Retiree Information & Resources

Important Clip Art

1099R Tax Statement  

As a reminder, Retirees will receive two 1099R tax forms. One from Frederick County Government for payments issued through September 1, 2020, and one from Wilmington Trust for payments issued October 1 through December 1, 2020. Both 1099R forms will be postmarked by January 31, 2020

USPS is experiencing unprecedented volume increases and limited employee availability due to the impacts of COVID-19. Please allow extra time for the delivery of these forms. If you have not received your 1099R by February 20, 2021, please contact the appropriate agency to request a reprint. We appreciate your patience.

Please keep in mind, if you turned 59 ½ in 2020, normally you will receive two 1099R’s. This year you will receive three 1099’s. One for the distribution code of 2 – early exception and one for the distribution code of 7 – normal retirement. 

If you do not receive your 1099R from Frederick County Government and/or have any questions regarding the form, please contact Bob Goff at or (301) 600-1625.

If you do not receive your 1099R from Wilmington Trust, please contact Retirement Focus at (833) 771-1496.

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Welcome Frederick County Government Retirees!

Frederick County Government is dedicated to providing you with the highest level of service and has recently partnered with Retirement Focus managed by 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 with your October 1, 2020 payment, Wilmington Trust will begin issuing monthly payments on behalf of the plan.  You will no longer receive payments from Frederick County Government.   With this change, you do not have to take any action. 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, please refer to the Retirement Focus User Guide.

We anticipate a smooth transition during this change, but please feel free to 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


  1. Health & Dental
  2. Newsletter
  3. Pay Dates
  4. COLA FY20
  5. Forms


  • Your 2021 benefit premiums will be reflected on your 2/1/2021 pension check for County retirees or 1/31/2021 pension checks for State retirees. 
  • If you are a self-pay retiree and send your payments directly to the Frederick County Treasury, your coupons have been mailed. Due to delays with USPS, you may want to consider submitting payment in another way. You may make a payment with Treasury by calling 301-600-1111.
  • Everyone enrolled in a Cigna medical plan for 2021 will receive a new medical ID card in the mail. Your Cigna ID number(s) is remaining the same, however the prescription numbers are changing. Your old Cigna medical ID card will not work at the pharmacy past 12/31/20.
    • Cigna participants may also view and/or print their ID cards on or after 1/1/21 through their portal or the mycigna app.
  • If you are enrolled in the VSP vision plan, you will not receive an ID card. VSP is a paperless company. Your VSP network provider will verify your coverage with your date of birth and the last four digits of your social security number. 
  • Cigna ID cards are sent in a plain white envelope with little identifying information to protect from identity theft. Please be mindful of this when reviewing your mail.


Enrollment forms are fillable and require a digital signature. Instructions are located here: If you are unable to put your signature in, please just put your initials next to the date on the same line. You may also print the forms and complete by hand. Forms should be submitted to

General Plan Information:

Health Plan Information:

Vision Plan Information

Dental Plan Information (for Dental Eligible Retirees Only):

Should you have questions concerning retiree health and dental benefits, please feel free to contact Human Resources via email or call 301-600-1190.