Tag Archives: disabilities insurance for civilian federal government employees

Postal & Federal Disability Retirement: Sufficiency

Sufficiency is the area of opinion and dispute and reaches just beyond the more certain standard of necessity.  X may be necessary , but is it sufficient?

In a basketball game, it may be necessary to play defense, but is it sufficient?  For, if you prevent the opposing team from scoring, but your own team fails to score any points, you may have satisfied one necessary aspect of the game but simultaneously have failed to sufficiently satisfy another, integral aspect — that of offensive scoring of points.

Similarly, in a legal case, while you may meet the necessary formal requirements to win a case, the question remains open as to the sufficiency of the evidence to persuade a jury as to the size of a compensatory award, or whether it was persuasive enough to cast sufficient doubt in the jury’s mind.

Necessity thus becomes the minimal satisfaction whereas sufficiency is the battleground where leeway is given as to whether the quality or quantity satisfies the extent beyond the minimum criteria met.

In a Federal Disability Retirement case under the FERS system, this is the area where the U.S. Office of Personnel Management will focus upon in denying a FERS Disability Retirement case.  They will make such generalized statements as, “While we do not dispute the existence of your health conditions, there was insufficient documentation to establish that you are disabled from performing the essential elements of your position.”

How does one rebut OPM’s argument from insufficiency?  Is it a qualitative or quantitative insufficiency?

That is the question and area of law where it becomes an art form more than a science, and only experience and years of knowledge can discern the underlying requirement needed.  There is no one “right” answer.  Sometimes, faxing to OPM a voluminous amount of treatment records is the only way to meet the “sufficiency” test, but more often than not, it is the quality of a medical report prepared by the treating doctor which is the only means of satisfying the sufficiency criteria.

As with all things in life, areas of dispute rarely have a single answer, precisely because the very nature of disputation involves issues that reach just beyond the point of certitude.

Thus, in responding to the question of sufficiency, you may want to contact a FERS Disability Attorney who specializes in Federal Disability Retirement Law, and who has the experience and background in addressing the issues of sufficiency beyond mere necessity.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

FERS Medical Disability Retirement: Larger Than Life

Every culture paints the picture of the mythological character, woven into the fabric of stories told, of narratives given, of heroes and heroines looming larger than life.

Of Caesar, Jefferson (somewhat cut down to size in recent years); of David versus Goliath; Patton and his 7th mechanized Army, beating out Montgomery and the 8th Army in the race to Messina; of a recent leader (who will be left unnamed) who was once a reality-T.V. star and now mythologized for his excesses; and although you may disagree with everything the “larger-than-life” figure may represent, you cannot avoid the fact that every culture, all countries, all around the globe and throughout history, have created, fostered, maintained and eulogized anointed figures at the altar of idol worshippers.

Perhaps it is a necessary prelude, or at least an ingredient, for any civilization; that, by creating such characters and caricatures, we can better deal with the regular humdrum lives which most of us experience.  We say to ourselves, “Well, if David could have slain Goliath, then surely I can solve my own insignificant problems!”  Or, has it had a reverse, negative effect?  Of saying, “Yes, but I am not a Marvel-comic book hero; I can’t flight or zap my enemies with a thunderbolt; for goodness sakes, I can’t even pay my rent”?

And then, when a medical condition suddenly appears on the horizon — and in the end, all medical conditions are “larger than life”, precisely because many of them can defeat one’s life — it can result in devastating consequences.

For Federal employees and Postal workers who suffer from such a medical condition where it appears that the medical condition will necessitate the end of your Federal or Postal career, you may need to contact a FERS Disability Retirement Attorney who specializes in Federal Employee Disability Retirement Law, where the “larger than life” bureaucracy of the U.S. Office of Personnel Management may need the specialization of a FERS Lawyer who can contend with the Leviathan of a Federal Goliath, with a few smooth legal stones to cast at its heartbeat.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

Federal Employee Disability Retirement: The Focus of Things

Paintings, photographs, artwork of any kind — the author, artist, poet or photographer often wants you to focus upon certain things.  The background, the context, the foreground left unfocused; or, of a certain object, person, entity or subject which is the primary point of the display before you — was it deliberately intended, or was it an accident?

Sometimes, by mistake, an accidental capture of an unintended incident or subject which was not originally the focus of things to become prominent, is suddenly recognized as being more important or relevant than first thought.  But that is a rarity.  The focus of things is normally an intended act.

Thus, in a Federal OPM Disability Retirement case, the U.S. Office of Personnel Management will deliberately focus upon certain issues.  Why is that?  To try and defeat and deny a FERS Disability Retirement application based upon what they believe is the “winning” issue for them.

From the Applicant’s perspective and viewpoint, the focus is often quite different.  And, of course, there is a difference in focus between being a “patient” of a medical condition trying to get better, and being an applicant for a FERS Disability Retirement annuity.

It is, in the end, the focus of things which can make a difference, and the reason why you need a lawyer in order to obtain Federal Disability Retirement benefits is precisely because the focus of things is quite different — as in, an advocate for your Federal Disability Retirement application can make the difference between a focused approach and an unfocused one.

Sincerely,

Robert R. McGill
FERS Disability Attorney

 

Medical Retirement under FERS & CSRS: The Gathering

They come from afar, and wide across the expanse of multiple cities, towns, and whether from rural areas or suburban neighborhoods, the criss-crossing of America is a tradition reserved for those special holidays where families gather, friends reminisce and relations pick up where old memories had left off.  “The Gathering” may be a once-yearly event, or perhaps a couple of times, and only once in a decade moment; however often, whatever the occasion, it is a time of recollection, reminiscence, restoration and rejuvenation.

Sometimes, even a gathering with people you hardly knew, or didn’t particularly like, is enjoyable enough, and though you might in the middle of the chatter say to yourself, “Why am I even here?” —yet, it is the mere presence of belonging that harkens one back to the lanes of memories that will not let go, like the dog that has locked its jaws onto your pant-leg and will not release you until you have finally relented.

Of course, there are other “types” of gatherings that are not so enjoyable or which bring a sense of warmth and joy — as in the “gathering” of Supervisors or Managers in conjunction with Human Resource Personnel who attempt to subvert, initiate adverse actions and conspire to make the life of a Federal or Postal employee a “hell on earth”.

Federal employees and Postal workers who suffer form 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 are at a stark disadvantage when it comes to filing for Federal Disability Retirement benefits: Often, the Human Resource Office of one’s own agency is neither helpful nor mindful of the confidentiality of even asking a casual question.

A simple question like, “What forms need to be completed in order to file for Federal Disability Retirement?” — may suddenly lead to a wildfire of rumors and innuendoes concerning one’s motive, intention and future plans, and suddenly the “point-person” becomes the pariah and a gathering of managers and supervisors suddenly materializes like a an unexpected dust storm in the middle of the Gobi Desert.

Not all gatherings are equal; some are for the happiness of memories recollected; others, a conspiracy to initiate adverse actions and to undermine the future plans of a well-intended act.  For the Federal employee or Postal worker who must begin to prepare, formulate and file an effective Federal Disability Retirement application, “The Gathering” one should be most concerned about is the one to which you were never invited, so beware of the things you say, to whom you say it, and when you make the query.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement from OPM: The chasm

It is that expanse between fantasy and reality; of the indentation after the existential encounter with the world deflates the puffery that enlivened us in the first place and compelled one to test his or her mettle against the greater world; and it is the test that withstands, as opposed to mere words that fail when pushed against the substance of the universe.

Virtue is great in a vacuum; it is only when it is tested against real temptations that one can decide upon its existence, or likely not.

One can say of a husband and wife who live on an island, secluded from the rest of civilization, that they are such a “faithful” people; but if not tests arise as to the faith of their fidelity, what good is virtue in a vacuum of an untested existence?  Or of the principled individual who enters into politics — you know, the allegorical “Mr. Smith who goes to Washington” — with innocence and an unstained character; of him or her, we begin with, “Oh, such a principled person!  So unspoiled!  So unable to be corrupted!” But the test of a person is not at the beginning; it is when the chasm between concept and the wide expanse towards reality is finally bridged; then, and only then, can we make any judgments about virtue, truth, reality and one’s character.

For the Federal employee and U.S. Postal worker who suffers from a medical condition where the medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, it is the reality of the current situation and the realization that one’s Federal Agency or the Postal Service, and the people who one worked/works with, that comes to the fore in realizing that, NO, the world is not such a nice and accommodating place.

Others begin to whisper; you begin to feel shunned; you are no longer the star that shines upon the face of an otherwise incompetent universe.  Filing for Federal Disability Retirement is often the best option available, if only because the Federal Agency or the Postal Service is unwilling to “work with you”.

The chasm between dreams unrealized and the ugly truth of others may finally be bridged; but in the end, the bridge that needs to be crossed is the health that is deteriorating, and that is why preparing, formulating and filing for Federal Disability Retirement benefits, whether you are under FERS, CSRS or CSRS Offset, is an important next step in closing the chasm between what you would like to have happen, and what must occur in order to secure a stable future.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: The Myth of Upward Progression

We like to think that life is represented by a linear curve of upward progression; in reality, most of us reach an apex, then remain static and content in the late summer years of our lives.  There is nothing wrong with such a state of affairs; as contentment and comfort embrace a spectrum of stability, so the refusal of change and resistance to vicissitude are not indicators of laziness, as once thought in former days of youth where transition, sacrifice and relinquishment of stability were necessary for purposes of future advancement.

Most of us, within a defined minefield of progress and regress, remain within an invisible glass casing of immobility.  Perhaps there is a major financial setback in a given year; or, a promotion or cash incentive award had not been achieved; but in the year following, or the next beyond, it is attained; or an unexpected windfall allows for greater stability least anticipated and most gratifying.

In a sense, we delude ourselves.  But so long as we remain within a constancy of comfort, where an appearance of major retrogression cannot be palpably discerned, contentment prevails, and the bother of breaking new grounds, moving to a larger house, taking on greater responsibilities, adding to headaches and stresses, can be quietly forsaken, left with the self-satisfaction that quietude is a byproduct of a goal once sought for, and achieved without fanfare or celebration.  It is when the bounds of contentment are scattered, the barriers of satisfaction crumbling, when the call to action is suddenly a turmoil of exoneration, and peace as shattered glass stepped upon in bare feet of bleeding souls, that affirmative movement must then be spurred, leaving behind those spurned opportunities once thought cumbersome.

Medical conditions have a tendency to create such circumstances of unrest.  For Federal employees and U.S. Postal workers who suddenly find that the chaos of inchoate situations developing because of a chronic and progressively deteriorating medical condition impacts upon the Federal or Postal employee’s ability and capacity to perform the essential elements of one’s positional duties, the possibility and need for 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, becomes a reality which disturbs and perturbs the quietude of living contentedly.

When a medical condition disrupts that glass bowl of satisfaction, the myth of upward progression becomes shattered, because suddenly all that one has worked to achieve may be in doubt.

Most of us are happy to just find that small oasis within the turbulent oceans of insanity we designate as “civilized society”; but for the Federal or Postal employee who must contend with a medical condition such that the medical condition threatens the very foundation of one’s hard-fought dreams and desultory circumstances, consideration needs to be given to preparing, formulating and filing for Federal Disability Retirement benefits through OPM, if only to resist the temptation that static circumstances are a foregone conclusion, or that the myth of upward progression cannot be defeated by planning for the next great adventure in this, a universe of turbulence of unexpected turmoil.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: The Cost of Character

Being daily denigrated is an expected course of treatment for some; for those who perpetrate it, the sport of demeaning is often thoughtless, reactive, and toxic to the core, and reflects a fundamental void in one’s own life; and for the victim of such caustic characterization, the incremental pounding to one’s ego, self-esteem and capacity for abuse results in diminishment of the identify of worth by small slices of reduced stature.  Such attacks may be overt and direct, while others may be subtle, privately targeted, and intentionally out of the earshot of witnesses.  In both cases, the damage can be devastating.

For Federal employees and U.S. Postal workers who must confront this type of daily abuse in the workplace, the avenues of outlet are complex and varied.  Complaining or filing lawsuits often results in the mere circling of the proverbial wagons around the perpetrators, and suddenly an invisible fence appears where the victim is the “outsider” and the caustic character the one needing protection.

For those Federal or Postal employees who suffer from a medical condition, and who receive the brunt end of such ill treatment because of the medical disability which impacts one’s ability and capacity to perform one or more of the essential elements of one’s positional duties, the need to deal not only with the toxicity of a hostile work environment, but concurrently with the underlying medical conditions, makes for an admixture of overwhelming circumstances.

Filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is often the best and only course of action left.  For, to stay becomes an untenable option which impacts and further deteriorates one’s medical condition precisely because of the toxicity of the environment; to walk away and do nothing is an act of idiocy, given the years already invested in one’s career; and thus the alternative of preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management becomes the most enlightened of choices to be made:  It allows for the recuperative period away from a denigrating source of pain, while securing a foundational annuity for one’s financial security and future.

We often talk daftly about “character” and the need to “stick it out” when the “going gets tough”.  But the cost of character is the price paid by the Federal or Postal employee who must withstand the onslaught of a bureaucracy which is faceless and relentless, while at the same time dealing with the deteriorating health administered by a medical condition which will not just go away.  The cost of character means nothing if the essence of one’s worth is not protected, and filing for, and securing, a Federal Disability Retirement annuity is meant to do just that:  pay for the cost, and safeguard the character of worth.

Sincerely,

Robert R. McGill, Esquire