OPM Disability Retirement Benefits: The reef beneath the lagoon’s surface

In every worthwhile venture, there is the inherent danger of failure, and more often, of encounters with obstacles while enduring the process.  Some are apparent; others, hidden like the reef beneath the lagoon’s surface, of the jagged formations from sediments deposited and coagulated through time and shifting tectonics of unseen tidal forces.  That is the greatest of dangers – of a peaceful hue by a lagoon in its invitation on the surface of beauty; yet, beneath, lurking unknown and unrevealed, ready to tear the undersides of an unsuspecting boat as it enters into waters mysterious in its captivating picturesqueness.

If only life were always defined by mere appearances; we would never have to stop and reflect, pause and contemplate, or resist the urge to jump head first into shallow waters that seemingly reflected a pool of depth beyond mere sparkling mirrors of a sunlit afternoon.  But that is not how real life, in real time, amidst real people in a real world, works.

And we all know it; except, perhaps, for those shielded children who can actually have a childhood of carefree days and cool breezes in an afternoon where fields of rye still allow for the catcher to stand just at the edge of the cliff, and safely deposit any wayward souls who may wander to the danger’s end.  And like the unseen reef beneath the surface of the seemingly tranquil waters of the lapping waves softly upon the lagoon’s invitation, life embraces, often maims, and forever destroys if unaware and stepping without trepidation of purpose.

For Federal employees and U.S. Postal workers who are considering filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, it is that unseen and unsuspected reef beneath the lagoon’s surface which must be considered before stepping into the still waters of the bureaucratic process.  For, while the waters may be quiet today, who knows what obstacles, dangers and dalliances of pitfalls will lurk about tomorrow?

The legal and administrative process of preparing, formulating and filing an effective Federal Disability Retirement application is replete with multiple unknown and unseen dangers; from legal issues arising in areas of accommodations, reassignment, varying manners of termination; to compiling the medical evidence such that it meets with the criteria for eligibility as set by statutes, case-law and OPM regulations; the compendium of the entire venture may appear simple.  It is anything but.

And like the reef beneath the tranquil surface of the sparkling lagoon, being invited to enter into those unknown waters may be tempting for the Federal or Postal worker who must file for Federal Disability Retirement benefits; but resist the initial temptation and consider being guided through those treacherous waters, lest the cautionary preface to dire consequences may fall upon the jagged reefs of life’s uncharted vicissitudes of disastrous results.

Sincerely,

Robert R. McGill, Esquire

 

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