To cower paints a word-picture of crouching or retreating in fear. Cowardice, on the other hand, is the cumulative character of a man or woman, wrought upon through a lifetime of milestones and the reactions to each. The latter can represent the aggregate of the former; the former may be, but is not necessarily, a singular action symbolizing the former.
Sometimes, there is a basis for being fearful. Fear is quite obviously an evolutionary instinct which has a survival value attached; how one responds to the overwhelming stimulus of fear will often determine the value of such survivability instinct. But to cower in response to a given circumstance, a sudden crisis, or an unforeseen emergency is not to conclude cowardice; it is, as Aristotle would point out, merely one indication in a lifetime of red flags determining the linear value of one’s essence.
For the Federal or Postal employee who must face the crisis of a medical condition, such that important decisions must be faced, made and lived with, the step to Federal Disability Retirement is one fraught with the fear of the unknown: for one’s future, one’s vocation, and one’s financial security. To cower in confronting such a major decision is understandable; it does not indicate a character of cowardice. Facing a medical condition takes fortitude and clarity of mind, and in the midst of dealing with the crisis itself, it is often difficult to make cogent decisions ancillary to contending with one’s health issues.
Preparing, formulating and filing for Federal Disability Retirement benefits, whether one is under FERS or CSRS, and filed through the U.S. Office of Personnel Management, is a daunting task which requires mental acuity and intellectual stamina. In one’s weakened state, it is often advisable to have objectivity and good counsel. To cower in the face of a challenge is sometimes understandable; but to reveal cowardice is unnecessary, especially when the Federal or Postal employee who must decide upon the issue of filing for Federal Disability Retirement benefits can turn to competent assistance to guide one through the complex process of the administrative morass.
Sincerely,
Robert R. McGill, Esquire
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OPM Disability Retirement 
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