Retirement On-Line Login Instructions

Instructions to access your personal information and obtain retirement estimates

• Access web site at www.frs.state.fl.us
• On main page, click on ON-LINE SERVICES
• Next page click on LOGIN
• Next page enter USERNAME (social security number)
• Enter password. If you have never accessed the site before- the password is your month and year of birth (MMYYYY), then once you enter, a screen will come up for you to change your password.
• Once you are in the secured site, you can:
  • Verify years of service/salaries reported
  • Calculate benefit estimates
  • Get DROP information
  • Get retiree information
  • Get forms

Retirement Plan Enrollment FAQ

What plan am I eligible to participate in?

USPS employees are eligible to participate in the Florida Retirement System's Pension (FRS) or Investment Plan (Public Employees Optional Retirement Plan- PEORP). A&P and Faculty are eligible to participate in the FRS, PEORP, or the Optional Retirement Program (ORP).

What are the vesting requirements in each plan?

• Optional Retirement Plan (ORP) – vesting is immediate once enrolled.
• Public Employee’s Optional Retirement Plan (PEORP) – vesting is one year
• Florida Retirement System Pension Plan (FRS) – vesting is six years.

What is the enrollment period for ORP?

If you are eligible for the ORP (A&P or Faculty), you have 90 days from your hire date to enroll in this plan and initiate a contract with a provider company. Once you are past the 90 day enrollment period, you are no longer eligible to enroll in this plan.

What is the enrollment period for the PEORP (also referred to as the FRS Investment Plan)?

You have until the end of your 5th month after your hire date to sign up for the PEORP. Once you are past this enrollment period and do not sign up for the PEORP, you will be automatically enrolled in the FRS pension plan.

What is the enrollment period for the FRS Pension Plan?

If you do not choose the ORP (if eligible) or the PEORP, then you are automatically enrolled in the FRS.

What if I sign up for the PEORP and decide later I want to sign up for FRS? Or sign up for the FRS and then later want to sign up for PEORP?

You have a one-time option to switch plans after your initial enrollment period. Once you use your 2nd election to switch plans, the new plan will be your new retirement plan, and it cannot be changed again. The FRS plan administrator would calculate a value of your pension plan and transfer that amount into the PEORP account for you. Most employees that make the change will get an estimate of the value of their pension plan before deciding. An estimate can be obtained by calling the MyFRS Financial Guidance Line at 1-866-446-9377 from 9 a.m. to 8 p.m. ET, Monday – Friday. You can also access your information on-line at MyFRS.com.

If I sign up for the PEORP and later in my career I get a position that is ORP eligible, can I change to the ORP plan?

Once you are in the PEORP plan you cannot change to the ORP plan unless you use your 2nd election to change back to the pension plan and then elect the ORP plan within 90 days of your new position hire date. You would be “buying” your way back into the pension plan, so depending on the cost and how your PEORP plan is doing, you may or may not be charged a fee for this change. This can be a very serious decision and would need to be coordinated through your UNF Retirement Representative which would in turn coordinate with the Division of Retirement.

What amount is contributed into the ORP?

For fiscal year 2006-2007, the employer contributes 10.42% of your bi-weekly salary into your ORP plan. You can also elect to contribute any amount up to 10.42% of your bi-weekly salary. The employee election amounts can be changed at any time. The contributions are sent to your provider company on a bi-weekly basis.

What amount is contributed into the PEORP?

For fiscal year 2006-2007, the employer contributes 9% of your bi-weekly salary into your FRS Investment account for regular class employees and 20% for Special Risk employees (UNF Police Officers). Employee contributions are not allowed. The contributions are sent to the FRS Plan Administrator to be deposited into your account on a monthly basis.

What amount is contributed into the FRS?

For fiscal year 2006-2007 the employer contributes 7.83% of your bi-weekly salary into the FRS Trust Fund for Regular Class employees and 18.53% for Special Risk employees (UNF Police Officers). The amount that is contributed by the employer is based on the financial status of the FRS Trust Fund. Regardless of the amount the employer contributes under this plan, your retirement benefit is based on a formula: Years of Service X 1.60% X Average of 5 highest years of Salary = yearly benefit. (The 1.60% is for 30 years of service or less or age 62; 1.63% for 31 years of service or age 63; 1.65% is for 32 years of service or age 64; and 1.68% is for 33 years of service or age 65).

What are the differences in the plans?

You have many sources to use to help you make a decision in what plan to choose. You can refer to the Plan Comparison chart, or you can access information on the Division of Retirement’s web site at www.frs.state.fl.us or also on the MyFRS website at www.MyFRS.com. The retirement manager also schedules appointments to discuss your options individually. You can call your UNF Retirement Representative to schedule an appointment.

Re-Employment After Retirement

After you retire under the normal or early retirement provisions of the Florida Retirement System (FRS) Pension Plan, you may work for a private employer, a Florida public employer not covered by the Florida Retirement System, or a public employer in another state or covered by another state's retirement system without affecting your retirement benefit.

The limitations on reemployment with participating FRS employers are as follows:

• If you return to work during the first calendar month of your retirement you will not be considered to have retired. Your retirement application will be void and all retirement benefits, including any funds accumulated during your Deferred Retirement Option Program (DROP) participation, must be repaid.


• You may not receive both a salary and retirement benefits for 12 months after your effective retirement date. If you do work during the 2nd through 12th months after your effective retirement date, you must inform the Division of Retirement. Your retirement benefits will be suspended for the months you are employed during the 12-month period. Any retirement benefits received while working during the first 12 months after you retire must be repaid.


• If you are a Deferred Retirement Option Program (DROP) participant, you are subject to the reemployment limitations as soon as your participation ends.


• There are no limits on working for a Florida Retirement System employer after you have been retired for 12 calendar months.


• If you retire under the Florida Retirement System disability provisions, you cannot be gainfully employed with any employer and continue to receive disability benefits.

There are exceptions to the law restricting reemployment during the first 12 calendar months after your effective retirement date or your DROP termination date.

Exceptions to the restrictions on post-retirement employment that affects the University of North Florida:

• Up to 780 hours of employment is allowed from the 2nd through the 12th month after retirement for retirees reemployed by UNF as adjunct faculty or as participants in the Phased Retirement Program.

Retiree Insurance

Important Contacts:

• UNF Contact: (904) 620-1134


• Division of Retirement Retired Payroll: (888) 377-7687


• PeopleFirst: (866) 663-4735, option #4

Leave Payouts

Annual Leave:

Employees are cashed out all accumulated annual leave up to their maximum. (USPS=240 Hrs) (A&P and Faculty = 352). Note: DROP participants are only eligible for the difference between their maximum and the hours they were cashed out at the time they entered DROP.

Sick Leave:

Employees who have 10 years of verified UNF service are eligible to be cashed out up to one-fourth of their accumulated sick leave hours not to exceed 480 hours.
Note: Employees may rollover their annual or sick leave into an existing 403(b) Tax Sheltered Annuity offered by UNF or 457(b) State Deferred Compensation Account to avoid certain taxes. However, the rollover amount will be subject to Social Security and Medicare taxes, as well as Federal Taxes on the Social Security and Medicare deduction. Please note, employees should check with their company representative to ensure they don’t exceed Federal limits.

Retiree UNF Perks

Employees retired from the University shall be eligible, upon request, and on the same basis as other employees, to receive the following benefits at the University.

• Retired employee identification card,
• Use of the University library,
• Placement on designated University mailing lists,
• Right to purchase a University parking decal,
• Use of University recreational facilities (different fees may be charged to retirees than are charged to other employees for the use of such facilities),
• The right to enroll in courses without payment of fees, on a space available basis,
• University e-mail forwarding services. View the Guidelines for Email Forwarding for Retirees and Faculty Emeritus.

In-unit faculty members and police officers should refer to their respective bargaining agreements for any and all University perks offered to them.

Second Election

Please click here to view the Second Election packet.