In your February benefit - Frederick County
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The
Jan 2022
W e hope you had a warm and safe
holiday season. We know it has been a
while since we posted a newsletter, but
we’re bringing it back!
So much has happened. Let’s start this year
off right! Grab a nice warm cup of (your
beverage of choice) and let’s catch up!
2022 Health Insurance Stay in touch…send us
Premiums will be reflected your email
in your February benefit Retirement@Frederick
payment CountyMD.gov
1099R Mailing
The 1099-R’s will be postmarked
and mailed to your home address by
January 31, 2021. 1099-R’s will be
sent from Wilmington Trust.
Did you know there is a Please keep in mind, if you turned
Facebook Group for 59½ in 2021, you will receive two
Frederick County 1099-R’s. One for the distribution
code of 2–Early Exception and one
Government Retirees? for the distribution code of 7–
Normal Retirement.
Join the FCG Retirees page here:
If you do not receive your 1099-R
https://tinyurl.com/yckhjfka and/or have any questions regarding
the form, please contact Retirement
Focus at 833-771-1496 or Bob Goff
at 301-600-1625.
2022 FCG HOLIDAYS
New Year’s Day 2022 . . . . . . . . . . . . . Friday . . . . . . . . . December 31, 2021 (Observed)
Martin Luther King Day . . . . . . . . . . Monday . . . . . . . . . . . . . . . . . . . . January 17, 2022
Memorial Day . . . . . . . . . . . . . . . . . . . Monday . . . . . . . . . . . . . . . . . . . . . . May 30, 2022
Juneteenth . . . . . . . . . . . . . . . . . . . . . Monday . . . . . . . . . . . .June 20, 2022 (Observed)
Independence Day . . . . . . . . . . . . . . . Monday . . . . . . . . . . . . . . . . . . . . . . . . July 4, 2022
Labor Day . . . . . . . . . . . . . . . . . . . . . . Monday . . . . . . . .. . . . . . . . . . . September 5, 2022
Election Day . . . . . . . . . . . . . . . . . . . . Tuesday . . . . . . . . . . . . . . . . . . November 8, 2022
Veterans Day . . . . . . . . . . . . . . . . . . . . . Friday . . . . . . . . . . . . . . . . . . November 11, 2022
Thanksgiving Holiday . . . . . . . . . . Thursday/Friday . . . . . . . . . November 24 & 25, 2022
Christmas Eve . . . . . . . . . . . . . . . . . . . . Friday . . . . . . . . December 23, 2022 (Observed)
Christmas Day . . . . . . . . . . . . . . . . . . . Monday . . . . . . . December 26, 2022 (Observed)
Who is Retirement Focus?
Retirement Focus is our Third Party Administrator of
the Frederick County Employees Retirement Plan
and the Frederick County Uniformed Employees
Retirement Plan (“The Plans”).
Frederick County Government partnered with
Retirement Focus in October 2020 to help provide
service and administration of retirement benefits
provided by The Plans.
When should I contact Retirement Focus?
• Update Direct Deposit
• Change Tax Withholdings
• Update Mailing Address
• Print Income Verification Letter
Log into your Retirement Focus account at
www.RetirementFocus.com or call their Customer
Service Center at 833.771.1496.
RETIREMENT BENEFIT
2022 PAY DATES
Advices are mailed to the address on file
with Retirement Focus
MONTH PAY DATE
January January 3, 2022
February February 1, 2022
March March 1, 2022
April April 1, 2022.
May May 2, 2022.
June June 1, 2022..
July July 1, 2022..
August August 1, 2022…
September September 1, 2022…
October October 3, 2022...
November November 1, 2022...
December December 1, 2022….
Committee Corner 2022 MEETING DATES
Meetings are typically held on
the second Tuesday* of the
month at 1:00pm.
As of July 1, 2021, The January 11th
Frederick County Employee
February 8th
Retirement Plan (FCERP)
updated the terms of the March 8th
Plan, as amended from time April 12th
to time and to recognize the May 10th
establishment of the June 14th
Frederick County Uniformed
July 12th
Employees Retirement Plan
(FCUERP). August 9th
September 13th
The Committee is now a October 11th
group comprised of eight (8)
November 8th
representatives appointed by
the County Executive with December 13th
confirmation by the County *Additional meetings may be
Council. held off-cycle and as needed.
BOARD MEMBERS
HR Director/Chair . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Wayne C. Howard
Finance Director . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Erin White
Retiree Representative . . . . . . . . . . . . . . . . . . . . . . . . . . Michael Marschner
FOP 102 (Law Enforcement) Representative . . . . . . . . . . . . . . . . . Jeff Hyatt
FOP 102A (Corrections) Representative . . . . . . . . . . . . . . . . . . Michael Bird
IAFF Representative . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . John Neary
Member at Large . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Diane Fox
Member at Large . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Michael Mills
IMPORTANT NOTICE TO
MARYLAND EMPLOYEES 2021 Maryland Earned Income
Did you know that federal and Maryland Tax Credit (EITC)
earned income tax credits are available to
certain low-income individuals and families? Maryland's EITC is a credit for certain
These credits can reduce the amount of taxpayers who have income and have
income tax you owe or increase your income worked. The state EITC reduces the amount
tax refund. You may qualify to receive some of Maryland tax you owe. The local EITC
of these credits even if you didn’t earn enough reduces the amount of county tax you owe.
income to be required to file a tax return. Some taxpayers may even qualify for a
refundable Maryland EITC.
Most taxpayers who are eligible and file for a federal EITC can receive the Maryland state
and local E ITC. The allowable Maryland credit is up to one-half of the federal credit. To be
eligible for the federal and Maryland EITC, your federal adjusted gross income and your
earned income must be less than the following:
• $51,464 ($57,414 married filing jointly) with three or more qualifying children
• $47,915 ($53,865 married filing jointly) with two qualifying children
• $42,158 ($48,108 married filing jointly) with one qualifying child
• $21,430 ($27,380 married filing jointly) with no qualifying children
Generally, to receive the Maryland EITC, you must be eligible for the federal credit.
However, If you do not meet the minimum age requirement under the federal credit and
are otherwise eligible for the federal credit for those without a qualifying child, you
may claim the state earned income tax credit (calculate federal earned income credit
disregarding the minimum age requirement). If your income is less than the amounts
shown in this notice, visit the Internal Revenue Service Web site at www.irs.gov, or
contact your tax advisor, to learn if you meet the other requirements. You also may be
entitled to a refundable Maryland EITC and to a local EITC.
If you are a part-year resident, you may be entitled to a prorated share of the credit, if you
have Maryland income. As of 2017, nonresidents are no longer eligible for the Maryland
credit.
For more information about the Maryland EITC, visit our Web site at
www.marylandtaxes.gov or call 1-800-MD-TAXES (1-800-638-2937) or from Central
Maryland 410-260-7980.
Reminder: Legally married same-sex couples must file as married filing jointly or married
filing separately for tax year 2021. Employees wishing to adjust their withholding to reflect
married status should complete a new Maryland Form MW507, as well as federal Form W4.
2021 Federal Earned Income Tax Credit (EITC)
For more information about the federal EITC, visit: www.irs.gov/eitc or call the IRS at 1-800-829-1040.Special Enrollment for
Cigna True Choice Medicare Plan Only
We are going to hold a mid-year Special Enrollment in May to
provide Frederick County Government Medicare eligible
retirees and/or spouses the opportunity to elect the Cigna
True Choice Medicare (PPO), a new Medicare Advantage Plan
offered through Frederick County Government. An
announcement with more detailed information, will be mailed
out in April with the enrollment period to be the month of
May. Forms will be due by June 1st and any changes will be
effective July 1, 2022.
New Health Insurance Cards
Those who have added a dependent during open
enrollment will receive a new card on/around January 1st.
Cards for the Cigna True Choice Medicare (PPO) plan will
include: your Medicare ID number, Cigna Medical Plan
number and Cigna Medicare Part D number.
If you made no changes, please continue to use your
current card(s).Cigna Medical, Dental & Vision Monthly Insurance Premiums for 2022
Cigna Medical Insurance Monthly Prem ium s
Service Date Service Date betw een Service Date betw een Service Date OR retirem ent date after
prior to 7/01/92 7/01/92 - 7/31/08 7/01/92 - 7/31/08 on/after 8/01/08 7/1/21 AND age 65+ w ith
Coverage Level 5-9.99 years of service
w ith 25 years of service
15% of prem ium 45% of prem ium 50% of prem ium 75% of prem ium 80% of prem ium
Individual OAP In-Netw ork $124.18 OAP In-Netw ork $372.53 OAP In-Netw ork $413.93 OAP In-Netw ork $620.89 OAP In-Netw ork $662.28
Open Access Plus $282.53 Open Access Plus $493.10
Ret + Spouse OAP In-Netw ork $247.35 OAP In-Netw ork $742.06 OAP In-Netw ork $824.51 OAP In-Netw ork $1,236.77 OAP In-Netw ork $1,319.22
Open Access Plus $555.91 Open Access Plus $978.79
Ret + Child(ren) OAP In-Netw ork $227.59 OAP In-Netw ork $682.78 OAP In-Netw ork $758.64 OAP In-Netw ork $1,137.96 OAP In-Netw ork $1,213.82
Open Access Plus $512.09 Open Access Plus $900.89
Family OAP In-Netw ork $363.14 OAP In-Netw ork $1,089.43 OAP In-Netw ork $1,210.48 OAP In-Netw ork $1,815.72 OAP In-Netw ork $1,936.77
Open Access Plus $813.01 Open Access Plus $1,435.42
Cigna True Choice Medicare Plan Monthly Prem ium s (Full Am ount Per Person $255.56)
Service Date Service Date betw een Service Date betw een Service Date OR retirem ent date after
prior to 7/01/92 7/01/92 - 7/31/08 7/01/92 - 7/31/08 on/after 8/01/08 7/1/21 AND age 65+ w ith
Coverage Level 5-9.99 years of service
w ith 25 years of service
15% of prem ium 45% of prem ium 50% of prem ium 75% of prem ium 80% of prem ium
Individual $38.33 $115.00 $127.78 $191.67 $204.45
Cigna Dental Insurance Monthly Prem ium s VSP Vision Insurance Monthly Prem ium s
Coverage Level Dental HMO Basic Dental PPO Enhanced Dental PPO Coverage Level VSP Vision
Individual $10.03 $28.36 $40.48 Individual $5.76
Ret + Spouse $20.09 $62.09 $88.65 Ret + Spouse $11.54
Ret + Child(ren) $25.15 $45.35 $64.76 Ret + Child(ren) $12.34
Family $33.39 $82.16 $117.36 Family $19.72BENEFITS QUESTIONS Ways to stay in touch:
Health / Dental Benefit:
Bob Goff 301.600.1625
Retirement@FrederickCountyMD.gov
• On Comcast:
Life Insurance Benefit: Channel 19 (SD) or
Catherine DiGennaro 301.600.1788 Channel 1085 (HD)
Benefits@FrederickCountyMD.gov
• Live Stream
Deferred Compensation 457 Benefit: www.FrederickCountyMD.
Catherine DiGennaro 301.600.1788 gov/FCGTV
Benefits@FrederickCountyMD.gov
Retirement Benefit:
Bob Goff 301.600.1625 www.youtube.com/FrederickCo
or Shanna Gibbons 301.600.1115 untyMD
Retirement@FrederickCountyMD.gov
Facebook
www.facebook.com/FrederickCo
Retirement Solutions untyGovernmentTV
Group
Website
For 457b Plan participants, after you
retire you can deal directly with
www.FrederickCountyMD.gov/R
Empower's Retirement Solutions etiree
Group at 877-534-4569. Retirement
Solutions Group helps participants
with: If you have any suggestions (and we want to
* Savings and investing strategies hear from you!) for information you would like
* Managed Accounts service to see published, please send your suggestions
* Account consolidation and to the Division of Human Resources, Attn:
distribution Shanna, 12 East Church Street, Frederick, MD
21701; or email your suggestion to
RETIREMENT®
SGibbons@FrederickCountyMD.govYou can also read
