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.

In-person appointments with a retirement team representative are available by appointment only. For employees looking to retire within the next two months please contact one of our team members to make the necessary arrangements.


Retirement Coordinator 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, 2024           Tuesday, January 2nd

February 1, 2024         Thursday, February 1st

March 1, 2024              Friday, March 1st

April 1, 2024                Monday, April 1st

May 1, 2024                 Wednesday, May 1st

June 1, 2024                 Monday, June 3rd

July 1, 2024                  Monday, July 1st

August 1, 2024            Thursday, August 1st

September 1, 2024      Tuesday, September 3rd

October 1, 2024           Tuesday, October 1st

November 1, 2024       Friday, November 1st

December 1, 2024       Monday, December 2nd

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 July 1, 2024 Cost-of-Living increase is 2% for qualified payees of the Howard County Police and Fire Employees Retirement Plan and 2.6061% for qualified payees of the Howard County Retirement Plan. 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. The percentage change in 2024 is 2.6061%. Details of the COLA calculation are set forth in Section 1.435 and 1.435(A) of the Howard County Code.

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