FERS & CSRS Disability Retirement: The retirement itch

It normally doesn’t come until late in life; of that picturesque paradigm of the old man sitting in a rocking chair beside a crackling fire, a dog or cat, perhaps, on the floor just beside, reading a novel or looking through a picture album; where is Norman Rockwell, and is he still relevant?

In modernity and more recently, the picture depicted is of the old couple, or in solitary state of affairs, climbing the mountains in the Himalayas or traveling to exotic lands beyond; for, the advertising agents have figured out that if old people sit around in rocking chairs, mutual funds merely sit idly in accounts without becoming subject to trading fees and other expenses, and it is best to alter the mindset for future sources of income rather than to allow for stagnation to determine the course of a past.

Is that too cynical a view to posit?  Of course, events outside of one’s control will often determine whether or not activity in old age can be embraced, or will a more placid, sedentary lifestyle consume one’s retirement?

The “retirement itch” is one that often comes late in life, after a lifetime of toil, strain, stresses and “dealing with” problems.  Is “retirement” a concept that developed only in the last and present centuries?  Did not most people just work and work and work until one “died in one’s boots” – the proverbial preference of most people who have been productive all of their lives?

Then, of course, a medical condition can cut short and impose an early retirement upon a person – and that is what Federal Disability Retirement allows for, for Federal employees and U.S. Postal Workers who suffer from a medical condition, such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job.

It is that lack of a “retirement itch” that often makes the Federal or Postal employee pause; for, he or she is simply “not ready” to file for Federal Disability Retirement.

Yet, it is not any “retirement itch” or longing to rest and relax that leads one to consider filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.  Rather, it is the recognition that there are more important things to prioritize in life besides one’s work and career – such as one’s health.

It may well be that you are too young to have any sense of a “retirement itch”; but that sensation may be lost forever unless you focus upon your health and well-being, such that you will live long enough to scratch that itch that tells you that tomorrow may yet bring a brighter hope for a future yet untold.


Robert R. McGill, Esquire


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