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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 have partnered 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 (www.RetirementFocus.com), 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
Click HERE to be directed to the 2024 Retiree Health Benefits Page
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If you have questions you may reach the retirement team at retirement@frederickcountymd.gov or you may contact Cigna directly at 1-800-244-6224.
Click HERE to be directed to the 2023 Retiree Health Benefits Page
Pay Dates
The pay date for the January 1, 2023 benefit payment will be Monday, January 2, 2023. Please note that due to the bank holiday it will not be available until Monday, January 2, 2023.
FY2024 Cost of Living Adjustment (COLA) for Retirees
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, and the maximum adjustment is three percent 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, 2023, was 3.59%. All retirees with a Retirement Date of June 1, 2022, or before, will receive a 3% COLA (maximum percentage) and this will be reflected on your August 1, 2023, 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.
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.