Publications


New Hires | Active Members | Planning for Retirement | Newsletters | Miscellaneous | Retirees | Survivor Benefits | Employers | Plan Information | QDROs

NEW HIRES


#1 Adobe PDF icon Employee Orientation Brochure Quick guide for new employees giving a high level overview of both retirement plans (formal title is, "Your Money Your Choice: Welcome to the Florida Retirement System").
#2 Adobe PDF icon New Employee FRS Enrollment Kit Guide mailed to all new employees explaining their retirement plan choice options (included in the New Employee FRS Enrollment Kit).
#3 Adobe PDF icon Plan Comparison A brief side-by-side comparison of the two retirement plans so employees can see - at a glance - what the key differences are between them.
#4 Adobe PDF icon Plan Comparison Quick Guide A snapshot of the two retirement plans and the differences between them.
#5 Adobe PDF icon Your Guide to FRS Resources Brochure A short summary of the free FRS resources available to all active FRS members after they have made their retirement plan choice.
#6 Adobe PDF icon Investment Funds Summary A summary of each of the investment funds offered under the FRS Investment Plan. It very briefly describes each fund’s investment objective and strategy, and where that fund falls on a risk/reward spectrum.
#7 Adobe PDF icon Investment Fund Summary - Quick Guide A quick-guide summary of each of the investment funds offered under the FRS Investment Plan.
#8 Adobe PDF icon Notice of Scope of Financial Services Summary of financial services provided by Financial Engines and Ernst & Young.
#9 Adobe PDF icon State University System SUSORP-Eligible Employees Brochure Brochure for new University employees who are eligible to participate in the State University System Optional Retirement Program, Pension Plan, and Investment Plan.


ACTIVE MEMBERS


SUMMARY PLAN DESCRIPTIONS/GUIDES
Pension Plan
#10 Adobe PDF icon FRS Pension Plan Summary Plan Description Important information members need to know about the Pension Plan.
#11 Adobe PDF icon Pension Plan Member Handbook Guide that explains the benefits and policies of the Pension Plan.
Investment Plan
#12 Adobe PDF icon FRS Investment Plan Summary Plan Description Important information members need to know about the Investment Plan.

NEWSLETTERS
Pension Plan
#13   FRS Bulletin Once or twice a year, the Division of Retirement distributes the FRS Bulletin to active members of the FRS Pension Plan to keep members informed of retirement legislation, benefit provisions, and other retirement-related news of interest.
Investment Plan
#14 Adobe PDF icon Investment Plan Quarterly Newsletter The latest issue of the Investment Plan Quarterly Newsletter includes a summary of investment performance organized by asset class, including money market, inflation-protected securities, bonds, U.S. stocks and foreign stocks, and balanced funds. The summary offers a description of each asset class as well as information such as fees and average annual returns.

Past Quarterly Newletters

MISCELLANEOUS
Pension Plan
#15 Adobe PDF icon In-State and Out-of-State Service Handout that explains the options available to you regarding the purchase of creditable service under the FRS Pension Plan and discusses the features, requirements, and cost of purchasing retirement credit for your in-state and out-of-state public service.
Investment Plan
#16 Adobe PDF icon How to Read Your Quarterly Investment Plan Statement A guide to help with reading the quarterly Investment Plan statements and understanding the information that they contain.
Pension Plan and Investment Plan
#17 Adobe PDF icon 2nd Election Flyer Explains what the 2nd Election is, the procedures for filing a 2nd Election, and lists available resources.
#18 Adobe PDF icon Self-Directed Brokerage Account Brochure Summary of the Self-Directed Brokerage Account.


PLANNING FOR RETIREMENT


Pension Plan
#19 Adobe PDF icon Ready. Set. Retire. Guide that provides information useful to you when you are preparing for retirement from the FRS Pension Plan. It describes the procedures and requirements to follow when you apply for retirement benefits as well as information about federal withholding taxes, direct deposit of monthly benefits, the health insurance subsidy, and reemployment after retirement.
#20 Adobe PDF icon What Retirement Option Should You Choose? Information to assist you in selecting your pension retirement option.
#21 Adobe PDF icon DROP Guide Guide that describes the FRS Deferred Retirement Option Program. It discusses potential advantages and disadvantages of participating in this program, explains program eligibility and participation requirements, answers commonly asked questions, and provides examples. It is recommended for FRS Pension Plan members nearing retirement age. (See the DROP Page on this website for more on this program.)
#22 Adobe PDF icon Pension Plan Retirement Checklist Retirement will be here before you know it. To ensure you are ready, be sure to follow this checklist to make sure you don't miss any critical retirement planning deadlines.
Investment Plan
#23 Adobe PDF icon Investment Plan Retirement Checklist Retirement will be here before you know it. To ensure you are ready, be sure to follow this checklist to make sure you don't miss any critical retirement planning deadlines.
#24 Adobe PDF icon Make Your Money Last a Lifetime Convert some or all of your Investment Plan balance to an annuity at retirement and create an income stream.
#25 Adobe PDF icon Think Twice Before Rolling Out of the Investment Plan Know the benefits you may be giving up if you roll your Investment Plan account over to another retirement plan.
Pension Plan and Investment Plan
#26 Adobe PDF icon FRS Disability Benefits FRS Disability Benefits is a document designed to inform Florida Retirement System members of the process and requirements of applying for disability retirement benefits.
#27 Adobe PDF icon Keep Your Retirement Plan on Track Information on using the online Financial Engines' ADVISOR SERVICE to create a picture of your current financial situation and keep your retirement plan on track.
#28 Adobe PDF icon Financial Planning for Life Financial planning solutions for members at various life stages.
#29 Adobe PDF icon Keys to Retirement Planning and Investing Regardless of which retirement plan you choose, here are some basic strategies for long-term investing and retirement planning that will help you prepare for the future.
#30 Adobe PDF icon Keep Your DROP in the FRS This flyer explains how you can roll over your DROP lump sum into the FRS Investment Plan and take advantage of the low cost investment products offered in the Investment Plan.
#31 Adobe PDF icon DROP Rollover Flyer Three months before your DROP end date, you will receive this flyer in your DROP termination kit provided by the Division of Retirement informing you of your ability to roll over your DROP lump sum into the FRS Investment Plan.
#32 Adobe PDF icon Guide to Choosing a Financial Planner Guide to assist you in selecting a financial planner.

RETIREES


BROCHURES
Pension Plan
#33 Adobe PDF icon Working After Retirement (Pension Plan) The rules that govern working after retiring from the Pension Plan can be complex. This flyer simplifies the reemployment rules and includes an easy-to-understand flowchart.
#34 Adobe PDF icon Pension Plan & DROP Reemployment Tables The termination, reemployment, and renewed membership requirements for Pension Plan Service retirees and Pension Plan DROP retirees.
Investment Plan
#35 Adobe PDF icon MyFRS Termination Kit - FRS Investment Plan Special Tax Notice and Distribution Options Includes information on the requirements for taking a distribution, distribution options, taxes, de minimis distributions, required minimum distributions, name and address changes, the Health Insurance Subsidy, reemployment after retirement, and a Special Tax Notice.
#36 Adobe PDF icon Special Tax Notice This notice explains the tax consequences of taking a distribution from the FRS Investment Plan.
#37 Adobe PDF icon Working After Retirement (Investment Plan) The rules that govern working after retiring from the Investment Plan can be complex. This flyer simplifies the reemployment rules and includes an easy-to-understand flowchart.
#38 Adobe PDF icon Investment Plan Reemployment Table The termination, reemployment, and renewed membership requirements for Investment Plan retirees.
University - SUSORP, Senior Management - SMSOAP, and College - SCCORP
#39 Adobe PDF icon SUSORP, SMSOAP, & SCCORP Reemployment Table The termination, reemployment, and renewed membership requirements for SUSORP, SMSOAP, & SCCORP retirees.

NEWSLETTERS
Pension Plan
#40 Adobe PDF icon FRS Retiree Newsletter The FRS Retiree Newsletter is distributed to retirees and other beneficiaries of the FRS Pension Plan once or twice a year to keep them informed of retirement legislation, benefit provisions, and other retirement-related news of interest.


SURVIVOR BENEFITS


Pension Plan
#41 Adobe PDF icon FRS Survivor Benefits "FRS Survivor Benefits" is a document designed to explain the benefits available to eligible joint annuitants and beneficiaries of deceased members.
Investment Plan
#42 Adobe PDF icon FRS Survivor Financial Counseling for Investment Plan Beneficiaries A guide to help Investment Plan beneficiaries understand the free and unbiased Survivor Financial Counseling services available from Ernst & Young. Note: This service is for Investment Plan beneficiaries only.


EMPLOYERS


Pension Plan
#43   FRS Pension Plan Employer Handbook The FRS Pension Plan Employer Handbook - a technical manual for FRS employers is now available online in Adobe Acrobat PDF format. Payroll staff and retirement coordinators for FRS employers are encouraged to access and print out chapters from this valuable resource by clicking on the link above. The Division will let you know when chapters are revised. We hope this will prove to be a useful tool to make your jobs easier.
#44   Information Releases Information from the Division of Retirement on policy or procedural changes that may affect FRS employers or their employees who are members of the FRS.
Investment Plan
#45 Adobe PDF icon FRS Investment Plan Employer Toolkit The FRS Employer Toolkit is a comprehensive source for information about policies and procedures, member eligibility and requirements, workshops, and resources concerning the two FRS retirement plans. The printed copy of the Toolkit includes a Resource CD with the New Hire Video, PowerPoint presentations employers can customize, Frequently Asked Questions, and links to files and information on MyFRS.com.
#46 Adobe PDF icon FRS Investment Plan Employer Manual The FRS Investment Plan Employer Manual is a technical guide for retirement coordinators, payroll staff, and others who have FRS responsibilities. It is intended to explain the administration of the retirement plan choice process and the FRS Investment Plan in nontechnical language.
#47 Adobe PDF icon FRS Employer Newsletter The latest issue of the FRS Employer Newsletter. Produced quarterly, this newsletter provides employers with quick updates and news employers need to know.

Past Quarterly Newsletters


PLAN INFORMATION


#48   Florida Retirement System Annual Reports Annual Reports of the Florida Retirement System.
#49   Florida Retirement System Contribution Rates The retirement and health insurance subsidy contributions in effect for the Florida Retirement System and retirement programs available under the system. (Links to contribution rates for prior years are also available.)
#50 Adobe PDF icon Florida Retirement System Participating Employers Your retirement coverage in the Florida Retirement System will continue when you change employment among these participating employers.
#51   Florida Retirement System Surveys Surveys of FRS Retirement Coordinators, active members, recent retirees, and other retirees to determine their satisfaction with the information and services provided by the Division of Retirement. (Links to surveys for prior years are also available.)
#52 Adobe PDF icon FRS Valuation Summary Disclosure information for Florida Retirement System employers, based upon requirements of GASB Statements 25 and 27 and including the results of the Actuarial Valuation of the FRS.


QDROs


Pension Plan
#53 Adobe PDF icon Instructions for Establishing a Pension Plan QDRO Information on obtaining a Qualified Domestic Relations Order (QDRO) under the FRS Pension Plan.
#54 Adobe PDF icon Model Judicial Orders for FRS Pension Plan QDROs : Generic Version (PDF)
Alternate Payee is Former Wife (PDF)
Alternate Payee is Former Husband (PDF)
Investment Plan
#55 Adobe PDF icon FRS Investment Plan QDRO Procedures Guide Information on obtaining a Qualified Domestic Relations Order (QDRO) under the FRS Investment Plan.
#56 Adobe PDF icon FRS Investment Plan QDRO Instructions and Model Language Guide Model language for a Qualified Domestic Relations Order (QDRO) under the FRS Investment Plan.


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