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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
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ANNOUNCEMENTS
Medicare-Eligible Retirees/Spouses: Covid-19 Update Free Medicare Over-The-Counter Test Initiative
Click HERE for more information
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Click Here for More Information
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Frederick County Government is inviting Medicare-eligible retirees and their spouses to enroll in the Cigna True Choice Medicare (PPO) Plan by offering a one-time Special Enrollment Opportunity. This special enrollment period will begin on May 1, 2022. If you wish to enroll in this Medicare plan, an enrollment form must be received by Frederick County Government Human Resources no later than Friday, May 27, 2022. Coverage would begin on July 1, 2022.
The Cigna True Choice Medicare (PPO) Plan is a Medicare Advantage plan. Medicare Advantage plans are sometimes called Part C or MA plans. The Cigna True Choice Medicare (PPO) Plan closely matches the current OAP In-Network plan design and includes Medicare Part D prescription drug coverage. There is a comparison of the two plans on the Retiree Health Benefits Page under the Medical Plan Information Tab.
Participants can see any doctor who accepts Medicare and this plan. Accepting the plan means the doctor is willing to treat you and bill Cigna, even if they’re not contracted with Cigna as a network Medicare Advantage provider. You pay the same cost share whether you see a network or out-of-network provider.
More information will be sent to Medicare-eligible retirees and/or spouses ONLY.
RSVP for one of our three (3) informational seminars (details in the Announcement Column).
NOTE:
Special Enrollment (ONLY) Form
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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.
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:
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.