Dark Hollow Falls

FAQs

Based on your hire date, find your plan below and click the "Learn More" button to see your plan's FAQs.

Legacy

Hire Date: Before 7/01/2001

Learn More

ERFC Tier 1

Hire Date: 7/01/2001 to 6/30/2017

Learn More

ERFC Tier 2

Hire Date: 7/01/2017 to Present

Learn More

Legacy Plan FAQs 

(Hire Date: Before July 1, 2001)

Health Insurance in Retirement: What are my options and how much do they cost?

Information about FCPS health insurance benefits can be found on FCPS' Retiree Publications & Resources page. There you'll find these helpful resources: Retiree Benefits Briefings, Retiree Benefits Handbooks, Premium Charts, and more. If you have additional questions about eligibility and health insurance in retirement, please contact HR Benefits at HRConnection@fcps.edu or 571-423-3200 (Choose Option #3).

What is the timeline for the retirement process?

You should start the process about a year before your retirement date. Download and print ERFC's Legacy Retirement Checklist to help you stay on track.

1 Year Before

  • Gather the following documents for you and your survivor (if applicable):
    • Birth certificate, REAL ID, Virginia driver's license, government-issued identification card, or passport
    • Social Security card (Survivor Option Only)
    • Marriage certificate (Survivor Option Only)

6 Months Before

To formally start the retirement process, submit your FCPS Notification of Resignation or Retirement (HR-2 Form) to erfcretirement@fcps.edu. Make sure your "Last Work or Separation Day" is the last day of your final service month. we'll review it and share it with the FCPS HR Office of Talent Acquisition (OTA) for their awareness. You'll receive a follow-up email confirming receipt of your HR-2, be assigned an ERFC retirement specialist, and the retirement paperwork packet will be distributed to your ERFCDirect account. 

How is my benefit calculated?

Calculation-Legacy.png

For more information, please refer to the ERFC Legacy Plan Handbook.

How is unused sick leave and annual leave calculated into retirement?

Unused sick leave is converted to retirement credit at the time of retirement by the HR payroll office. This is added to your service total and included in your retirement calculation. The conversion is as follows:

Number of hours ÷ Contract days ÷ Work hours per day = Amount of service

If you're a 12-month employee, your annual leave is paid out to you at your hourly rate. There are some limits to how many hours you can get paid for. For details, check with Payroll payrollhelp@fcps.edu or review the annual leave regulation.

The hourly rate is subject to some limits in Regulation 4813.

Please Note:
Once your annual leave maximum is paid out, the leftover annual leave is moved to sick leave and then converted into additional service credit. If you retire from ERFC and transfer sick leave to another county, your ERFC pension will be negatively impacted. As such, you'll be contacted the month following your retirement to recoup the overpayment amount, and your future pension will be recalculated based on the new reported hours of unused sick leave.

When I can retire?

You're eligible for full retirement (unreduced benefit) at age 55 with 25 years OR at age 65 with 5 years. You can also retire with a reduced benefit at age 45 with 25 years OR at age 55 with 5 years.

Sometimes you don't fall into each category perfectly. For example, you're still eligible for full retirement if you're age 60 and have 25 years. And you'd be eligible for a reduced benefit if you're 57 and have 10 years.

You can also log in to your ERFCDirect account and click "Create Your Own Estimate" on the left menu. From there you’ll be able to see what your full service (unreduced) retirement or reduced service retirement dates are.

Legacy Unreduced Retirement Age Graphic
Legacy Reduced Retirement Age Graphic

How much money can I expect to receive per month in retirement?

To calculate your monthly benefit with ERFC, log in to ERFCDirect and click "Create Your Own Estimate" on the left menu. If you need help, watch How to Run Your Own ERFC Retirement Estimate

Not sure how to understand your ERFC estimate? Watch this video explaining the Legacy plan estimate.

What are my payment options?

You can choose between payment to only you, or select a survivor to receive a pension benefit upon your death. You will find a detailed explanation of ERFC payment options in the ERFC Legacy Plan Brochure

You can also watch the ERFC Legacy Plan Online Retirement Information Session available 24/7 on MyPDE. 

Can you explain the relationship between ERFC and VRS?

VRS is the Virginia Retirement System and it's your primary pension. ERFC is an additional pension through Fairfax County Public Schools. It's intended to supplement the retirement benefits you'll receive from VRS and Social Security. In retirement, you'll receive two pension payments: one from VRS and the other from ERFC. 

Can I borrow funds from my contributions to ERFC?

No. ERFC members are not allowed to borrow funds from their member contributions. 

What happens to my ERFC contributions if I leave FCPS?

If you leave an ERFC-covered position with FCPS, you have two options when it comes to your ERFC accumulated contributions. 

1.  Leave your accumulated ERFC contributions on deposit.

Vested members (5 or more years of service). You can leave your funds with ERFC and become a deferred vested member. Your funds will continue to accrue interest until you’re eligible to retire. If you return to an ERFC-covered position at FCPS before you retire, you’ll return to active member status and resume contributing and earning service years under your current plan.

Unvested members (less than 5 years of service). You can leave your funds with ERFC, but they’ll stop earning interest after 10 years. At that time, if you aren't returning to FCPS, you'll want to consider refunding or rolling over your funds. If you leave your funds with ERFC and return to an ERFC-covered position at FCPS before you retire, you’ll resume contributing and earning service years under your current plan.

2. Refund or roll over your accumulated ERFC contributions (plus interest).

Please Note: If you take a direct refund of the amount, meaning you’d get a physical check in the mail, ERFC will withhold 20% federal and 4% Virginia state tax (for Virginia residents). If you refund or roll over your funds, your ERFC credited service will be canceled and, if you were vested, you'll no longer be eligible for a monthly ERFC benefit when you retire.

It's your responsibility to initiate a refund or rollover. To do so, log in to your ERFCDirect account the month after your last day of work. Under “Forms,” select Election to Request Refund or Rollover of Contributions (ERFC 21A). After you’ve completed the form, mail it to our office or request a secure email to electronically submit it. Once we approve your ERFC 21A, we’ll process your request within 60-90 days.

Impact of a Refund or Rollover

If you have 5 or more years of service in your ERFC plan and you refund or roll over your ERFC contributions, you forfeit your rights to a lifetime monthly benefit beginning at your retirement age. Please also note that if you withdraw your contributions and you're later hired into an ERFC-covered position, you’ll be unable to return to coverage under the ERFC Legacy benefit structure and will be automatically enrolled in the ERFC 2001 Tier 2 plan.

Can I meet with a retirement specialist?

You're not required to meet with a retirement specialist in order to retire. It's completely up to you. ERFC offers the following virtual or in-person appointments:

  • Question Session
    • At any stage in your career prior to initiating the retirement process, you can request a 30-minute meeting with a retirement specialist to discuss any questions you have.
  • Paperwork Session
    • Once you initiate the retirement process, you can request a meeting to get help filling out your paperwork.

To schedule an appointment, call ERFC at 703-426-3900, Monday through Friday between 8 a.m. and 4:30 p.m.

2001 Tier 1 Plan FAQs

(Hire Date: July 1, 2001 to June 30, 2017) 

Health Insurance in Retirement: What are my options and how much do they cost?

Information about FCPS health insurance benefits can be found on FCPS' Retiree Publications & Resources page. There you'll find these helpful resources: Retiree Benefits Briefings, Retiree Benefits Handbooks, Premium Charts, and more. If you have additional questions about eligibility and health insurance in retirement, please contact HR Benefits at HRConnection@fcps.edu or 571-423-3200 (Choose Option #3).

When I can retire?

You're eligible to retire at any age with 30 years of service or at age 60 or older with five or more years. 

2001 Plan Tier-1 Retirement Age Graphic

What is the timeline for the retirement process?

You should start the process about a year before your retirement date. Download and print ERFC's Tier 1 Retirement Checklist to help you stay on track.

1 Year Before

  • Gather the following documents for you and your survivor (if applicable):
    • Birth certificate, REAL ID, Virginia driver's license, government-issued identification card, or passport
    • Social Security card (Survivor Option Only)
    • Marriage certificate (Survivor Option Only)

6 Months Before

To formally start the retirement process, submit your FCPS Notification of Resignation or Retirement (HR-2 Form) to erfcretirement@fcps.edu. Make sure your "Last Work or Separation Day" is the last day of your final service month. we'll review it and share it with the FCPS HR Office of Talent Acquisition (OTA) for their awareness. You'll receive a follow-up email confirming receipt of your HR-2, be assigned an ERFC retirement specialist, and the retirement paperwork packet will be distributed to your ERFCDirect account. 

How do retirement benefits work?

ERFC is a lifetime benefit. Your retirement benefits will be paid monthly to you starting from the month of your retirement until your death.

To learn more, watch the ERFC 2001 Tier 1 Information Session available 24/7 on MyPDE.

How much money can I expect to receive per month in retirement?

To calculate your monthly benefit with ERFC, log in to ERFCDirect and click “Create Your Own Estimate'' on the left menu.

If you need help, watch How to Run Your Own ERFC Retirement Estimate

Not sure how to understand your ERFC estimate? Watch Explaining the 2001 Plan Estimate.

What are my payment options?

You can choose between payment to only you, or select a survivor to receive a pension benefit upon your death. You will find a detailed explanation of ERFC payment options in the ERFC Tier 1 Plan Brochure

You can also watch the ERFC 2001 Tier 1 Information Session available 24/7 on MyPDE.

Can you explain the relationship between ERFC and VRS?

VRS is the Virginia Retirement System and it's your primary pension. ERFC is an additional pension through Fairfax County Public Schools. It's intended to supplement the retirement benefits you'll receive from VRS and Social Security. In retirement, you'll receive two pension payments: one from VRS and the other from ERFC.

How is my benefit calculated?

Calculation-Tier1.png

For more information, please refer to the ERFC 2001 Plan Handbook.

Can I borrow funds from my contributions to ERFC?

No. ERFC members are not allowed to borrow funds from their member contributions. 

What happens to my ERFC contributions if I leave FCPS?

If you leave an ERFC-covered position with FCPS, you have two options when it comes to your ERFC accumulated contributions. 

1.  Leave your accumulated ERFC contributions on deposit.

Vested members (5 or more years of service). You can leave your funds with ERFC and become a deferred vested member. Your funds will continue to accrue interest until you’re eligible to retire. If you return to an ERFC-covered position at FCPS before you retire, you’ll return to active member status and resume contributing and earning service years under your current plan.

Unvested members (less than 5 years of service). You can leave your funds with ERFC, but they’ll stop earning interest after 10 years. At that time, if you aren't returning to FCPS, you'll want to consider refunding or rolling over your funds. If you leave your funds with ERFC and return to an ERFC-covered position at FCPS before you retire, you’ll resume contributing and earning service years under your current plan.

2. Refund or roll over your accumulated ERFC contributions (plus interest).

Please Note: If you take a direct refund of the amount, meaning you’d get a physical check in the mail, ERFC will withhold 20% federal and 4% Virginia state tax (for Virginia residents). If you refund or roll over your funds, your ERFC credited service will be canceled and, if you were vested, you'll no longer be eligible for a monthly ERFC benefit when you retire.

It's your responsibility to initiate a refund or rollover. To do so, log in to your ERFCDirect account the month after your last day of work. Under “Forms,” select Election to Request Refund or Rollover of Contributions (ERFC 21A). After you’ve completed the form, mail it to our office or request a secure email to electronically submit it. Once we approve your ERFC 21A, we’ll process your request within 60-90 days.

Impact of a Refund or Rollover

If you have 5 or more years of service in your ERFC plan and you refund or roll over your ERFC contributions, you forfeit your rights to a lifetime monthly benefit beginning at your retirement age. Please also note that if you’re rehired into an ERFC-covered position within five years of your FCPS termination, you can redeposit your accumulated contributions with interest within 90 days after you’re rehired. This will restore your previous service credit. However, you’ll be enrolled as a new employee under the ERFC 2001 Tier 2 plan benefit structure, and your previous service will accrue to that plan. It is your responsibility to notify ERFC if you want to redeposit your accumulated contributions if you're rehired.

Can I meet with a retirement specialist?

You're not required to meet with a retirement specialist in order to retire. It's completely up to you. ERFC offers the following virtual or in-person appointments:

  • Question Session
    • At any stage in your career prior to initiating the retirement process, you can request a 30-minute meeting with a retirement specialist to discuss any questions you have.
  • Paperwork Session
    • Once you initiate the retirement process, you can request a meeting to get help filling out your paperwork. 

To schedule an appointment, call ERFC at 703-426-3900, Monday through Friday between 8 a.m. and 4:30 p.m.

ERFC 2001 Tier 2 Plan FAQs

(Hire Date: July 1, 2017 to Present)

How does the ERFC retirement plan work?

The ERFC 2001 Tier 2 plan is a pension offered to FCPS employees hired on or after July 1, 2017. A pension is a lifetime benefit. Unlike 403(b) or 457(b) plans that end when the money you contributed runs out, ERFC gives you monthly payments from the month you retire until your death.

To learn more, watch the ERFC 2001 Tier 2 Information Session available 24/7 on MyPDE.

Can you explain the relationship between ERFC and VRS?

VRS is the Virginia Retirement System and it's your primary pension. ERFC is an additional pension through Fairfax County Public Schools. It's intended to supplement the retirement benefits you'll receive from VRS and Social Security. In retirement, you'll receive two pension payments: one from VRS and the other from ERFC.

When can I retire? 

You're eligible to retire when your age plus your years of service equal 90 or when you reach full Social Security age and have 5 or more years of service.

Rule of 90 example: Age 60 with 30 years of service. 

Check the Social Security Benefits by year of birth.

What is the timeline for the retirement process?

You should start the process about a year before your retirement date. Download and print ERFC's Tier 2 Retirement Checklist to help you stay on track.

1 Year Before

  • Gather the following documents for you and your survivor (if applicable):
    • Birth certificate, REAL ID, Virginia driver's license, government-issued identification card, or passport
    • Social Security card (Survivor Option Only)
    • Marriage certificate (Survivor Option Only)

6 Months Before

To formally start the retirement process, submit your FCPS Notification of Resignation or Retirement (HR-2 Form) to erfcretirement@fcps.edu. Make sure your "Last Work or Separation Day" is the last day of your final service month. we'll review it and share it with the FCPS HR Office of Talent Acquisition (OTA) for their awareness. You'll receive a follow-up email confirming receipt of your HR-2, be assigned an ERFC retirement specialist, and the retirement paperwork packet will be distributed to your ERFCDirect account. 

Health Insurance in Retirement: What are my options and how much do they cost? 

Information about FCPS health insurance benefits can be found on FCPS' Retiree Publications & Resources page. There you'll find these helpful resources: Retiree Benefits Briefings, Retiree Benefits Handbooks, Premium Charts, and more. If you have additional questions about eligibility and health insurance in retirement, please contact HR Benefits at HRConnection@fcps.edu or 571-423-3200 (Choose Option #3).

How much money can I expect to receive per month in retirement?

To calculate your monthly benefit with ERFC, log in to ERFCDirect and click “Create Your Own Estimate'' on the left menu.

If you need help, watch How to Run Your Own ERFC Retirement Estimate.

Not sure how to understand your ERFC estimate? Watch Explaining the 2001 Plan Estimate.

What are my payment options?

You can choose between payment to only you, or select a survivor to receive a pension benefit upon your death. You will find a detailed explanation of ERFC payment options in the ERFC Tier 2 Plan Brochure

You can also watch the ERFC 2001 Tier 2 Information Session available 24/7 on MyPDE.

How much money can I put in my retirement fund each month in order to maximize my benefits? 

The amount you contribute to your ERFC 2001 Tier 2 plan is determined by the FCPS School Board. Your contribution is currently set at 3%. This amount cannot be increased or decreased and is a mandatory contribution. FCPS puts in 6.48%.

VRS will be your larger pension. You might be a member of the VRS Hybrid plan. As a member of the VRS Hybrid plan, it's important to contribute as much of your own additional funds as you can to gain the maximum matching funds from FCPS. Be sure to visit the VRS Hybrid plan page to learn more. If you are in the VRS Hybrid plan, once you've maxed out your own contributions, you might consider contributing to the FCPS 403(b) and 457(b) plans.

How is my benefit calculated?

Calculation-Tier2.png
Calculation-Tier2.png

For more information, please refer to the ERFC 2001 Plan Handbook.

Can I borrow funds from my contributions to ERFC?

No. ERFC members are not allowed to borrow funds from their member contributions. 

What happens to my ERFC contributions if I leave FCPS?

If you leave an ERFC-covered position with FCPS, you have two options when it comes to your ERFC accumulated contributions. 

1.  Leave your accumulated ERFC contributions on deposit.

Vested members (5 or more years of service). You can leave your funds with ERFC and become a deferred vested member. Your funds will continue to accrue interest until you’re eligible to retire. If you return to an ERFC-covered position at FCPS before you retire, you’ll return to active member status and resume contributing and earning service years under your current plan.

Unvested members (less than 5 years of service). You can leave your funds with ERFC, but they’ll stop earning interest after 10 years. At that time, if you aren't returning to FCPS, you'll want to consider refunding or rolling over your funds. If you leave your funds with ERFC and return to an ERFC-covered position at FCPS before you retire, you’ll resume contributing and earning service years under your current plan.

2. Refund or roll over your accumulated ERFC contributions (plus interest).

Please Note: If you take a direct refund of the amount, meaning you’d get a physical check in the mail, ERFC will withhold 20% federal and 4% Virginia state tax (for Virginia residents). If you refund or roll over your funds, your ERFC credited service will be canceled and, if you were vested, you'll no longer be eligible for a monthly ERFC benefit when you retire.

It's your responsibility to initiate a refund or rollover. To do so, log in to your ERFCDirect account the month after your last day of work. Under “Forms,” select Election to Request Refund or Rollover of Contributions (ERFC 21A). After you’ve completed the form, mail it to our office or request a secure email to electronically submit it. Once we approve your ERFC 21A, we’ll process your request within 60-90 days.

Impact of a Refund or Rollover

If you have 5 or more years of service in your ERFC plan and you refund or roll over your ERFC contributions, you forfeit your rights to a lifetime monthly benefit beginning at your retirement age. Please also note that if you withdraw your contributions and you're later hired into an ERFC-covered position, you'll be enrolled as a new employee under the ERFC 2001 Tier 2 plan.

Can I meet with a retirement specialist?

You're not required to meet with a retirement specialist in order to retire. It's completely up to you. ERFC offers the following virtual or in-person appointments:

  • Question Session
    • At any stage in your career prior to initiating the retirement process, you can request a 30-minute meeting with a retirement specialist to discuss any questions you have.
  • Paperwork Session
    • Once you initiate the retirement process, you can request a meeting to get help filling out your paperwork. 

To schedule an appointment, call ERFC at 703-426-3900, Monday through Friday between 8 a.m. and 4:30 p.m.

Don't See Your Question Here?

Call us at 703-426-3900, M-F between 8 a.m. and 4:30 p.m., or email us at erfcretirement@fcps.edu and we'll be happy to help.