OPM Disability Retirement under FERS: Perfection in an Imperfect World

Other people are perfect; we, knowing the private imperfections abounding, can only project an image of perfection, and nothing more.  For, anything beyond a facade of perfection would make us either delusional or incredibly self-deceptive.

The “I” can only go so far in pretending to be perfect, precisely because self-knowledge of the multiple imperfections precludes such a false characterization of one’s self.  You, on the other hand, can be perfect.  Of course, my self-knowledge of myself logically concludes that the statistical and pragmatic chances of you being perfect are probably nil.

Nevertheless, based upon the facade you present of yourself, the pictures on your website, the perfect smiles on Instagram, etc., allows me to engage in the fiction you have created — of perfection in an imperfect world.

Similarly, there are no perfect Federal Disability Retirement applications.

Every FERS Disability Retirement application is a picture of imperfection, precisely because human beings who suffer from a medical condition never act in perfect ways in an effort to obtain a Federal or Postal Worker Disability Retirement benefit.  However, the U.S. Office of Personnel Management reviews all cases based upon the criteria of perfections — as to whether or not you perfectly meet each and every one of the legal criteria in a OPM Disability Retirement application.

Contact a Federal Disability Retirement Attorney who specializes in OPM Disability Retirement Law and see whether or not a “close-to-possible” perfection can be attained in preparing an effective Federal Disability Retirement application, to be submitted in an imperfect world.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement: The Simulated Life

We all engage in it, to some extent; it is all in the “extent”, however, that matters.  The manufacturing of something which approaches the original; of pretending “as if”; they all constitute a simulation of sorts.  Whether of an expensive handbag that is made in another country where labor is cheap and copy-catting is the norm; or merely a smile when you actually want to cry; or of the rote response to, “Hi. How are you doing?” — where we reflexively declare, “Fine, and how about you?” — when in fact you are not doing “fine” but instead are forced to simulate the required rhythm of normalcy.

Society requires the simulated life until life itself becomes too real such that it must crawl out from the cocoon of artificial existence.  It is as if the metamorphosis from one form of existence into another must by force erupt, and that is the point when reality must by necessity force its being into existence.

For Federal employees and U.S. Postal workers who suffer from a medical condition where, each day, a simulated existence must be lived because to do otherwise might mean that you may lose your job, consideration should be given to possibly filing for Federal Disability Retirement benefits under FERS, especially when the real life being lived — the pain and anguish from a medical condition — can no longer remain contained within the cocoon of a simulated life.

Federal Disability Retirement allows for a lifetime annuity that lets you focus upon your health, and thus circumvents the simulated life and instead allows you to be the “real” you, and not some manufactured form of a fake smile, a forced joy or an artificial existence.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Expertise

What constitutes it, and who determines the status of when it is achieved?  We hear about people who are “experts” in this or that, referring to either experience, association or credentials, and based upon that, we accept their status of being an “expert” in the field.  Can that be undermined by personal experience?

Say a person has a Ph.D. in a given field, has worked in the capacity of that field for 30 years, and everyone in the field refers to him as the “resident expert” or “the best of the best” in the field; and yet, in a given situation calling for his or her expertise, he or she fails, is wrong, or otherwise falls short of having provided any competent input.  Does that undermine the expert’s status as an expert, or does one shrug one’s shoulders and say, “Well, you can’t be right all of the time”?  Say a “non-expert”, during the gathering of expertise and amassing of various opinions in making a critical decision, suddenly pipes up and says something contrary to what Dr. X – with-the-Ph.D-with-30-years-of-experience believes and has stated, but in the end he turns out to be right — does that make him or her the new resident expert?

There are, of course, the various logical fallacies — like the fallacy of “association by reputation” or of presumed certitude based upon past experiences (refer to David Hume, for example); but the ultimate question may come down to a simple grammatical one: is the concept used as a noun, an adjective or an adverb?  How does one “gain” expertise, or attain the status of an “expert”, and can it be by experience alone, a credential earned, or by reputation gained — or a combination of all three?

How did Bernie Madoff swindle so many people for so many years?  Was he considered an “expert” in financial matters, and what combination of the tripartite status-making byline (i.e., reputation, experience and credentialing) did he possess to persuade so many to be drawn to him?  Or, is it sometimes merely greed and a proclivity of vulnerability to a good storyteller enough to persuade one that a certain-X is an “expert”?

For Federal employees and U.S. Postal workers who have come to a point in their lives and careers where a medical condition has begun to impact one’s ability and capacity to perform one or more of the critical or “essential” elements of one’s Federal or Postal job, a certain level of expertise may be necessary before preparing 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.

Ultimately, it is not “expertise” or some prior reputation that is important, but the accuracy of information received and the truth of the knowledge relied upon — and for that, one should do due diligence in researching not merely the “credentials” of those who declare some “expertise” in the area of Federal Disability Retirement Law, and not even self-puffery of self-promoting success, but in addition, an instinct as to the truth of what is stated.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement under FERS & CSRS: What we have to do

In once sense of the phrase, it denotes a duty or obligation; in another, the foundational basis of a practical, pragmatic nature – of that which we do, simply because it needs to be done in order to survive, to maintain a certain standard of living, or because we believe it is the “right” thing to do.  Each individual must decide for him or herself, of course, as to the criteria by which to determine that which we have to do, and the “what” will often be placed on a wide spectrum of moral ends that are meant to justify the means by which to proceed.

What we have to do – it is also a phrase that is said when shaking one’s head, as in the whispering to one’s self in gritting one’s teeth or biting our tongue and engaging in a soliloquy of thoughtful silence, saying, “What we have to do.”

For Federal employees and U.S. Postal workers who suffer from a medical condition, despite the medical condition beginning to prevent the Federal or Postal worker from performing one or more of the essential elements of the Federal or Postal position, it is a familiar refrain – of working through the pain, of trying to endure the paralyzing panic attacks or the heightened anxiety and depression that pervades, and to try and hide the medical condition and do what we have to do in order to economically survive – until it reaches that crisis point where the medical condition cannot be controlled, cannot be hidden, and comes bursting out like NFL players running through the tunnel from the locker rooms of one’s mind and body.

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, is just one of those other things that can be characterized as what we have to do.  For Federal employees and U.S. Postal workers who have a medical condition that begins to impede and prevent the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, the filing itself of an effective Federal Disability Retirement application is what we have to do, especially if the alternative is to stay at the job or walk away with nothing, which are actually no choices at all.

What we have to do – a familiar refrain for the Federal or Postal employee, and a necessary next step if you suffer from a medical condition that impedes or prevents you from performing one or more of essential elements of your job.  After all, you’ve been doing what you have to do all of your life, and this is just one more instance of it.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Medical Retirement: The Negative Interest Rate

In periods of economic stagnation, where mass hoarding by depositors results in a slow-down of commercial activity, rising unemployment and deflationary returns on value-for purchase in all sectors, the idea that depositors must not only deposit, but further, pay regularly to keep their money with the bank, would at first glimpse appear counterintuitive.

Perhaps that was initially the brain-child of some half-crazed Economist — that one with the frizzy hair appearing on Sunday Shows who had won the Nobel Prize for Economics many decades ago because no one quite understood what he was talking about, and believed that such insanity was either too brilliant to bypass or, more likely, to fail to appear as if one understood it would be to reveal one’s own ignorance and mediocrity (remember Schopenhauer’s adage:  “Talent hits a target no one else can hit, while genius hits a target no one else can see”).  And so it goes.

The problem with unworkable theoretical constructs, however, is that the rest of us have to live with the consequences.  In reality, the concept of “negative interest rate” is one which most people have to live with, anyway.  For Federal employees and U.S. Postal workers, this is a daily occurrence — especially for those who have a medical condition, such that the medical condition impacts the Federal or Postal employee’s ability and capacity to perform all of the essential elements of one’s Federal or Postal positional duties.

For, like the concept of the negative rate of return, the Federal and Postal worker must not only go to work, but continue to pay for it with their deteriorating health.  Additionally, the increasing harassment, adverse actions and diminishing joy in working with hostile coworkers, managers and supervisors, must be borne with a smile and silent acquiescence, as if the feudal backdrops of self-flagellation must be enjoyed within the caverns of psychosis in suffering.

The negative interest rate for Federal and Postal employees is thus nothing new; it is a theoretical model for all Federal and Postal employees who suffer under the suffocating malaise of a deteriorating medical condition.  The real question is:  At what rate of negative returns does the Federal or Postal employee withdraw the deposit?  For, in pursuing this analogy, it is precisely that critical point where money-kept and money-lost reach a pinnacle of insufferable choices, when the Federal or Postal employee with a medical condition must consider 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.

For, when the interest charged begins to eat away at the very principal which is invested, and the rate of return negates the benefit of remaining, then it is indeed time to withdraw the deposit, and begin to prepare, formulate and file for Federal Disability Retirement benefits through OPM, lest the negative interest rate which once, long ago, began as a theoretical construct in the basement of a mad economist, but which now pervades the ivory towers of polite academia with echoes of reverberating laughter once resounding from the insane asylum next door, begins to infect the four corners of a civilization which has lost its way.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Law: Fool’s Gold

Pyrite is often the element mistaken for gold, with its bright yellow appearance and shiny, reflective compound.  Why a given mineral is determined of greater value than another of similar appearance is a complicated affair, encapsulating economic principles of supply and demand, the fungibility and replacement feature of one over the other, and the plain fact that the elemental differentiation itself constitutes “real” versus “fake”.

It is, in history books, novels and plays, a metaphor for greed, corruption, ill-fated endeavors, and motives which propel obsessions of determined failure and futility.  For that which we seek with a blind eye, we end up becoming blinded to.  During the course of a career, one can often lose sight of why we were working towards a goal, the values which we once cherished, and the reasons for our very essence and being.

For the Federal employee and the U.S. Postal worker who suddenly finds himself or herself with a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s positional duties, the metaphor of the fool’s gold is an instructive one.  For, to pursue one’s career at any cost, is ultimately a fool’s errand; and when the price to pay is one’s own health, such a continuing act of futility can result in greater calamity than necessitated by one’s progressively deteriorating circumstances.

Priorities in life always have to be readjusted, in order to accommodate the unexpected vicissitudes of life’s challenges.

For Federal employees and U.S. Postal Workers, the work is important for most, and is a “high priority” in order to accomplish the mission of the agency or the Postal Service; but when one’s health contraindicates the priority of one’s Federal or Postal career, a change of venue should be considered, and filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is an important first step in making sure that the proverbial pot of gold one once sought, has not been replaced by the mirage of fool’s gold, lest the leprechaun who mended your shoes is caught during the process, in which case the three wishes granted may override the need to reshuffle one’s priorities.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: Compartmentalizing

It may well be another evolutionary vestige to have the capacity to divide, separate, pigeonhole and compartmentalize; otherwise, the extreme bombardment of visual and auditory stimuli would be overwhelming, and perhaps untenable to one’s ability to process the volume and extent of the information needed to receive, analyze and comprehend.

What is relevant; what must be immediately attended and responded to; which sets can be procrastinated; where does this bit of data go to?  In this world of information technology, perhaps the human animal is best suited to amass and bifurcate into seamless paradigms of perceptual pinholes for proper processing.  But, of course, as with all things advantageous, there are elements of negative consequences.

For those who have limited capacity to effectively engage in such endeavors; and for those who suffer from medical conditions which limit and reduce such capacity.  Medical conditions tend to lower the tolerance for stress; and in this world of fast-paced technology, there is little room for empathy for those who cannot maintain the maddening spectrum of timeless busy-ness.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to impact one’s ability and capacity to perform the essential elements of one’s job, the inability to withstand the level of stress is often the turning point of making the proper decision in preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal worker is under FERS, CSRS or CSRS Offset.

Some may whisper that he or she is no longer able to “hack it” in the real world; others may simply sneer or snicker with purposeless pride of pernicious penchant for punishing pointedness.  But the reality is that there is almost always an intimate connection between stress, the capacity to tolerate stress, and health.

Health involves man’s ability to compartmentalize; and whether through the evolutionary mechanism of survival of the fittest, where those who became best at separating the relevant from the unimportant; or just because those who are able to bifurcate and comprehend happen to parallel the course of history in developing the complexities of the information age; whatever the reasons, the time of ultimate compartmentalizing comes in the self-recognition that it may be necessary to identify the source of one’s deteriorating health, and to allow that to be the impetus and compelling reason to begin the process of preparing, formulating and filing for Federal Disability Retirement benefits through OPM.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government: The Run

Stockings and watercolors do it; time, with quietude and solace of a steady march, moving with predictable sequence like the consistency of a drumbeat; and, of course, the rhythm reminiscent of cardiac health, as do joggers and concerned citizens chasing down a purse snatcher to retrieve a possession of identity.  And life, too.

Sometimes, there is a good “run” of something — a lengthy period of calm and productivity, where all of the pistons of a complex and interactive mechanism akin to a turbo engine are firing away in tandem, and life is good, fruitful and positive.  But the inevitability of a breakdown can always be around the proverbial corner; a medical condition, suffered by a Federal or Postal employee, is not merely a stoppage of such a “run”, but can be a disruptive cacophony of ceaseless interruptions, both to career and to personal contentment.

The key is to get beyond, over, or around the obstacle which lands in the middle of one’s pathway for future well-being.  The child who fails to see the watercolors running; the invention of the stockings that never run; the life that seemingly runs smoothly; all, a perspective wrought at a price of neglect or deliberate ruse.  The fact is, life always has interruptions.

A medical condition can be a major one, and when it begins to prevent one from performing one or more of the essential elements of one’s positional duties, the Federal or Postal employee under FERS, CSRS or CSRS Offset may need to consider an alternate course and begin anew a run of a different sort.

Filing for Federal Disability Retirement benefits is indeed a change of course.  It involves a complex bureaucratic strategy to get from point A to destination B, and the administrative obstacles are many, but not insurmountable.  And, like the verb itself, it provides many meanings for differing circumstances, but the one and central root of the process involves embracing the paradigm that life is never as easy as one thinks, and like the child who believes that he is the next Picasso in training, the run of the unpredictable always betrays the truth of our condition.

Sincerely,

Robert R. McGill, Esquire