Retiree Information & Resources

Please note County Administrative Offices will be closed on Tuesday, November 8, 2022, for Election Day and Friday, November 11, 2022, in observance of Veterans Day.

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


FY2023 Retiree Cost of Living Adjustment (COLA) Information

All retirees with a Retirement Date of June 1, 2021, or before, will receive a 1% cost of living adjustment (COLA) which will be reflected on your August 1, 2022, benefit payment. 

The Frederick County Government County Executive and County Council also approved a one-time additional COLA, referred to as an Ad Hoc COLA,  All retirees with a Retirement Date of June 1, 2021, or before, will receive an additional 2% COLA which will be reflected on their August 1, 2022, benefit payment.

If you have any questions about the COLA that you will receive on your August 1, 2022, benefit payment, please contact Retirement Focus at 833-771-1496.  If you have not set up your online access via, 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.


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 FY23
  5. Forms

OPEN ENROLLMENT: October 31st - November 18th

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


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.