OPM Medical Retirement: Life’s mortgage

We all know well the concept behind it – of borrowing against the object itself, in order to “half-possess”, occupy and enjoy it presently against a future promise that it will be paid over an incremental period of time.  Sort of like life itself, or at least of one’s health.  Borrowed time; life’s mortgage; banking on a better tomorrow; relying upon a promise being kept based upon today’s favorable circumstances over a lengthy period of time well into a future we can never be certain about.

Yet, because the collateral is the object itself – normally, the house that is being mortgaged – the loaning institution actually doesn’t take any gamble at all, even if the value of the collateral plunges below the agreed-upon amount to be paid; one is still obligated, no matter what.

It is sort of like life’s challenge itself – of the promise of a promising life based upon an anticipated health that will last until the day when one is suddenly gone.  But life doesn’t always work that way, just as the mortgage, lien and promise of financial growth doesn’t quite always fold out as planned, like the scrolled blueprint that keeps trying to roll back into an obscured cylinder with each attempt to lay it flat.

Sickness occurs; health deteriorates; the 30-year mortgage that was promised at the onset of the contract signed doesn’t unfold as anticipated, and sometimes a default occurs – like the health that deteriorates and the career that must be ended.

Federal Disability Retirement is a benefit accorded to all Federal and Postal employees under FERS, CSRS or CSRS Offset, based upon the idea that recognizes that while a long-term commitment to a career is reasonably anticipated, there are instances where such a commitment may need to be modified in the event of failing health.  Unlike the bank’s position in a mortgage-relationship as lender-to-borrower, however, it is not quite all that one-sided.  There are options still open.

Thus, because Federal Disability Retirement requires only that a person be unable to perform one or more of the essential elements of one’s position being occupied, the Federal or Postal employee is allowed to go out into the private sector and work at a job somewhat dissimilar (so long as there are “essential elements” which are not identical to the former Federal or Postal position), and make up to 80% of what the former Federal or Postal job pays currently.

For, in the end, life’s mortgage is unlike the home mortgage where the lender holds all of the proverbial cards; at least for the former, the great thing is that the reliance is upon the capacity of man’s ability, and not upon the fine print hidden within the banker’s contract.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement under FERS & CSRS: Where we are

Wherever we are, we believe that is where the focal point of life resides.  Yes, it is a truism that the wider the travels, the greater recognition that one’s life is relatively insignificant, and that there are others in distant places where greater importance and relevance is objectively established.

But the subjective, human perspective cannot ultimately abandon the compass of where we are; for, it is the center of the compass itself that controls the direction of the gravitational pull, and while the North Pole may be where the forces reside (including Santa, all of his elves and helpers, and presumably Rudolph and the offspring), the perspective of where the arrow points remains constant:  It is the I, where I am and what circumstances impact me (in whatever form the personal pronoun is enunciated).

Is it an inevitable perspective – this egoism of the subjective “I” from whence the world is viewed, around which swirls the universe that rotates, churns and erupts in unanticipated transcendentalism encompassing the universal karma denoting an insignificant place in the warped historicity of mankind?  Or, is it possible to have been brought up in a community where there is no word within the language game of the collective peoples that points back towards one’s self?

Thus, the “what if” game:  What if there is no personal pronoun?  What if the perspective embraces only some other, such that each views the importance of the other and the relative irrelevance of the one who perceives the other, such that there is no one but the ego in a reflection of a mirror pointing to someone else – would that make a difference, such that there would therefore be no personal possessiveness, neither in grammar nor in envious jealousies of owning that which is everyone else’s?  Can a person exist without being erased and stamped out, in a society where collectivism is constant and self-realization is an alien concept unable to be comprehended?

But that is not so; here, in modernity, there is but the subjective “I”, the royalty of self, and the self-importance of the fanfare where each and every one of us seeks and relishes the quarter hour of fame, now transformed into reality television shows and Selfies on an extension pole, or by min-drones hovering with a camera taking aim at every movement of our selfish worth.

For the Federal employee and U.S. Postal worker who must prepare, formulate and file an effective Federal Disability Retirement application, be cautious in determining “where” one “is” – for, an effective Federal Disability Retirement application can quickly become consumed by the subjective “I” in the narrative delineated in the Applicant’s Statement of Disability (SF 3112A).

To be an effective Federal Disability Retirement application, there must by necessity contain and retain a certain sense of objectivity, tempered by the medical documentation and evidentiary compilation to be submitted.  Yes, yes – where we are is important in life, but remember always that where we are is only relevant from the vantage point of where we want to be tomorrow, and the day after that.

Sincerely,

Robert R. McGill, Esquire

 

Postal & Federal Employee Disability Retirement Benefits: When Curiosity Fades

It is that compelling feature for animals and humans alike (if one is to make a distinction between the two); of an innate sense for the extraordinary, and a need to figure out change, reveal the hidden vortex of anomalies, and uncover the mystery behind the curtain.  Shakespeare made reference to the known proverb in Much Ado about Nothing, and it was originally meant as a forewarning for those who meddle in other’s affairs; but it is curiosity, indeed, which maintains an evolutionary compulsion to strive forth, to manifest life and liveliness in the face of dull acceptance and loss of inherent inquisitiveness.

When other concerns begin to intersect and overtake, is when such features meant to enhance survivability and adaption begin to diminish.  Life and its exhaustive characteristics, especially in modernity, can result in the uncharacteristic feature of disinterest and dismay.  Whether the medical condition portends first, or the sense of abandonment in prefatory congealment, the fact is that life and its inherent stresses can be like a weight of seemingly insurmountable burdens crushing in its suffocating pervasiveness.

For Federal employees and U.S. Postal workers, the heightened stress imposed by increasing steps of adverse actions, punitive measures and letters threatening discipline and termination, can be daunting and devastating.  Dealing with a medical condition itself can be a full-time endeavor, and can sap the life, energy and reserve of vitality for even the strongest of individuals.

When the medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s positional duties, it is time to take stock and inventory of one’s choices, which are normally limited to three:  (A)  Stay with the agency or the U.S. Postal Service, and allow for the progressive diminution of that peculiar trait called curiosity for life, (B) Wait for the adverse actions to increase in systematic advancement of punitive impositions, or (C) Begin the process of preparing, formulating and filing for Federal or Postal Medical Retirement.

The shell of a man did not become so in one fell swoop; rather, by incremental destruction, like a child taking apart a completed puzzle piece by piece.

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 often the first step towards regaining a piece of one’s sanity, one’s physical well-being, and one’s “wholeness” of being a human being; and contrary to the common perspective that curiosity killed the cat, it is almost always the exact opposite:  it is the Federal agency or the U.S. Postal Service which kills curiosity, which is the underlying force and beauty of a life worth living.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Requisite Sense of Control

Most of us require a semblance of self-determination, if only to conceal the inadequacies and keep at bay the disasters which portend, or pretend, whichever the case may be.  By controlling circumstances, we believe that we can maintain prevention of crisis, pre-determine the outcome of expectations, and squirrel away the hesitations and insecurities controlling us in our lives of desperate needs.  But life has a way of defying the macro-minutiae of the limited universe within our reach and immediate control.

Mastery of life is difficult to attain; just when we thought we had grasped the foundational principles of life and living, old age sets in, and the youthful vigor dissipates, like the ethereal dust of residue left behind by the flight of angels.

For Federal employees and U.S. Postal workers, it is that sudden onset of a medical condition which nags and refuses to go away, which becomes the harbinger of things to come.  Agencies and the Postal Service tend to be “meddlers”, and once a particular Federal or Postal employee becomes the trigger-sighted individual, the stray bullet that travels is normally not too far behind.  Loss of control, or the abandonment of a requisite sense of control, is derived when agencies target, and when adverse actions are issued, a PIP is imposed, and leave restrictions commanded.

Filing for Federal Disability Retirement is an option which is a viable avenue to pursue, precisely because it attains and reasserts that requisite sense of control, by securing a needed annuity for some semblance of financial security and stability.  Federal Disability Retirement is also a means of re-focusing one’s life upon the priorities which matter — such as one’s health and well-being, so that the harassment and hostility at work will cease.

But the long road in preparing, formulating, filing and waiting upon a Federal Disability Retirement application, filed ultimately through, and decided by, the U.S. Office of Personnel Management, is another bureaucratic morass which — for a time, at least — will feel like entering another and surreal universe where one’s destiny is in the hands of another:  OPM.  But in life, as in the parallel universe of the absurd, one must first lose control in order to gain the requisite sense of control.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Law: Avoidance

It begins with a subtle turning away, perhaps; reduction of contact, lessening of coincidental interactions, etc.  The fact is, in an office environment, or out in the proverbial “field” of employment, if a coworker or supervisor wants to get a hold of you, they normally can, and with aggressive intent, quite quickly.  But suddenly and in a spiral trajectory of avoidance, people begin to shun and shove aside.

It’s not like the medical condition is contagious, or will by some mysterious process of osmosis spread like a viral wildfire merely by standing next to you; but that is how it is perceived and attributed.  When a medical condition impacts one’s ability to perform the essential elements of one’s job, whether the person is a Federal employee or a U.S. Postal worker, the palpable sense of ostracizing begins immediately.

Loss of productivity; being placed on a PIP; developing a reputation for being on the wrong side of an agency’s favor; these are all of the ills which portend; and the greater the degree of avoidance by fellow workers, the increasing pressure of evidence to begin the process of preparing, formulating and filing for OPM Disability Retirement.  Federal Disability Retirement is a process which can take many months, and is ultimately filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

The inevitable is written in the rosters of future events; avoidance merely delays that which will come about, anyway; and procrastination exponentially compounds the cumulative problems aggregated by neglect.  Thus does avoidance work to wound, and rarely to enhance, the fragile future of the Federal or Postal employee in securing one’s financial stability, by filing for Federal Disability Retirement benefits through OPM.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Attorney: Farmer’s Market

They have cropped up everywhere, and have become popular sites where suburbanites can sense a closer connection to the food they put on their tables.  But as with all seasonal exchanges, the level of interaction is based upon the changing environment, the availability of produce, and the trending nuances of health, life and manner of living.

In the wintertime, the abandoned stalls and the empty inventory tells of a change of seasons.  We walk, observe, pick and choose, and if the color of the tomato doesn’t quite seem right, we pass by with nary a nod, or word of silent question mark.  Which side of the Farmer’s market are we on, in any given day?  Are we the seller of produce, or the buyer of selective goods?  Do the seasons change, and the temperatures ebb and flow, and are we malleable like the sea breezes that touch upon a morning surf?

Federal employees and U.S. Postal workers often feel the interchangeable position, and the vulnerability on any given day, based upon the changing of seasons.  Federal and Postal employees who suffer from a medical condition, such that the medical condition impacts one from performing one or more of the essential elements of one’s job, are likened to Farmer’s markets which come and go, and who set up stalls for selling of goods and produce, or were once like visitors looking for something different than the frozen foods at the chain supermarkets.

Once, the sense of being in control prevailed — whether in displaying one’s produce as the seller, or as the consumer choosing based upon the look of the fruit or vegetable.  Then, suddenly a medical condition comes into play, and options seem to diminish; whether from the perspective of the merchant, or of the buyer, you can’t seem to last the season in either role.

The option of 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 something that becomes a necessity for the Federal or Postal employee who suffers from a medical condition which prevents one from performing the essential elements of one’s Federal or Postal job.

Like the changing of seasons, it brings to the fore the availability of one’s “product”, and makes of one the onlooker who doesn’t purchase, as well as the weekend merchant who tenders at the local Farmer’s Market, only to get back to one’s “real job” of toil and turmoil, like the rest of society who must contend with the forces of nature’s changing seasons.

Sincerely,

Robert R. McGill, Esquire