirement Plan Committee (the "Committee") evaluate the adequacy of cost of living adjustments every three years to assess the impact of inflation on retirees' benefit payments, and forward this amendment to the County Council for their consideration?
Frederick County Council to consider an additional Cost of Living Increase (COLA) for Retirees. During 2018 the Frederick County Retirement Plan Committee reviewed several options to provide an additional COLA for existing Retirement Plan participants. Ultimately the Committee made a recommendation to the County Executive to provide a one-time additional COLA with a tiered structure that extends a greater benefit to the longer term retirees. This new one-time COLA would be in addition to the 1% compounding COLA already provided by the Plan. This tiered structure, which would be provided over three years beginning with Fiscal Year 2020 (July 1, 2019), is shown below in Table 1.
The County Executive supports this one-time tiered and phased in COLA. Since this requires a Plan Amendment it has been submitted as a Bill to the Frederick County Council. The proposed bill will also require that future additional COLA adjustments be evaluated at least once every three years following the adoption of this Plan Amendment and in conjunction with the actuarial valuation of the Plan. This should ensure that any future COLA will be considered on a more frequent basis.
Ad Hoc Capture
The Bill to Amend the Retirement Plan to add this new COLA for existing retirees will be introduced to the County Council on January 15, 2019, The Council will hold a Public Hearing at Winchester Hall regarding the Bill on February 5, 2019.* Retirees who are interested in this Bill and COLA can see a copy of the bill on the County’s Web site under the Human Resources Page - Retiree Information & Resources. Retirees that have questions about this Bill can contact Diane Hoffman in Human Resources at 301-600-1625 or Michael Marschner, the Retiree member of the Plan Committee, at 301-600-1133.

Cessation of Interest Accrual on Employee Contribution Accounts for Terminated, Non-Vested Participants - Should the County Executive approve an amendment to the Frederick County Employees Retirement Plan (the Plan") that provides that the employee contribution accounts of employees who terminate employment with the County before earning a vested interest in a future retirement benefit will cease having interest credited to the account as of the July 1 that is at least 12 months following the individual's termination of employment, and forward to the County Council for their consideration?

Internal Revenue Service Requested Changes - Should the County Executive approve an amendment to the Frederick County Employees Retirement Plan (the Plan") that provides for changes to the Plan requested by the Internal Revenue Service in conjunction with issuance of a determination letter for the Plan, and forward to the County Council for their consideration?

Reinstatement of Grant Funded Employees as Participants in the Plan; Termination of Defined Contribution Plan - Should the County Executive approve an amendment to the Frederick County Employees Retirement Plan (the DB Plan") that (1) provides that employees classified by the County as "grant funded" be eligible to participate or resume participation in the DB Plan and (2) provides that grant funded employees receive credit for service under the DB Plan for all years of County employment and that the grant funded employees' account balances under the Frederick County, Maryland Defined Contribution Plan (the "DC Plan") will be transferred to the Plan? Should the County Executive recommend adoption of a Resolution to terminate the Frederick County, Maryland Defined Contribution Plan, and forward to the County Council for their consideration?

* Retirees should check the County Council schedule to verify the date of the Public Hearing in case of agenda changes or inclement weather.


Forms are made available on this website in Abode PDF format; once you open any of the forms below, you can print a copy on your local printer. If you need to download and install the free Adobe software, please visit Adobe's website.  



(Adobe PDF format)

    The Retire Flyer Jan 2019

    The Retire Flyer Oct 2018

    The Retire Flyer Jul 2018

    The Retire Flyer Apr 2018   


Pay Dates

(Adobe PDF format)

The pay date for the January 1, 2019 benefit payment will be Tuesday, January 1, 2019. Please note that due to the bank holiday it will not be available until Wednesday, January 2, 2019.

    2019 Pension Pay Dates

Should you have questions concerning any of this information, please feel free to contact Human Resources via email or via phone at 301-600-1625.