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Employee Retirement Benefits

This program is available to all full-time and eligible part-time employees who are under established positions that last more than six months. Since July 1st, 2011,  employees enrolled in the FRS will contribute 3% of their salary (except DROP Members). For more information on vesting,  please review Vesting section under “Preparing to Retire” below.


Preparing to Retire - Florida Retirement System (FRS) - Pension Plan Regular Service and DROP
  1. Request an Estimate
    1. Complete an FR-9 form available at https://www.rol.frs.state.fl.us/forms/fr-9.pdf or by email Calculations@frs.state.fl.us or by calling 1 (888) 738-2252
    2. FRS will mail the estimate to your home address.
    3. Contact the Benefits Dept. at (305) 237-2010 to set up an appointment with a Benefits staff member.
  2. Vesting - (Service requirement)
    1. 6 years of creditable service (Any FRS employer) for members enrolled in the FRS prior to July 1, 2011.
    2. 8 years of creditable service (Any FRS employer) for members first enrolled in the FRS on or after July 1, 2011.
  3. Eligibility Requirements for Normal Retirement Benefits
    1. Members enrolled in the FRS prior to July 1, 2011
      1. 6 years of FRS service at age 62 or
      2. 30 years of FRS service at any age
    2. Members first enrolled in the FRS on or after July 1, 2011
      1. The first day of the month age 65 is attained and is vested or
      2. The first day of the month following the date 33 years of creditable service is completed, regardless of age before age 65
    3. Early retirement options - Benefit reduced 5% per year under age 62
  4. Required documents for Normal Retirement
    1. FR-11 (Application for Service Requirement)
    2. FRS-11o (Option Selection for FRS Members)
    3. SA-1 (Spousal Acknowledgment)
    4. BVR-1 ( Request for Proof of Age) -  a list of items is available at  www.rol.frs.state.fl.us/forms/bvr-1.pdf
  5. Eligibility for DROP (Deferred Retirement Option Program)
    1. Members enrolled in the FRS prior to July 1, 2011
      1. 6 years of FRS creditable service at age 62 or
      2. 30 years of FRS creditable service, regardless of age before age 62*

*Exception : If you complete 30 years of service before you attain age 57, you may defer participation in DROP and elect to begin at any time between the month after you complete 30 years of service and the month you attain age 57 and still participate for up to 60 months. However, if you miss that date and wish to participate, you still have 12 months to make the election, until the month before you would turn age 58

    1. Members first enrolled in the FRS on or after July 1, 2011
      1. 8 years of FRS creditable service at age 65 or
      2. 33 years of FRS creditable service, regardless of age before age 65*

*Exception : If you complete 33 years of service before you attain age 57, you may defer participation in DROP and elect to begin at any time between the month after you complete 33 years of service and the month you attain age 57 and still participate for up to 60 months. However, if you miss that date and wish to participate, you still have 12 months to make the election, until the month before you would turn age 58

  1. Required documents for DROP (Deferred Retirement Option Program)
    1. DP-11 (Application for Service Requirement)
    2. DP-ELE (Notice of Election to Participate in the Deferred Retirement Option Program)
    3. FRS-11o (Option Selection for FRS Members)
    4. SA-1 (Spousal Acknowledgment)
    5. BVR-1 ( Request for Proof of Age) - a list of items is available at  www.rol.frs.state.fl.us/forms/bvr-1.pdf

Preparing to Retire - Florida Retirement System (FRS) – Investment Plan

  1. Request an Estimate/Annuity Quote
    1. Contact the MyFRS Financial Guidance Line at 1-866-446-9377, Option 2, or visit MyFRS.com.
    2. Contact the Benefits Dept. at (305) 237-2010 to set up an appointment with a Benefits staff member.
  2. Vesting – (Service requirement)
    1. 1 year of service (Any FRS employer)
  3. Eligibility Requirements for a Distribution of Any Kind (including a rollover)
    1. 3 calendar month termination period from ALL FRS-covered employment following the date of termination or
    2. If you meet the FRS Pension Plan normal retirement requirements, you may be eligible to receive a one-time distribution of up to 10% of your account balance after being off all FRS-covered payrolls for one full calendar month and the remaining balance after a total of 3 calendar months.
    3. After meeting the termination requirements for a distribution of any kind (lump sum, rollover, annuity, etc.), you can initiate a distribution by either calling the FRS Investment Plan Administrator at 1-866-446-9377, Option 4, or log on to MyFRS.com. You will need your PIN (Personal Identification Number) to process the distribution. Call the Investment Plan Administrator if you have lost your PIN. Your PIN will be sent to you via regular U.S. mail.
  4. Required documents for Termination and a Distribution of Any Kind (including a rollover)
    1. Contact the MyFRS Financial Guidance Line for information and review the MyFRS Termination Kit on the MyFRS website.
    2. Investigate your distribution options by calling the MyFRS Guidance Line
    3. Submit all forms on time and to the right place
  5. Prior to Distributions of any Kind
    1. Familiarize yourself with the reemployment after retirement provisions. Review the MYFRS Termination Kit .
    2. The reemployment laws are complex. The FRS strongly recommends that you call the MyFRS Financial Guidance Line and speak with one of their financial planners (1-866-446-9377, Option 2) before initiating any distribution.

E-Mail a Benefits Representative - benefits@mdc.edu

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