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



Medicare-Eligible Retirees/Spouses: Covid-19 Update Free Medicare Over-The-Counter Test Initiative

Click HERE for more information


2022 FCG Employee Appreciation Picnic & Award Ceremonies 

Circus Man Opens in new window

Picnic Flyer

Click Here for More Information



Cigna True Choice Medicare (PPO) Plan - Special Enrollment Opportunity

Special Open Enrollment Opportunity for Medicare Eligible Retirees (and Spouses) Only

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).


  • Future Medicare eligible retirees and spouses will also have the option to enroll in the Medicare Advantage Plan with Cigna. An informational packet will be mailed to your home prior to your Medicare eligible date. 
  • This enrollment opportunity is for the sole purpose of enrollment into the Cigna True Choice Medicare (PPO) Plan. 
  • Dental and Vision additions and / or changes will not be accepted through this special enrollment process. Dental and Vision additions and / or changes are only accepted during Annual Open Enrollment and / or within 30 days of a qualifying life event.

Special Enrollment (ONLY) Form

Special Enrollment Rate Sheet 


Special Enrollment Presentation

Retiree Health Benefits Page


1099-R forms have been mailed by Wilmington Trust. 

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

  1. Health Benefits
  2. Newsletter
  3. Pay Dates
  4. COLA FY22
  5. Forms

Click HERE to be directed to the 2022 Retiree Health Benefits Page

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