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Retirement
Welcome to the Retirement Resource Page!
New Hire Resources
Welcome to the School District of Osceola County!
When you begin working and receiving a salary, your employment will be reported to the Florida Retirement System (FRS) to initiate your retirement account. You will notice a mandatory 3% retirement contribution deducted from your first paycheck. Once reported to the FRS, you can choose between the Pension Plan and the Investment Plan. You have 8 months to make your selection, so it's important to research and choose the plan that best suits your needs. If you haven't made a selection by the end of the 8-month period, you will automatically be enrolled in the Investment Plan.
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The Florida Retirement System (FRS) would like to officially welcome you to the family and give you some insight on what will occur within your plan choice period. Below you will find the link to the FRS welcome video.
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This retirement plan choice education workshop is designed for new employees who want to learn about the FRS Retirement Plans.
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The New Hire Plan Choice Flyer
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The New Hire Plan Comparison guide will you understand the differences between the Investment and the Pension plan.
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MyFRS Financial Guidance Line
Speak with an unbaised financial planner who can answer your questions and help you choose your FRS plan. This service is provided to you for free as an FRS member.
1-866-446-9377, Menu Option 1
8:00 a.m. to 6:00 p.m.
Monday through Friday
Retirement Resources Quick Links
- 2nd Election Flyer
- BENCOR Leaflet
- BENCOR Website
- Contribution Rates 2024 - 2025
- District Retiree Insurance Rates 2024-2025
- District Retiree Insurance Benefit Guide
- FRS Pension Plan Website
- FRS Pension Plan Newsletters
- FRS Pension Plan Log-in Instructions
- FRS Investment Plan Website
- FRS Investment Plan Newsletters
- FRS Resources Website (Pension & Investment)
- Guide to FRS Resources (contact information) English
- Guide to FRS Resources (contact information) Spanish
- Medicare Website
- My Paycheck Does Not Match My Investment Plan Statements
- Social Security Website
- Terminal Sick Leave Pay SBR 6.912
- Vacation Leave Pay SBR 6.916
Contact Us
Retirement Division
Location: 799 Bill Beck Boulevard, Building 3, Kissimmee, FL 34744-4492
Phone: (407) 870-4800
Fax: (407) 870-4663
Hours: 8:00 a.m. – 4:30 p.m.
Monday – Friday
Retirement Email: Retirement@Osceolaschools.net
Shannon Johnson - District Retirement Specialist
Karina Ramos-Torres - Senior Records Clerk
Things to Know About Reemployment After FRS Retirement
FRS Retirement Handbooks
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A guide that describes the DROP program, advantages and disadvantages of participating in the program.
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A guide that provides information useful to you when you prepare to retire in the Pension Plan
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A guide to help navigate the process and requirements of applying for disability retirement benefits.
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Investment Plan Members Guide to requirements for taking a distribution, taxes, RMD's and much more.
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Guía para Miembros del Plan de Inversión sobre los requisitos para tomar una distribución, impuestos, RMD's y mucho más.
Upcoming FRS Webinars
| Date | Time | Title of Course | Registration Link |
|---|---|---|---|
| 09/11/2025 | 10:00 AM | New Employee Retirement Plan Choice | ** Click Here to Register ** |
| 09/11/2025 | 5:30 PM | New Employee Retirement Plan Choice | ** Click Here to Register ** |
| 09/17/2025 | 5:30 PM | Using the FRS to Plan for Your Retirement | ** Click Here to Register ** |
| 10/02/2025 | 5:30 PM | Nearing Retirement in the FRS | ** Click Here to Register ** |
| 11/12/2025 | 5:30 PM | Taking Control of Your Finances – 90 Minute | ** Click Here to Register ** |
| 12/09/2025 | 4:30 PM | Social Security and Your Retirement | ** Click Here to Register ** |
| 12/09/2025 | 6:00 PM | Pension Plan Presentation | ** Click Here to Register ** |
| 01/27/2026 | 10:00 AM | Income Tax Planning: Smart Planning for Your Taxes | Coming Soon! |
| 01/27/2026 | 5:30 PM | Income Tax Planning: Smart Planning for Your Taxes | Coming Soon! |
| 03/05/2026 | 10:00 AM | Understanding the FRS Investment Plan | ** Click Here to Register ** |
| 03/05/2026 | 5:30 PM | Understanding the FRS Investment Plan | ** Click Here to Register ** |
| 03/26/2026 | 5:30 PM | Investment Planning | ** Click Here to Register ** |
| 04/08/2026 | 10:00 AM | Using the FRS to Plan for Your Retirement (Spanish) | ** Click Here to Register ** |
| 04/08/2026 | 5:30 PM | Using the FRS to Plan for Your Retirement (Spanish) | ** Click Here to Register ** |
| 04/14/2026 | 10:00 AM | Using the FRS to Plan for Your Retirement | ** Click Here to Register ** |
| 04/14/2026 | 5:30 PM | Using the FRS to Plan for Your Retirement | ** Click Here to Register ** |
| 05/06/2026 | 10:00 AM | Nearing Retirement in the FRS | ** Click Here to Register ** |
| 05/06/2026 | 5:30 PM | Nearing Retirement in the FRS | ** Click Here to Register ** |
| 05/07/2026 | 10:00 AM | Nearing Retirement in the FRS (Spanish) | ** Click Here to Register ** |
| 05/07/2026 | 5:30 PM | Nearing Retirement in the FRS (Spanish) | ** Click Here to Register ** |
Upcoming Live Presentations
| Date | Time | Title of Course | Location | Registration Link |
|---|---|---|---|---|
| 07/16/2025 | 1:00 PM | SDOC Retirement Information Sessions |
Gateway High School 93 Panther Paws Trail, Kissimmee 34744 |
Click Here to Register |
| 07/16/2025 | 3:00 PM | SDOC DROP Information Sessions |
Gateway High School 93 Panther Paws Trail, Kissimmee 34744 |
Click Here to Register |
| 07/17/2025 | 1:00 PM | SDOC Retirement Information Sessions (Spanish) |
Gateway High School 93 Panther Paws Trail, Kissimmee 34744 |
Click Here to Register |
| 07/17/2025 | 3:00 PM | SDOC Retirement Information Sessions (Spanish) |
Gateway High School 93 Panther Paws Trail, Kissimmee 34744 |
Click Here to Register |
| 10/20/2025 | 10:00 AM | Using the FRS to Plan for Your Retirement | Transportation Admin Complex 401 Simpson Rd. | Click Here to Register |
| 10/20/2025 | 12:00 PM | Using the FRS to Plan for Your Retirement – Spanish | Transportation Admin Complex 401 Simpson Rd. | Click Here to Register |
| 10/21/2025 | 10:00 AM | Nearing Retirement in the FRS | Transportation Admin Complex 401 Simpson Rd. | Click Here to Register |
| 10/21/2025 | 12:00 PM |
Nearing Retirement in the FRS – Spanish |
Transportation Admin Complex 401 Simpson Rd. | Click Here to Register |
| 02/11/2026 | 4:30 PM | Nearing Retirement in the FRS |
Gateway High School 93 Panther Paws Trail, Kissimmee 34744 |
Click Here to Register |
| 02/11/2026 | 6:30 PM | Social Security and Your Retirement |
Gateway High School 93 Panther Paws Trail, Kissimmee 34744 |
Click Here to Register |