After you retire, you must wait at least 45 days before accepting employment with any participating employer. You should begin the process at least one year before your anticipated retirement date.If you are 65 or older or totally disabled (or your spouse is totally disabled), you may qualify for Maryland's maximum pension exclusion. Under the annual retirement test, you can still get all benefits due for the year if your earnings do not exceed the annual exempt amount. Learn about MarylandSaves, its requirements, and which employers must participate in this statemandated retirement program. One year prior to retirement, submit the following forms to the Maryland State Retirement Agency: Application for an Estimate of Service Retirement Allowance. In signing this form, I authorize the Social Security Administration to send this payment to the financial institution indicated in Section 3 and deposit it in.