After you retire, you must wait at least 45 days before accepting employment with any participating employer. If you are 65 or older or totally disabled (or your spouse is totally disabled), you may qualify for Maryland's maximum pension exclusion.As a senior citizen, one of the tax benefits you enjoy is a higher income allowance before you are required to file a Maryland income tax return. Do employees need to fill out paperwork to enroll or make changes? What if an employee already has a MarylandSaves account through another employer? The MarylandSaves program is designed to make it easy and free to help your employees save. Here are answers to many of the common things we've been asked. The Maryland State Retirement and Pension System (MSRPS) is a defined benefit plan. Do employers have to sign their employees up for MarylandSaves? What is considered to be a qualified, employer-sponsored retirement plan?