Florida Retirement System

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NEW HIRES

1 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 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 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 Plan Comparison Quick Guide A snapshot of the two retirement plans and the differences between them.
5 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 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 Investment Fund Summary — Quick Guide A quick-guide summary of each of the investment funds offered under the FRS Investment Plan.
8 Notice of Scope of Financial Services Summary of financial services provided by Financial Engines and Ernst & Young.
9 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
10 FRS Pension Plan Summary Plan Description Important information members need to know about the Pension Plan.
11 Pension Plan Member Handbook Guide that explains the benefits and policies of the Pension Plan.
Investment Plan
12 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 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 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 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 2nd Election Flyer Explains what the 2nd Election is, the procedures for filing a 2nd Election, and lists available resources.
18 Self-Directed Brokerage Account Brochure Summary of the Self-Directed Brokerage Account.

 

PLANNING FOR RETIREMENT

Pension Plan
19 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 What Retirement Option Should You Choose? Information to assist you in selecting your pension retirement option.
21 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 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 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 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 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 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 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 Financial Planning for Life Financial planning solutions for members at various life stages.
29 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 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 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 Guide to Choosing a Financial Planner Guide to assist you in selecting a financial planner.

 

RETIREES

BROCHURES
Pension Plan
33 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 Pension Plan Reemployment Table The termination, reemployment, and renewed membership requirements for Pension Plan Service retirees.
Investment Plan
35 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 Special Tax Notice This notice explains the tax consequences of taking a distribution from the FRS Investment Plan.
37 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 Investment Plan Reemployment Table The termination, reemployment, and renewed membership requirements for Investment Plan retirees.
DROP
39 DROP Reemployment Table The termination, reemployment, and renewed membership requirements for Pension Plan DROP retirees.
University - SUSORP, Senior Management - SMSOAP, and College - SCCORP
40 SUSORP, SMSOAP, & SCCSORP Reemployment Table The termination, reemployment, and renewed membership requirements for SUSORP, SMSOAP, & SCCSORP retirees.
NEWSLETTERS
Pension Plan
41 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
42 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
43 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
44 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.
Investment Plan
45 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
46 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.
47 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.
48 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.

 

PLAN INFORMATION

49 Florida Retirement System Annual Reports Annual Reports of the Florida Retirement System.
50 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.)
51 Florida Retirement System Participating Employers Your retirement coverage in the Florida Retirement System will continue when you change employment among these participating employers.
52 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.)
53 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
54 Establishing an FRS Pension Plan QDRO Information on obtaining a Qualified Domestic Relations Order (QDRO) under the FRS Pension Plan.
Investment Plan
56 FRS Investment Plan QDRO Procedures Guide Information on obtaining a Qualified Domestic Relations Order (QDRO) under the FRS Investment Plan.
57 FRS Investment Plan QDRO Instructions and Model Language Guide Model language for a Qualified Domestic Relations Order (QDRO) under the FRS Investment Plan.