Retirement Planning
Thinking about retirement? This page will help you prepare for retirement, 无论你是打算今年退休还是在未来退休.
Be sure to visit PenPoint, MCPS员工的自助退休系统, 点击右边的登录按钮，输入你的MCPS用户名和密码. PenPoint允许您访问您的年度退休福利报表，并根据不同的情况估计您的MCPS核心和补充退休福利金额.
下面的选项卡提供了其他退休信息的链接, including retirement publications, forms, a retirement timeline, and details about retiring after disability.
- Watch training videos on how to use PenPoint
- State core plan member? 查看您的1099-R和/或个人利益声明
- Request a pension refund or rollover for employees who have resigned
- Read important information 为即将从MCPS退休或辞职的员工准备
- 查看退休信息和表格网络研讨会的录音 (closed captioning now available)
Active employees:
Log in below to access
your retirement information.
Now available in PenPoint: Retirement Benefit Statements as of June 30, 2023
General Retirement Resources
- Retirement Savings 描述你的养老金计划和其他退休储蓄福利.
- MCPS核心及补充退休福利声明 在上一财政年度结束时，提供您预计的退休福利. Current statements are available via PenPoint; statements prior to 2014 are available on myMCPS.
- Statement of State Core Retirement Benefits 在上一财政年度结束时，为国家核心计划成员提供退休福利.
- Understanding Your Retirement explains the retirement process and benefits.
- 退休资讯会及表格工作坊 (录制的网络研讨会和现场活动)帮助完成退休程序和填写退休表格.
- 马里兰州退休机构(MSRA)退休前研讨会 在马里兰州为国家核心养老金计划成员在退休后的八年内持有多少.
- Retiree Benefit Summary informs you of your benefit options as a retiree.
- Retiree Benefit Rate Schedules 在每个费用分摊安排中，在多个图表中提供每月的福利成本，同时考虑到健康计划的信用或费用.
Retirement Preplanning and Application Forms
Retirement Preplanning Forms
Thinking of retiring? 点击您的核心计划会员，以访问您在计划退休时可能需要的表格.
Retirement Application Forms
Ready to retire? 按一下您的核心计划会员，便可查阅所需的退休申请表. 请务必在预期退休日期前至少30天提交申请表格.
Retirement Timeline
Considering retirement within the next 3 years? 点击每个时间表，查看为退休做准备的详细行动列表.
36 months or more
在这个阶段，你能做的最重要的一步就是做你的家庭作业.
- 检查你的MCPS核心和补充退休报表 查看您目前预计的退休福利金额和退休日期. 州核心计划成员可以查看他们的退休报表 here.
- Read Understanding Your Retirement 有关你的退休福利和时间表的详细信息，以帮助你完成退休程序.
- Read The Mentor 获取有关马里兰州退休和养老金制度(MSRA)退休前研讨会的信息，以及MSRA成员退休后12个月内的退休清单.
- Read Retiree News，为“即将退休”和目前退休的人提供更多有用的信息.
- 参加信息研讨会，听取专家的意见.
9 to 12 months
Start taking concrete steps toward your retirement.
- Request an estimate of retirement benefits
- 运行MCPS核心和/或补充养老金估算 PenPoint
- MSRA Retirement Benefit Estimator
- 申请购买任何符合条件的服务和/或兵役信用
- 为您的州核心计划申请购买服务和/或军事信贷:
- Submit 州表26:要求购买以前的服务 as indicated on form instructions
- Submit 州表43:服兵役退休抵免申请 as indicated on form instructions
- 为您的MCPS核心计划和/或补充计划申请购买服务和/或军事信用:
- Submit ERSC Form 421: Request to Purchase Service 接收采购服务的成本估算
- Submit MCPS Form 455-18: Statement of Military Service to transfer military service
- Contact ERSC 有关购买或转让服务的更多详情
- 为您的州核心计划申请购买服务和/或军事信贷:
- Prepare your retirement budget
6 months
确保你知道所有的细节，以确保顺利过渡.
- Read the Retiree Benefit Summary 熟悉退休人员的福利选择.
- Review the applicable rate chart in the Retiree Benefit Rate Schedules.
- 与你的家人和/或财务顾问讨论你的福利支付方案.
3 months
- Download your retirement application forms
- 确定你的联邦和州扣缴金额. Consult with your tax advisor for assistance.
- If eligible, contact the Social Security Administration to file for Social Security benefits and enroll in Medicare Parts A and B if you and/or your spouse are 65 or older.
- 检查你的403(b)和/或457(b)计划选项，包括病假和/或年假支付的滚动支付.
- 7月1日退休的MCEA成员必须在4月1日前向ERSC提交所有退休表格，才有资格获得未休病假余额的35%. Learn more about the MCEA sick leave payoff.
1 - 2 months
寄上你的退休表格，开始向退休过渡.
- Return all retirement forms to ERSC, 包括403(b)或457(b)假期支付供款协议，以滚动支付年假和/或病假, 以及你的医疗保险卡a和B部分的复印件, 如果你或配偶/受抚养人有资格享受医疗保险.
- 所有表格必须在退休日期前至少30天由ERSC收到.
Disability Retirement
Learn more about applying for a disability retirement.