Medical Retirement for Federal Government Employees: The shelf

The various components of our lives reveal the type of species we are, and the reflected anthropomorphism that parallels cannot be avoided.  Is the clutter in our life an expression of functionality or of an ostentatious display to stand out and apart?

The car we choose to drive; the clothes we wear; the expressions we adopt, undertake and use with aplomb like so many water balloons thrown from around the corner in anonymous chuckles once the projected implements explode upon the shameless lives of unexpected strangers.

What do we place upon the shelves that line the walls of our own personalities?  The shelf is a strange contraption of human invention; what other animal or species of alien origins has invented such a thing?

It serves a purpose both of functionality, practicality in storing effects, and at the same time, satisfying a human need to display and present to any who visit and succumb to the curiosity of watchful eyes. Or, is it to store and forget?  Where the shelf is placed is telling; is it in the basement where relics are stored, or out in the living room against the wall, or the foyer, the recreational room?

What do we place on the shelf — photographs, and if the photograph lies face down, does it mean that those who posed for it are now in disfavor and no longer merit the studious appreciation of all who visit?

Is the shelf lined with books, and are they in alphabetical order, or in some semblance of genre-driven or other means of clean and logical categorization?  Are they first editions, signed, hardback or paperback, or just a bunch of books bought at a used book store to impress any who might peruse the shelves of you?

And what of our “mental shelves” — what do we line upon them, what storehouses and warehouse are collected in dusty bins and small knickknacks that clutter the inner thoughts of our lives?  Have we placed certain memories upon “the shelf” and forgotten about them?  Or do we reach for them when we are lonely, abandoned and left to our own devices?  Have we come to a point where we consider our own lives to be “shelved”?  Or, do we submit quietly as others have determined to “shelve” our own careers as we sit quietly upon the shelf of living and wait for the dust to collect?

For Federal employees and U.S. Postal workers who suffer from a medical condition where one’s career has been placed on a metaphorical shelf — one where you are now relegated as a nonentity and barely recognized, much less acknowledged to even exist — it may be time to prepare, formulate and file an effective Federal Disability Retirement application with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

Agencies and the Postal Service tend to do that to their fellow human beings — of treating them as mere displays upon the shelf otherwise placed in a corner or down within the basement, and often, it is the medical condition and the loss of productivity or efficiency that determines the order of where you are placed on the shelf.

Preparing an effective Federal Disability Retirement application can take your off of that shelved status, and return you back to the world of the living, where dust and detritus may not be the order for the day; at least, not yet.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Identifying the time for change

At what point does a person finally realize that it is time for a change?  That things cannot go on “as is” much longer, and certain modifications, “accommodations” (there’s that fearful word, again) and alterations must occur, or else you feel that your head will explode or something dire will suddenly befall.  Inside, daily, your thoughts turn to the knowledge that “this cannot go on forever”, and that something must occur.  But what?

Then, the voice of hope keeps whispering that, well, perhaps circumstances will change, alterations to the objective universe may come about in the morning thereafter, and the world will somehow shift and things will get better.

We have been fed upon from infancy until the cold winds of adulthood that folklore and fairytales occur, but the reality is that unless we initiate the pathways of change, they rarely occur except in fables of miracles and mythologies told in dusty old books.

First, it should be clear that the need for change has already been identified when one recognizes that it is time for change.  That identification, however, is often not enough.  For, it is the further sub-identification in recognizing what it is that needs change, and more importantly, why?

If the reasons underlying the need are within the purview of one’s control and destiny of choices being made, then the second step in the process can be initiated by the need identified.  That is the critical juncture in the decision-making process: Of identification, the reason, the underlying need, and then the steps taken to initiate the change in order to satisfy the need identified.

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, the need for change often comes about incrementally, insidiously and without great fanfare.

The “need for change” can often come at a critical juncture where frustration of a sense of impending doom collide, and necessity arises because no other alternative pathways appear to exist.  Moreover, it is the identification of the time for change that is often overlooked — that point in life where one is scrambling about desperately not quite knowing the “why” of the need, but only that it must come about.

Speaking to an experienced attorney who specializes in Federal Disability Retirement law may be the first step in sorting it all out.  For the Federal or Postal employee who must by necessity consider filing a Federal Disability Retirement application , the need for change is likely now; identifying the time for change may only require the time it takes to have an initial consultation with a lawyer who has guided many Federal and Postal employees through this process before.

Sincerely,

Robert R. McGill, Esquire

 

OPM Retirement for Mental or Physical Incapacity: Of mice and things

In the early morning hours or in the late twilight of night when everyone else is fast asleep, of mice and things scurrying about tells of a world beyond the days where we awaken and watch.  We all have a tendency to anthropomorphize upon a world we otherwise would fail to understand, and projecting our own characteristics upon another species has always been what we cannot resist.

Of mice — do they run about when everyone else is away because of fear, or because they, too, love the quietude of a period when all except the insomniacs and burglars tiptoe in shadows of darkness where the innocent dare not trample upon?

Sometimes, in the rush from hiding place to food source, the mouse will pause, lift up on its hind legs, look about, nibble a bit, then off again; and when they become bold enough to actually stare and look directly at the master of the house, you know that it is time to bring out the cheese and the traps, for they have exceeded their welcome and are likely becoming too comfortable in a home that they are unwelcome.

And what of the “things”?  Well, there are mice, and then of course, centipedes and spiders, and cousins of mice, and other things.  They are the ones who go “bump” in the night.  Are we like them?  If a greater master were to look upon us like we do of mice and things, would that Grand Wizard think similar thoughts?  That if we scurry about in fear and try and remain anonymous and unobtrusive, we would be left alone; but if we became bold in our unwelcomed status, a trap would be set for us and we would be cast aside into the oblivion outside of the walls of our own making?

Isn’t that how the injured Federal or Postal worker feels when a medical condition continues to prevent the Federal or Postal worker from performing all of the essential elements of the Federal or Postal worker’s position?  Such a Federal or Postal worker begins to feel like the mouse that scurries about trying to survive, but once he or she gets noticed, the Federal Agency or the Postal Service begins to set traps, to put the pressure on and proceed to ostracize and get rid of the pesky things.

Fortunately, Federal and Postal workers who suffer from a medical condition have somewhat more protections than those accorded to creatures small and large, of mice and things.

Preparing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is one such “protection” that allows the Federal or Postal employee to move beyond the workplace harassment and attempts to remove and terminate, thereby ending a career where one has invested one’s life to prolong.

What the Federal or Postal employee does not want to do, is to end up like those creatures that go bump-in-the-night — of mice and things — by failing for access all available benefits, and especially a Federal Disability Retirement annuity that can secure one’s future and allow for one to focus upon the important things in life, like one’s health.

Sincerely,

Robert R. McGill, Esquire

 

How much OPM Disability Retirement Pays?

“What will the benefit pay?”  That is often the primary concern of a Federal or Postal employee who must consider filing for Federal Disability Retirement benefits through the Federal Employees Retirement System (FERS), and it is certainly a valid first question.

The greater concern that cannot be overlooked, however, is the one that involves calculating the cost of NOT filing.  In the end, those Federal and Postal employees who must consider filing for Federal Disability Retirement benefits have three fundamental options: Stay put; resign and do nothing (or wait for termination/separation proceedings to occur, which amounts to the same thing); or file for Federal Disability Retirement benefits under FERS.

The benefit of a Federal Disability Retirement annuity is quite simply calculated as 60% of the average of one’s highest three consecutive years of service for the first year (offset by 100% of any Social Security Disability benefits received during the concurrent payments received) and 40% of the average every year thereafter (offset by 60% of any Social Security Disability payments received during those years), until age 62, at which point the Federal Disability annuity is recalculated as “regular retirement” based upon the total number of years of Federal Service, including the time that the disability retiree has been on Federal Disability Retirement.

Thus, the “greater” benefit in calculating the cost has to take into account the fact that one is actually “building up” one’s own retirement by the years one stays on disability retirement — for, those very years that you are receiving a disability retirement annuity count towards the total number of years of Federal Service when it is recalculated as “regular” retirement at the age of 62.

Yes, it is true that on the cost/benefit ledger that one should review before filing for Federal Disability Retirement benefits, you need to take into account the lesser income and the lengthy bureaucratic process that must be engaged, but you should also never forget what the originating basis for considering such filing compelled the consideration in the first place: Your health.

Calculating the cost of filing for Federal Disability Retirement benefits too often places the emphasis on what is lost — in terms of monetary gain and loss, etc.  But in calculating the cost of filing an effective Federal Disability Retirement application, to be submitted and considered to and by the U.S. Office of Personnel Management, the primary issue involves one’s deteriorating health and whether you can continue to remain in a job which has clearly become inconsistent with the medical conditions one is suffering from.

In the end, calculating the cost must go beyond the lessening of income; it must calculate the cost of one’s health, which is the single greatest asset one possesses.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability: Casting caution aside

Does it count if you didn’t mean it that way, but others perceive that you did?  If you do X but intend Y, but others think that your X was intended as X, is it still valid?  And how does validity work, here — is it only if you declare to the world what your intentions were in the first place, or if you smile slyly and keep your inner intentions a secret, does it still count as “valid”?

Isn’t that ultimately what we are afraid of when we act upon something — that someone will think one way and we want them to think another, or otherwise there is some lack of correspondence between truth and the thoughts within?

When we are casting caution aside and others warn us of our impetuosity, do we pause and care to “correct the record” because we worry about what others might think?  Isn’t that one of the underlying reasons why Federal and Postal workers fail to initiate the process of preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset?

We avoid that “tag” that everyone abhors — of a “malingerer” within the ranks.  Too much sick leave taken; not quite at the productive levels we once had a reputation for; excessive LWOP; constantly having appointments at the doctor’s office; and, suddenly, we believe that others are “staring” at us, judging us, whispering behind our backs.  Are they?  Or is it just my imagination running amok and creating a surreal universe of misperceived paranoia?

We become cautious, tentative, unsure of ourselves, wondering what our coworkers and supervisors are thinking.

Casting caution aside is not always an act of unthinking impetuosity or even of a gambler’s mindset. For, when a medical condition is involved, the only issue that matters is one of prioritizing one’s health, and preparing a Federal Disability Retirement application is often the best option available, and while others may consider the process as another pathway in casting caution aside, they simply do not know what you have endured, suffered and gone through before coming to such an important decision.

In the end, the universe of the subjective can never be judged by the mere appearances of the objective, and one’s opinion concerning the health of another cannot be valid without first experiencing the medical condition of the person suffering.

Sincerely,

Robert R. McGill, Esquire

 

OPM Retirement for Mental or Physical Incapacity: Perilous times

It can refer to the particular or the general, interchangeably almost without thought.  To refer to these “perilous times” is to ascribe to a particular period, an epoch or an era, an acknowledgment that the surrounding days and months are unique from all other timeframes of perceived dangers and tumultuous upheavals.  Or, it can be quite personal — where one describes specific circumstances concerning one’s own life, one’s situation and the peculiarities of a life otherwise undisturbed by circumstances that stand out.

There is that expansive “we” form that can distinguish between the particular and the general, as in, “We live in perilous times.”  Or, one can personalize it and declare to a friend in confidence, “I live in a state of peril” or “My life reflects these perilous times.”  The latter, of course, implies both the particular and the general by including not only the personal aspect of one’s upheaval but the generality of the historical context within which we all walk about.  Perilous times, indeed.

Medical conditions tend to specifically impact individuals in this way — for, in the particular, it hits upon us as a crisis of quality.  How we have lived; the lifestyle we have chosen; the priorities of what constitutes “worthiness”; all of these are challenged by a medical condition that begins to insidiously eat away at our body, our mind, our spirit.

Whether by intrusion of pain or something within us that no longer “works” normally; of private functions that have become worn out, or perhaps it is the memory, mental capacity or ability to cope with daily stresses; but of whatever origin or outcome, we look about for cures and comfort and often find none but some palliative form in a pill or a surgery that fails to correct.  Times become perilous because of circumstances beyond our control.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to prevent the Federal or Postal employee from performing one or more of the essential elements of the Federal or Postal job, perilous times often require perilous choices, and preparing, formulating and filing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, becomes a necessary next step in attempting to forestall the inevitable results of these very times that we deem to be perilous, whether in a particular sense or in a more generalized historical context.

Sincerely,

Robert R. McGill, Esquire

 

Attorney Representation for OPM Disability Claims: Sacrifice

What does it mean to sacrifice?  Is it a concept learned, or an act embraced during a moment of trial?  If not learned, can it occur when two strangers meet, or do the circumstances, upbringing, genetic material inherited, etc., all make the difference?  And of “learning” — can it be by osmosis, classroom lectures, or purely by observing and watching others engage in the act of sacrifice?  What compels a person to sacrifice one’s own life, well-being, wealth, the shirt on one’s back, or the last dollar in one’s pocket, and does it count at all if it is done for one’s own self-aggrandizement?

Say a person sacrificed a limb in order to save another’s life, but remained anonymous except for the inquiring reporter who wrote a piece delineating the admirable qualities of that person, etc.  We would all likely read such a story with interest and read it and share it with out children, friends, family, etc., and talk about good character displayed and the fine example shown.

What if that same sacrificing person was overheard to have said, “If I had to do it over again, I wouldn’t have done it.”  Would that change the calculus of our thoughts?  Would we think less of the person for having second thoughts?  Or, would we suspend our disbelief and say, “Oh, he’s just saying that because living without a limb must be traumatic, but he doesn’t really mean that.”?

What if, in addition to the sacrificing individual making such a statement, it turns out that the sacrificial act was just an accident and was not deliberately intended — would that further downgrade our admiration for the person?  What are the qualities that must all come together in order for an act of sacrifice to be admired and shown as a paradigm of exemplary behavior?

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 the Federal or Postal job, the intersecting issues between enduring the pain and difficulties of a medical condition, with the requirements of performing all of the essential elements of the Federal or Postal job, come to the fore when reflecting upon the conceptual paradigm of “sacrifice”.

At what point does sacrifice turn into foolhardiness?  Is it when the pain and suffering can no longer be endured and others, including the Agency or the Postal Service itself, begins initiating the process of removal or placing you on a Performance Improvement Plan?

While we may never know precisely the distinction and difference between sacrifice and self-destructive behavior — what people mistakenly obscure between “bravery” and “bravado” — what should always be kept in mind is the unmistakable fact that one’s health should be a primary concern, and that “sacrifice” should be reserved for a worthy cause.

Thus, when the intersecting ideas of “sacrifice”, “work” and “health” clash as irreconcilable differences, a divorce must occur between the three at some point, and preparing, formulating and filing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset may be the best option left before throwing away the chance of an admirable act of sacrifice is lost to an unworthy cause at the price of one’s own health.

Sincerely,

Robert R. McGill, Esquire