Federal Employee Disability Retirement: Peace of Mind

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, Esquire

 

Attorney for Federal Disability Retirement Claims: The concise sentence

What is the difference between being concise and performing with precision?  The former is often applied in the universe of words and communication; the latter, in areas where quantitative measuring tools can be determined, such as in science or in mathematical sectors.

We say of a person who speaks voluminously but with little substance that he or she represents the antonym of conciseness; and so a comparison is often made between volume spoken or written and concepts or thoughts conveyed.  Of Literature, most would agree that Hemingway is the representative paradigm of conciseness, whereas Joyce and Faulkner reflect the very opposite, though all three are considered classic and great authors.

Do we excuse such authors as Joyce and Faulkner because, in literature, we tend to focus upon the stylistic brilliance of their writings as opposed to the “meaning” that captures the undercurrent of their works?  In other words, although they may give us “too many” words and thus are, by definition, lacking of conciseness, we nevertheless overlook such imprecision precisely because we do not attribute “amount” as the necessary and sufficient cause of determining the worth of good authorship.

Hemingway used to say that, in writing, he had already formulated each sentence before setting it upon paper, whether in handwriting (a lost art) or at the typewriter (a manual, when those contraptions existed and where the clack-clack of metal keys pounded deep into the twilight of a writer’s life).

Why do we applaud and celebrate the concise sentence?  Does it make a difference whether or not a sentence, say, with 7 words communicates a thought as opposed to a paragraph with a thousand words that conveys the identical conceptual construct?

Take the following 2 examples: 1. Lessening of debt equals wealth. Or, 2: If you have less to owe to others, then it is the same as savings; or, as Benjamin Franklin used to say, a penny saved is a penny earned, and the reality of it all is that we have more to spend and retain wealth, not so much because you have more money, but you have more because less is spent on paying other people your hard-earned dollars.

Now, both sentences convey essentially the same meaning.  The first one, however, is comprised of 5 words. The second one took…many words to communicate the same thought.  Does it matter whether a concise sentence is used, as opposed to one that is not, if the same two convey identically reflective thoughts?

It might make a difference, because of one factor that has not been discussed: Being concise often possesses the added feature of being precise, and precision is important in the accuracy of conveying thought.

For Federal employees and U.S. Postal workers who are thinking about 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, there is a dual-key component to preparing the SF 3112A, Applicant’s Statement of Disability: Be concise, but do not forego length for completeness.

In other words, being concise in order to convey the proper information is important; but, at the same time, do not sacrifice wordiness just because of the limited “boxes” that are provided on SF 3112A.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement under FERS & CSRS: Reference points

They are the connections by which a society maintains a fabric of commonality, whether by myths, narrations of stories handed down, religious knowledge or books and movies.  It used to be that the “Good Book” was the mainstay of the reference points, so that when a person referred to having “eaten the apple”, for a simple example, one immediately knew that the reference points between a sin committed and the origin of that sin had a commonality within a woven fabric of a community’s awareness.

Similarly, people used to refer to books – of classics and works which were generally read and assumed, and when a person made a literary reference in the course of a conversation, it was not to be presumptuous of one’s education or knowledge, but as a “reaching out” in order to establish a membership in the fabric of the greater community.  The expansion of choices, the division of classes within a society, and the fraying of that greater fabric of a society’s common interests – they are all indications of a disintegrating civilization.

Reference points were once assumed; today, they have become rarer; and as the younger generation moves on in concentric circles of technological advancement that become lost in the self-absorption of self-promoting images on Internet-based social forums, so reference points become less common except within the self-contained genres of Facebook, Instagram and Twitter feeds.

Of course, there have always been problems with various reference points – one being the reference point of a medical condition.  For, a person with a medical condition has the private reference point of pain and suffering, and the long stays at a hospital, or the constant visits to the doctor’s office – reference points that few at the office ask about, let alone know about in any detail that would bring about any sense of empathy.

Federal employees and U.S. Postal workers are often the greater culprits of maintaining private reference points, because they continue to push themselves through the pain and agony of a medical condition without complaining, and so there is very little reference point by which coworkers can offer sympathy, empathy or any help at all.

Fortunately, 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, does not need any reference points, other than the legal criteria by which one must meet the eligibility reference point.  For, ultimately, the final reference point that the Federal or Postal worker needs, in order to prepare, formulate and file an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, is the one that establishes that the Federal or Postal employee is no longer able to perform one or more of the essential elements of one’s Federal or Postal job, and that is the only reference point that matters.

Sincerely,

Robert R. McGill, Esquire

 

CSRS & FERS Disability Retirement: Life’s silent opera

Is not much of opera a booming voice, a lingering chord and the grand mayhem of combining movement with long, loud and hanging sounds emitted from men and women who are born with a talent rarely heard?  So, can there be a silent opera?  An opera where movement and gestures are seen, but when the performers open their mouths, only silence come out?  If one-half of opera is the singing and the uniqueness of voices, while the other half is comprised of extravagant costumes and sets that tell the narration of the story through dramatic display, can life be bifurcated any more than an opera?

And, yet, isn’t that what much of life is – of a silent opera, where we notice, recognize and even sometimes acknowledge the movements of another person, but rarely listen or hear anything about that person?  How well do you know the person sitting next to you, or your next door neighbor whom you have seen for over a decade?

We ask not questions that might query and squeeze out narratives otherwise unknown and ignored, and so long as we attend life’s silent opera, we only glean half of the story, if that.  And to others, likewise, we are life’s silent opera.  They mind their own business, and we ours; and that is what we call “privacy” and the heart of individualism, as opposed to “collectivism” or, in more picturesque settings, of a “community” – something which we fool ourselves into believing exists, anyway, but spending countless hours of valuable time searching the Internet and engaging in make-believe that Facebook is a “community”.

Then, of course, life’s silent opera often includes a medical condition, or some pain or trauma experienced or currently undergoing, but of which no one else is aware.  The movements are still there, and even the extravagant settings.  Perhaps a person walks with a limp, or as he or she sits down, an involuntary grimace shadows the expression; yet, no complaint is made, no sound is emitted, and so we are satisfied with half of the storyline.

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 worker’s job, life’s silent opera begins.

It is time to prepare, formulate and file an effective Federal Disability Retirement application, because – while no one acknowledges the “voices” and “sounds” of the medical condition, the “movements” are there, of the Agency beginning to realize less-than-acceptable performance; of using too much SL or extending one’s FMLA and remaining on LWOP; and while no one may say anything, the rumblings of Agency harassment and impending termination may be just around the corner.

Filing for Federal Disability Retirement is the next logical step in this extravagant setting of life’s silent opera, where even the main actors are no longer interested in whether the audience hears your voice or not.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Ascribing wrong motives

Is it wrong to ascribe wrong motives?  And, unless there emerges practical consequences, does it matter?  If a non-family member forms a relationship of friendship with an older person, do we fairly ascribe an underlying intent of malicious deliberation?  We may think thus:  He is hoping to gain something – gifts in return; an inheritance, perhaps; or, maybe even a more blatant act of stealing or forcibly engaging in a criminal enterprise.  On the other hand, there could be a purity of motives – of responding to loneliness and a desire for company; but who in this world ever believes that, anymore?

In a universe of depravity and disseminated cynicism of purpose, we know better, yet cling to that time eons ago of innocence and purity, when not everyone darkened his inner soul of decadence.  What was that age-old adage that once applied, when mothers and grandmothers admonished us to invite strangers into the home, lest one day a disguised angel appeared amongst our sinful souls?  Of scenes during the Great Depression when the hungry would knock humbly on backdoors and stand with hat in hand, eyes cast downward, and children in tattered clothing looked up with forlorn eyes in bulging anticipation for a morsel of forgiveness and food?

Yes, we give to that homeless man or woman in a moment of panic, when the urge of empathy is not so much overwhelming, but more fearful that we want to avoid the image that, “But for the grace of God, I may become like that person”, and quickly hand over some loose change or fumble for our wallets and pocketbooks to swiftly dispense with our duty to our fellow mankind – and if a stranger looking askance smiles sardonically and quips under his breath, “Yeah, right, as if you really cared” – is it any different in ascribing a wrong motive, than the mercenary who targets old ladies and innocent children with threats of harm?

This is a pivotal point in civilization’s evolution towards a pinnacle of maturation:  as the West has no mechanism in the generational transfer of wisdom, where the young learn of lesson’s past through dinner-table discussions of nightly musings; so the imputation of cynicism’s haunting residue will only exponentially overtake any purity of a soul’s essence.  We become what we fear, because fear overtakes and is more powerful than any singular love for one another.

For the Federal employee and U.S. Postal worker who is considering preparing, formulating and 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 often the case that the Supervisors, Managers and coworkers of the Federal agency or the Post Office at which one works, will ascribe wrong motives to the Federal or Postal worker filing for Federal Disability Retirement benefits.

That is a sad thing.  For, no one else can “feel the pain” as the person suffering from a debilitating medical condition, just as empathy and sympathy become waning characteristics in a society increasingly devoid of such human essences of Being.  In the end, one must simply ignore such lack of civility, and move on, as the saying goes; for, the old adage of proverbial significance – that a person is unable to understand unless you have walked a mile in his or her shoes – still applies today, whether or not the other person has ascribed wrong motives or not.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The Redshirt

In athletic parlance, it refers to an individual and a status, allowing for a fifth year of eligibility when the rules mandate a restriction to a four-year period.  The word itself is quite malleable, and reflects well the technicality involved in avoiding the direct letter of the language.  Being a redshirt (noun), a redshirt freshman (adjective) or redshirted in his first year (verb) reveals to us the capacity of language to jump like grammatical forms of hopscotching that amazes and intrigues; and the cautionary prelude to a wink-and-a-nod is prefaced with, “You are being too literal”.

It only proves the point, doesn’t it — of the age-old adage that rules are created with the intent of being broken; or, at least bent in order to fit?  For, once such rules were imposed in order to allow for “fairness” in collegiate sports, the “legal technicians” (i.e., lawyers) went immediately to work upon coming up with novel interpretations, strategies for avoidance, and advice to extend beyond what the limitations allowed.

“Redshirting” was one of the devised methodologies – of allowing for everything up to the critical line of demarcation:  that of playing in a game itself.  Thus, the redshirt can practice with the team throughout that entire year of eligibility, but such actions do not count; the redshirted freshman can attend classes, be a full-fledged partner in the “college life”, and yet his participation is not marked against him or her; and to be redshirted in that year of eligibility allows for growth, maturity, advancement in development – all without “using up” a year of eligibility by being sacked a hundred times during the season and becoming a shattered soul devoid of self-confidence and losing assurance of one’s talents and skills.

It is, within the athletic community of college consortiums, a brilliant strategy to deftly avoid the burden of rules; for the greater society, it reflects the essence of what is wrong, precisely because it is a deliberate attempt to avoid the literal language of the rules.  Yet, that is true of almost everything in life, is it not?

Careful study; identifying the loopholes; then initiating the strategy to maneuver around landmines and obstacles.  Is it any different than a hunting party tracking a prey, sniffing out the signs of predatory confirmation and taking in information and adapting accordingly?  Rules, regulations and laws may well be designed, initially, at least, to address a specific problem; and, out of the cauldron of an enacted statutes, comes multiple other problems and issues because of the malleability of words and imprecise linguistic pauses.

Preparing an effective Federal Disability Retirement application is no different.  It is a necessary prerequisite to identify the legal language of eligibility; define the issues; identify whether or not the Federal or Postal employee considering such an option “fits into” the legal criteria circumscribed; then to proceed to “redshirt” one’s own situation and devise a methodology for eligibility.

Compiling the evidence, formulating the proper narrative, and presenting 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, can thus be likened to the redshirting of a freshman – in order to extend one’s life beyond the debilitating medical conditions otherwise shortening the career of a promising Federal or Postal employee.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Catching with a net

Have you ever tried catching multiple entities with a net?  Whether more than one butterfly, or goldfishes in a pond, or even debris floating at the skimming water’s edge, the act of scooping, trapping and encircling with the tool of a net requires dexterity and unique hand-eye coordination.  Then, the one first caught escapes, and the frustration of gain-versus-loss ensues.  Is it greed which continues to compel despite the persistence of loss and diminishing return, or sheer stubbornness that we somehow battle against our own interests even when further escape occurs?

Ever the frustration of observing those once caught and get away, and chasing after those very ones we just enmeshed and caged within the netting of this ingenious deployment; and yet we insist.

How does that translate into a specific personality, or the manner in which we carry on in our daily lives?  Is going out and catching butterflies with a net the perfect methodology of determining a prospective employee’s “fit or unfit” personality and character for an organization?  Does it reveal a side of the person – for example, in the financial sector, or investment banking, if a person approaches the task by catching one, stopping, putting the insect or other entity into a bottle with pre-bored holes for oxygen, then proceeding in a sequential manner and attending to catching the next one, etc., does that tell of a prefatory commensurateness with careful investment strategies?

Or, take the very opposite, where the task is to catch 10 moving entities, and instead of stopping after each one, the future employment prospect goes about madly racing through the tall fields of grass furiously attempting to net the quota of requested numbers, despite imposing no time-frame in the completion of such a task – does that necessarily reveal a personality of lesser caution, of a person who may be rash and imprudent?  Does one revelation of acting in a particular context unmask a parallel semblance of reality in another, or do the specific circumstances themselves confine and define within a marginalized mirror?

Whether transferable or not, the imagery and metaphor of a person attempting to catch multiple entities with a single net, shows a side of human life which can be both comical as well as compelling.  For, as a reflection of parallel circumstances, it is somewhat indicative of the Federal or Postal employee who must begin the process of preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

Like the person handed the net, the Federal or Postal employee with a medical condition who can no longer perform one or more of the essential elements of one’s Federal or Postal positional duties, must make a pragmatic determination as to the diminishing returns recognized in continuing in the same repetitive venture of living.  At some point, there comes a flash of realization that the same acts cannot continue without something else giving – and whether that “giving” is the butterfly which escapes, or one’s deteriorating health further and progressively becoming destroyed – is the flashpoint of reality revealing itself in compelling a decision for today, and no longer procrastinated for some unknown time in a future left insecure.

And like the butterfly which escapes to be free for another day, the Federal or Postal employee who cannot perform the essential elements of one’s Federal or Postal positional duties must by necessity attempt to free him or herself from the medical condition in order to reach that place in life where pain, misery, and the sense of being “caged” will no longer apply.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Federal Employees: The touch of life

People often refer to “the touch”; of Midas’ ability to engage in alchemy, now transformed into a metaphor for those whose every endeavor results in financial gain; or of that “soft touch” in the arena of basketball, where the swish of the net and the easy bounce which finds the diameter of the hoop always larger than the irascible target of our trying attempts.  But it is the “touch of life” which encompasses all of that, and more.

When most struggle with the morning fog of first dawn, and youth craves for the security of childhood but act with cynicism to protect their own pride; and pride itself, foolish in its heart, but where wisdom never finds refuge but for the mistakes made in trying.  The touch of life comes to the fore when wandering souls finally find restive quietude from the troubles of the world, and for a brief moment when time, history, and the troubles which beset, can be set aside in an orderly, systematic and rational universe of timeless peace and finality of purpose.

Wisdom is hard to come by; and in the midst of daily struggles, finding clarity of purpose is impossible, especially when troubles abound upon the horizon of life’s plenitude.

For Federal employees and U.S. Postal workers who are struggling because the Federal agency or the U.S. Postal Service harasses, intimidates and engages in unfair labor practices, preparing an application for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is often the only viable choice left.

Life often grants only limited options, but when we grumble and complain about the lack of alternatives, we merely delay and obfuscate the richness open to our own lives.  Instead, what the Federal or Postal employee needs to do, is to take that opportunity and prepare, formulate and file an effective Federal Disability Retirement application with OPM.

Grumbling about fate not in the cards merely takes energy away from that which will work; and as America is a land of pragmatism, the home to William James and the only original philosopher from this country, it does well to recognize that the touch of life is not reserved to the magic of alchemy, but to the choices we wisely accept and forge forward upon.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Pretending

It is the creative imagination which ultimately separates man from his counterpart; and, in the end, those costumes we display, and wear as vestiges of who we were, what we have become, and how we want others to appreciate us — in the aggregate, they reveal either our pretending selves, or at the very least, our pretentiousness.

For Federal employees and U.S. Postal workers who have a medical condition, such that the medical condition necessitates filing for Federal Disability Retirement benefits under FERS, CSRS or CSRS Offset, the extension from childhood through adulthood is best personified in the ability and capacity to “pretend” — assume the role of the loyal civil servant; march on in quiet suffering; brave through in silent grief the turmoil of a progressively worsening medical condition.  But when “pretend” encounters the reality of pain and self-immolation of destruction and deterioration, there comes a point in time where childhood fantasies and dreams of want and desire must be replaced with the reality of what “is”.

That annoying verb, “to be”, keeps cropping up as an obstacle of reality, forever obstructing and denying.  Reality sometimes must hit us over the head with harsh tools of sudden awakenings; for the Federal or Postal worker who must consider filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, the wake-up call is often the alarm-clock that rings after a long weekend, when rest and respite should have restored one to healthy readiness on the workday following, but where somehow the face of pretending must still remain.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Reversal of Fortune

Life itself rarely reflects a steady, linear progression on a graph; the zig-zagging representing times of economic turmoil more accurately profiles a person’s span of existence.  Moreover, one’s career is not necessarily the essence or paradigm of a given life’s experience; there are multiple factors, including emotional, births and deaths, marriages and medical conditions.  How does one quantify an experience?

The methodology we seek is often purely in monetary parallelism:  if one receives pay raises and cash rewards, then one’s career is considered to be on an upward trajectory; if one gets a reduction in salary (with or without a concomitant demotion in position), then the loss of linear progression is deemed a failure of sorts.  But like marriages, and life itself, careers never merely reveal a positive path of progressive purity; ask Elizabeth Taylor, who skews every statistical analysis of marriages and divorces.  And then, of course, there is the interruptive influence of a medical condition.

For Federal employees and U.S. Postal workers, the daunting doldrums of a medical disability reveals many things not reflected on a graph of life:  the bother; the interruption of a career; the fear imposed; the dealings with coworkers; the reaction of the agency or Postal Service; the need for surgical and other procedures; a whole host of activities not previously contemplated.

For the Federal and Postal employee who finds that a medical condition begins to prevent one from performing one or more of the essential elements of one’s job, consideration then needs to be given for filing with the U.S. Office of Personnel Management, whether one is under FERS or CSRS, or CSRS Offset, of an effective Federal Disability Retirement application.

Yes, unfairness is a characteristic of life not reflected in the graph of microeconomics; yes, sometimes experience teaches us that the proverbial cards are stacked against us; and yes, reversals of fortune constitute a reality rarely taught in classroom social studies.  But as life’s experience is never accurately or fully represented by mere lines and numerical paradigms, so a biography of a historical figure can never be captured, as fortunes and reversals thereof can never embrace the complexity of human folly.

Sincerely,

Robert R. McGill, Esquire