Howard County maintains two defined benefit retirement plans for their employees:  one for the general employees including correctional officers, and the other for police officers and firefighters.  The retirement department is committed to enhancing the understanding of the plan benefits while providing quality service to our members as they move to and through retirement.

Special State of Emergency Coronavirus (COVID-19) Update 

Howard County's Office of Human Resources and the Retirement Team are taking precautions to ensure the health and safety of the participants we serve and our employees.  At this time, in-person appointments with a retirement team representative have been suspended until further notice. For employees looking to retire within the next two months please contact one of our team members to make the necessary arrangements.

Pension – monthly benefit payments

Be assured that there has been no impact to your monthly ongoing pension benefit payment. However, if you receive payment by check and have concerns about receiving mail or your ability to get to a bank, consider setting up direct deposit to have your monthly payment deposited into your bank account. 

We are still available to assist you with all your retirement needs. Please reach out to us by using  the contact information below.

Contact Scott Southern - Retirement Coordinator by phone at , or Email
Contact Karen Gerald- Assistant Retirement Coordinator by phone at , or Email

Forms For Retirees


Change of Address

Direct Deposit

Federal Tax Withholding

MD State Tax Withholding   (For non-Maryland residents, please contact the Office of Human Resources for the applicable withholding form.)

Return forms via US Mail to:

Howard County Office of Human Resources, Attn:  Retirement Coordinator, 3430 Court House Dr., Ellicott City MD  21043

Retirees receiving benefits from the Maryland State Retirement Agency should follow this link for forms:




Retirees of the Howard County Retirement Plan and The Howard County Police and Fire Employees' Plan can manage their information online by going to 

  • Update primary address
  • View up to 24 months of payment history
  • Update direct deposit and tax withholding elections
  • View copies of the previous 5 years' Form 1099-R
  • Elect to go paperless

If you need help logging into mypenpay, call system support at (866) 471-0368.


Direct deposits occur on the first business day of each month:

Check Date                Deposit Date

January 1, 2021          Monday, January 4th

February 1, 2021        Monday, February 1st

March 1, 2021             Monday, March 1st

April 1, 2021                Thursday, April 1st

May 1, 2021                Monday, May 3rd

June 1, 2021               Tuesday, June 1st

July 1, 2021                Thursday, July 1st

August 1, 2021            Monday, August 2nd

September 1, 2021     Wednesday, September 1st

October 1, 2021          Friday, October 1st

November 1, 2021      Monday, November 1st

December 1, 2021      Wednesday, December 1st

Retiree COLA

Every July 1, a Cost-of-Living Adjustment (COLA) is added to the monthly benefit of each retiree and beneficiary who has been in pay status for 12 months or more.

The Cost-of-Living increase awarded on July 1, 2021 will be 1.0790% for eligible retirees. It is important to note that the increase will be applied to your gross monthly retirement benefit, before any tax withholding or health insurance premium payments.

The COLA is based on the percentage change in the Consumer Price Index (CPI-U) for the Baltimore-Columbia-Towson area, from February of the current year to February of the preceding year, as published by the Bureau of Labor Statistics. Details of the COLA calculation are set forth in Section 1.435 and 1.435A of the Howard County Code.


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