It is a wonder how information is restricted or fails to be disseminated. Of course, like all insurance policies, one is never interested in the details of an insurance policy unless and until it is needed. Insurance is often likened to “peace of mind” — and that is how it is packaged and sold.
You purchase insurance not only because it is required (such as auto and home), but because of the fear of the “What if” scenario: What if I die before my children have grown up? (life insurance). What if someone gets injured on my property? (umbrella insurance). What if I become disabled and am unable to work? (Disability Insurance).
Yes, there are private policies, as well, but fortunately for Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job, there is the added benefit of Federal Disability Retirement.
You may not need to access it for now, and for that, it provides a “peace of mind” until and unless it becomes necessary.
Sincerely,
Robert R. McGill
FERS Disability Attorney
OPM Disability Retirement, Et Cetera… 