Disability Retirement for Federal Government Employees: The Suspect

Newspaper stories are replete with articles involving scams, dishonesty and crimes of financial improprieties; that is not surprising, given the nature of what constitutes “newsworthiness”.  Fraudulent claims involving disability applications are trumpeted loudly to reveal the disintegration of a system requiring structural integrity.  Of course, no one makes the distinction that such claims of fraud almost always involves the “other” disability system, and not the option available to Federal and Postal employees through the U.S. Office of Personnel Management, whether under FERS or CSRS.

Just as all politicians are lumped together, so the aggregation and broad-painted brushing of anyone receiving a “disability” annuity is to be expected.  But Federal Disability Retirement is a different animal from the “other” disability system, and with good cause:

First, Federal and Postal employees do not file for Federal Disability Retirement benefits until and unless it becomes a necessary option to take.  The general public cannot have it both ways: on the one hand, they complain that Federal and Postal employees have it “easy” with their Federal or Postal jobs; on the other hand, they grumble that receipt of Federal Disability Retirement benefits is taken advantage of by unscrupulous Federal and Postal employees. But if the employment itself is so easy, why would the Federal or Postal Worker take a lesser income by filing for Federal Disability Retirement benefits?  The fact is that most Federal and Postal employees work hard, and well beyond their rate of compensation, in furthering the mission of their agency or department; and filing for Federal Disability Retirement is the furthest thing from the mindset of a Federal or Postal employee.

Second, because of the reduction of income accorded by an approved Federal Disability Retirement, many Federal and Postal employees must go out and seek employment in the private sector.  Yes, they can continue to receive the disability annuity so long as they remain under 80% of what the former Federal or Postal position currently pays; and yes, the combination of both the annuity and the employment income can aggregately comprise more than what the former Federal or Postal position was paying; but that is the very attractiveness and intelligence of the incentivized system. It encourages the Federal and Postal Worker to remain productive, and to “pay back” into the system. In essence, it is a self-paying enterprise.

And, Third, because Federal Disability Retirement recognizes that the disability is tied to a particular kind of job, there is very little room for abuse within the system.  One is encouraged to remain productive, and such an incentive allows for the system to remain economically viable.

In these difficult economic times, people are often afraid of considering filing for “disability” benefits; but for Federal and Postal employees who have given their time, life and (often) health in the pursuance of an agency’s mission, being treated like a “suspect” in a broadly-painted indictment is not only unfair, but reprehensible.  The Federal and Postal Worker has nothing to be ashamed about, and the fact that the general public may harbor some hidden resentments during these trying economic times, is merely a reflection upon the often petty nature of humanity, and not a true gauge of the work ethic of Federal and Postal employees throughout the country.


Robert R. McGill, Esquire


Federal Gov. and USPS Disability Retirement: Expectations

Expectations are peculiar anticipatory states of being; based upon an accurate assessment of factual considerations, they can comport with a true sense of reality; dependent upon an unrealistic foundation of pure desire and want, it can lead to a devastating loss of trust.  In order to avoid unrealistic expectations, it is necessary to evaluate and assess, as much as possible, facts from past experience, objective present circumstances, and projection of fairly accurate intuitions for the future.

For Federal and Postal workers contemplating filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, a realistic expectation as to all aspects and corridors of the benefit itself is necessary in order to survive the entirety of the administrative and bureaucratic ordeal.

From evaluating the strength of one’s medical support, to the ability to convey a persuasive argument and case to an agency which reviews tens of thousands of Federal Disability Retirement cases; from a realistic timeframe of the entire process from start to finish; to financial considerations and future earnings potential and whether one can work in another job or vocation.  All such considerations should be evaluated and discussed.

In the end, however, the Federal employee who is contemplating filing for Federal or Postal Disability Retirement benefits often is confronted with limited choices: to continue working under the same conditions, that is, doing with the same tasks in the same Federal occupation (normally not an option, and that is why Federal Disability Retirement is considered in the first place); to walk away without filing for disability retirement benefits (almost never an option — self-evidently so); or filing for disability retirement benefits (the necessary option, and why it is being considered in the first place).

It is the expectations which often dismay, however, and it is a good idea to keep that animal in a cage of realistic assessments.


Robert R. McGill, Esquire

Postal and Federal Disability Retirement: Expectation of a Rational Basis

Giving a “reason” is the basis of rationality.  In some sense, such a statement is merely a tautology, a redundancy in propositional logic (as pointed out by Wittgenstein), or what Kant had termed as an analytic a priori statement, where the subject (“reason”) is essentially identical to the object (“rationality”) in definitional terms.  But it is precisely the providing of a reason which forms the proper basis for proceeding in a rational manner.

Thus, if a X states that it will rain today, the follow-up query might be:  “Why do you believe that?”  If X answers, “Because I say so,” such a “reason” would not be an acceptable basis to act upon, precisely because it is neither a valid reason nor a basis of rationality.  Contrast that to the following:  “Because the national weather service, after an extensive study of the weather patterns for the past two weeks, has concluded that there is a 97% chance of rain today.”  Now, one may argue that predictions concerning the weather are notoriously unreliable to begin with; but nevertheless, the latter forms a basis for proceeding in a rational manner, while the former gives us no such foundation.

Similarly, in all sectors of one’s life, one has an expectation of giving and receiving “reasons” for which to act upon.  In a Federal Disability Retirement case, we are expected to provide reasons for why a Federal or Postal employee is “eligible” for Federal Disability Retirement benefits from the U.S. Office of Personnel Management.  Conversely, it is a “reasonable” expectation to receive a “reason” when a Federal Disability Retirement application is denied at any stage of the process.  Templates used by OPM will often only present the most superficial of reasons; and some reasonings as proposed by OPM may be self-contradictory.

In the end, whatever the reasons given, the Federal or Postal disability retirement applicant must respond with reasons why OPM is wrong, or provide a rational basis for a difference of opinions.  But that is another matter for a different blog altogether — the very issue of “opinions” and what should be the foundation of a valid one.  For, after all, we each of us possess them, and a scant few make much of a difference.


Robert R. McGill, Esquire

Federal and Postal Disability Retirement: To Enter the Gates Blindly

Being naive is a quality and character trait which is distinguishable from innocence; in this world where information and the opportunity to obtain wisdom is vast and limitless, retaining the former quality may be unpardonable, whereas maintaining a level of innocence may reveal a life of self-discipline, where one has deliberately placed lines of demarcation around one’s life, and insisted upon not being sullied by the world around us.

One can remain innocent, yet not be naive.  While the converse may also be possible, it is important not to deliberately avoid the harsh reality around us.

Thus, in preparing, formulating, and filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, it is important that one enters into the metaphorical gates of the U.S. Office of Personnel Management with eyes of wisdom and experience, and not be saddled with the blind naiveté of thinking that the administrative process will be one of fairness and just analysis.

Assume that OPM will attempt to selectively read medical reports and records with an eye to deny; presume that they will ignore crucial evidentiary documentation which upholds one’s case; expect that legal “triggers” such as the Bruner Presumption or the holding in Trevan will be unimpressive.

That is why that which may be implicit, needs to always be made explicit, and repetitively so.  While it may be advantageous for one to enter the proverbial pearly gates with innocence, to enter through the gates of OPM with naiveté is merely inviting a door slammed shut.


Robert R. McGill, Esquire