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Reemployment

Reemployment after Retirement - ORP
ORP retirees reemployed with a covered employer must adhere to the same limitations as explained below under reemployment applicable to FRS retirees during the first 12 months of retirement. If an SUSORP participant meets the definition of termination and takes a full distribution (i.e. rollover to an IRA), there is no benefit to suspend. The member can return to work as a renewed member. If the SUSORP participant elects to receive an annuity or periodic distributions, the payments are to be suspended for the remaining portion of the first year, unless the member holds an excepted position. If you retire from either the ORP or the FRS, you will not be permitted to re-enroll in the ORP if you were rehired prior to July 1, 2007. You will be enrolled in the appropriate class of the FRS and begin the required vesting period.
As a reminder, any participant receiving a distribution of employer contributions under the ORP is deemed to have retired under a state-administered plan, and will be subject to renewed membership upon reemployment, regardless of age. Renewed members hired prior to July 1, 2007 are not eligible to participate in the ORP. Renewed members hired on or after July 1, 2007, who are filling positions otherwise eligible for the SUS ORP are allowed to participate in the SUS ORP. Also, renewed members are not eligible for disability retirement benefits under the FRS nor may they participate in the DROP program. Therefore, it will be important that participants take this into account when they consider a withdrawal, rollover or other payment of employer-funded benefits under the SUSORP.

Reemployment after Retirement - ORP

ORP retirees reemployed with a covered employer must adhere to the same limitations as explained below under reemployment applicable to FRS retirees during the first 12 months of retirement. If an SUSORP participant meets the definition of termination and takes a full distribution (i.e. rollover to an IRA), there is no benefit to suspend. The member can return to work as a renewed member. If the SUSORP participant elects to receive an annuity or periodic distributions, the payments are to be suspended for the remaining portion of the first year, unless the member holds an excepted position. If you retire from either the ORP or the FRS, you will not be permitted to re-enroll in the ORP if you were rehired prior to July 1, 2007. You will be enrolled in the appropriate class of the FRS and begin the required vesting period.

As a reminder, any participant receiving a distribution of employer contributions under the ORP is deemed to have retired under a state-administered plan, and will be subject to renewed membership upon reemployment, regardless of age. Renewed members hired prior to July 1, 2007 are not eligible to participate in the ORP. Renewed members hired on or after July 1, 2007, who are filling positions otherwise eligible for the SUS ORP are allowed to participate in the SUS ORP. Also, renewed members are not eligible for disability retirement benefits under the FRS nor may they participate in the DROP program. Therefore, it will be important that participants take this into account when they consider a withdrawal, rollover or other payment of employer-funded benefits under the SUSORP.

Reemployment after Retirement - FRS Pension Plan
After retirement there are no FRS restrictions on reemployment with a private employer (although your Social Security benefits may be affected before age 65). If you become reemployed with the State University System, or any other State or local government agency that participates in the FRS (a "covered employer"), certain restrictions apply during the first 12 months of your retirement: If you return to work with a covered employer during the first month of your retirement, you will not be considered to have retired and your retirement will be voided. Therefore, you should ensure that you remain off the payroll of any covered employer for one calendar month immediately following your effective date of retirement. If you return to work for an FRS employer during the 2nd through 12th month of your retirement, you are not allowed to receive both a salary and retirement benefits; in other words, you must suspend your retirement benefits during these particular months of reemployment. There are certain exceptions to this provision. For example, if you are reemployed by a state university as an adjunct faculty member or under a phased retirement program, you are allowed to work up to 780 hours (equivalent to one academic semester or 19.5 weeks) during the 2nd through 12th months of retirement, while concurrently receiving retirement benefits. Benefits must still be forfeited for any employment with a covered employer beyond 780 hours during that first year of retirement. After you have been retired for one year, there are no retirement restrictions regarding working for a covered employer.

Reemployment after Retirement - FRS Pension Plan

After retirement there are no FRS restrictions on reemployment with a private employer (although your Social Security benefits may be affected before age 65). If you become reemployed with the State University System, or any other State or local government agency that participates in the FRS (a "covered employer"), certain restrictions apply during the first 12 months of your retirement: If you return to work with a covered employer during the first month of your retirement, you will not be considered to have retired and your retirement will be voided. Therefore, you should ensure that you remain off the payroll of any covered employer for one calendar month immediately following your effective date of retirement. If you return to work for an FRS employer during the 2nd through 12th month of your retirement, you are not allowed to receive both a salary and retirement benefits; in other words, you must suspend your retirement benefits during these particular months of reemployment. There are certain exceptions to this provision. For example, if you are reemployed by a state university as an adjunct faculty member or under a phased retirement program, you are allowed to work up to 780 hours (equivalent to one academic semester or 19.5 weeks) during the 2nd through 12th months of retirement, while concurrently receiving retirement benefits. Benefits must still be forfeited for any employment with a covered employer beyond 780 hours during that first year of retirement. After you have been retired for one year, there are no retirement restrictions regarding working for a covered employer.

^Note If your reemployment after formally retiring from either ORP or FRS is with a covered employer in a regularly established position, you will be reenrolled in the FRS and earn service credit toward a second-career FRS retirement benefit. You must re-satisfy the age and service requirements as provided under FRS for initial membership. If you retired from FRS, no creditable service that remained unclaimed at the time of your retirement may be claimed toward second career vesting or service credit under your renewed membership. However, if you retired from ORP, any FRS service credit you may have earned but never claimed nor included in any retirement benefit, may be included toward second career vesting and service credit under your renewed membership in the FRS.

Reemployment after Retirement - FRS Investment Plan
FRS retirees may be reemployed by a private employer or by any non-FRS public employer without affecting their retirement benefits. However, they may not be reemployed with an FRS-participating employer for the first 12 months after taking a distribution without suspending their retirement benefits, except under limited circumstances as described below. An Investment Plan member is considered retired upon terminating FRS-covered employment and taking a distribution from his/her account, so if an FRS Investment Plan member is reemployed with an FRS employer before taking a distribution of his/her benefits, he or she will not be considered to have retired.
If an Investment Plan retiree has met the normal retirement requirements of the FRS Pension Plan (see Retirement & DROP), he/she may return to work in certain excepted positions as described under s. 121.091(9)(b), F.S., during and through the 12th calendar month after retirement without being required to suspend benefits. Such retiree may return to this limited employment after being off all FRS-covered payrolls for at least one calendar month.
If an Investment Plan retiree has not met the normal retirement requirements of the FRS Pension Plan as described above, the retiree may not return to FRS-covered employment in an excepted position until he/she has been retired for three calendar months. After being retired for three calendar months, the retiree may return to employment in an excepted position ( see above) during the remaining nine calendar months after retirement without suspending his/her retirement benefits.
For more information about post-retirement reemployment under the FRS Investment Plan, you may call toll free to 866-446-9377 or go to the MyFRS Web site.

E-mail your SUSORP comments or questions to us. Please include your name, mailing address, e-mail address, the last four digits of your social security number (SSN), and your phone number if you require an answer from us.

Retirement

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