Retiree Information & Resources

Welcome Frederick County Government Retirees!

Frederick County Government is dedicated to providing you with the highest level of service. As of October 1, 2020, we havpartnered with Retirement Focus managed by USI Consulting Group formerly known as 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 October 1, 2020, Wilmington Trust began issuing monthly payments on behalf of The Plan. Benefit payments are no longer sent from Frederick County Government. 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 on the Retirement Focus portal (, please refer to the Retirement Focus User Guide. Please 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

FCG 275 Brandmark Opens in new window

Frederick County
275th Jubilee

Volunteers are key to our 275th Jubilee!

Plans for the Frederick County 275th Jubilee celebration are well underway.  The free event will be held rain or shine on June 10, 2023, at Utica District Park from 3PM to 10PM.  

We are in need of volunteers for our 275th Jubilee on Saturday, June 10th. Shifts are scheduled from 1PM – 6PM and 6PM – 11PM. Your friends and family are also welcome to volunteer with us. Please do not hesitate to contact me if you have any questions. Thank you for your support. 

If you would like to volunteer, please complete the SignUpGenius link and the volunteer registration:


2023 Picnic Flyer Opens in new window
Reserve your tickets for the 
2023 Annual FCG Employee  
Appreciation Picnic at:

      Deadline to request tickets is Friday, June 2nd at 4:00pm EST
Click on the flyer for more information.



Beginning January 1, 2023, pay advices from Wilmington Trust will have a new look. They will be printed on check stock paper, but is NOT a real check. It is a confirmation of your retirement benefit deposit. 

Click here to see a sample of the new pay advices.


1099-R forms for 2022 will be mailed by Wilmington Trust and postmarked by January 31, 2023. 

If you have any questions about your 1099-R or have not received it by February 15th, please contact Retirement Focus at 1-833-771-1496


  1. Health Benefits

Click HERE to be directed to the 2023 Retiree Health Benefits Page


* * * REMINDER * * *

Anyone enrolled in a Cigna Medical plan through Frederick County Government for 2023 will receive a new Medical ID card(s) in the mail. Use your new ID card(s) starting 1/1/2023 for any medical or pharmacy services. 

Your old ID card will not be valid after 12/31/2022.

You may view/print your new ID card(s) at any time through or the mycigna app, after 1/1/2023.

If you have questions you may reach the retirement team at or you may contact Cigna directly at 1-800-244-6224.

Cigna ID Card Plan Name Equivalents

  • Open Access Plus = Cigna OAP 
  • OA Plus In-network = Cigna Open Access Plus (OAP) In-network plan

Should you have questions concerning retiree health and dental benefits, please feel free to contact Human Resources via email or call 301-600-1070.

  1. Newsletter
  1. Pay Dates
  1. COLA FY23
  1. Forms
  1. Useful Links