Disability Retirement for Federal Government Employees: The rate of return

At what point does the rate of return diminish to the extent that it is “no longer worth it.”?  And, what is the “it” referring to?  Is it the effort expended in contrast to the compensation received?  Is it the dividends paid upon an investment ignored?

Often, in all of the contexts just described, the focus is upon the wrong point; it is not the “end product” or the final sum that should determine the worthwhile aspect of the “rate of return”, but rather, the key term overlooked — not the “return”, but the “rate”.  One might argue that the two essentially are the same, inasmuch as the “return” (the sum received) is determined by the “rate” (the calculus that determines).  But are they?  Doesn’t it depend upon what context it is being applied to?

Certainly, when conceived of in a traditional investment category, the final sum received can be backtracked to the rate that has been applied; but what about other, more non-traditional contexts, such as friendships, work — even marriage?  Or does one never apply such cold-hearted calculations when discoursing upon the arena of human relationships?  Can we so easily drop friendships and end marriages based upon the same criteria applied in changing investment firms?

Come to think of it, our own lack of active interest is probably the single biggest reason that marriages and friendships last — because, like those investments that we allow to remain because we are too lazy to take an active interest in, many remain in marriages and friendships well beyond the love that has been lost long ago, or the affection that has waned all too subtly; for, in the end, it is our own laziness and lack of motivation that allows the fallowed pastures to let life slowly die in the uncaring tenements of thoughtless stupor.

For Federal employees and U.S. Postal workers that suffer from a medical condition, such that the medical condition begins to prevent the full performance of one’s positional duties and the essential elements of the job, the conceptual paradigm of the “rate of return” should be applied in contemplating whether or not to file for Federal Disability Retirement benefits.

Surely, the Federal Agency or the Postmaster is thinking along the same lines — is he/she getting the job done?  Can I get more out of someone else?

That is the Agency’s perspective; but what about yours?  Such questions as: Is my health going to improve by remaining?  What will the future options be: remain, resign or file for Federal Disability Retirement benefits?

If the first and second choices are no longer real options, then the third one is a necessity, as it becomes clear that the rate of return is no longer a worthwhile investment to remain in a job that clearly is destroying any semblance of one’s quality of life — and that, in the end, is what the purpose of the investment was all about to begin with.

Sincerely,

Robert R. McGill, Esquire

 

Lawyer Representation OPM Disability Retirement: Of who we are

Once, it was not a valid question; or, at least not one in which most people were concerned about, unless you were born “out of wedlock” or an orphan shuttered in some institutional hideaway relegated to be humble and taught to forever be thankful for even being alive.  Upon a time now gone, the name by which we were called, the reference to the parental lineage — “Oh, that’s Tom’s youngest” or “She’s Minerva’s middle-‘un” — was enough of an identifier, and we were satisfied with the parochial ways in which we saw ourselves.

Perhaps there were those unique circumstances — of a hushed past where secrets of a shamed love affair produced that “unwanted child” who was brought up by an eccentric aunt who neither cared about public opinion nor made judgments about the grown-up acts and misdeeds now forgotten long ago; but of the rest and the mediocre lot of us, we were just content to remain in quiet anonymity and not invite the ire of societal condemnations.

Now, of course, we do a swab-test, purchase a “kit” and decipher the mysterious genealogy of that twisted image we grasped on to from our school days when science was a muddle and instruction was something to survive — of that “DNA” conundrum that has pervaded the lexicon of our daily lives.  And yet, we still rely upon human frailty — we trust in whatever test results are determined.

If it shows that we are more Irish than of Slavic descent, we abandon our belief in the latter and rush to the nearest pub to declare our ancestry; and if the little molecules within the cellular structure of our essence says that we are distantly related to Abraham Lincoln, why, we puff out our chests and say, “Imagine that!”

All the while, we pay homage without questioning the accuracy of some lab in some corner of the world that says that physical evidence is irrefutable; that statistical analysis cannot be doubted; and that the Age of Science cannot deter the memories handed down from forefathers who created myths and folklores that allowed for the imagination to soar.  Of who we are has become a clinical analysis enslaved by what we are told.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition is beginning to impact, prevent or otherwise impede performing the essential elements of one’s Federal position or Postal Craft, Supervisory role or administrative, physical or cognitive-intensive labor, the concept of who we are is often intimately bundled deep within the psychological recesses of what we do.  But that is a false paradigm.

If you are willing to sacrifice your health upon the altar of what you do, it reflects poorly upon who you are.

In the end, the benefit of a Federal Disability Retirement is not determined by the amount of annuity to be received, but by the priorities placed — your health, which indicates the essence of who you are, as opposed to a DNA analysis of what your cellular structure reveals, and least of all by what you do.  Of who we are is determined more by the wise decisions we make than in the work of the world as determined by others.

Sincerely,

Robert R. McGill, Esquire

 

Lawyer Representation Federal Disability Retirement: Biding time

Inmates in correctional facilities do it; criminals in wait; patients in doctor’s offices who have been informed that there will be a short delay because of an emergency procedure that the physician had to attend to; and most of us in general who live life anticipating disasters, tomorrow’s unfortunate events or the next day’s calamity to come.

We all bide our time in living our lives, and it is the time of biding that is wasted away until, near our deathbed, the expected outcome of disaster never came, the calamity never developed and the corrosion of life never materialized.  It is one thing to wait on another person; another altogether to engage in the patient virtue of sitting motionless or passing the time away in anticipation of something beyond; it is quite another, and perhaps unique, that human beings actually actively engage in the activity of “biding time” in order to start a process.

Vengeance often takes biding of time; planning for a future definitely requires biding time; and old men and women in nursing homes have nothing better to do than to bide one’s time.  To live life biding time, even at the horizon of one’s twilight in elder states of despair, is no way to exist.

For Federal employees and U.S. Postal workers who are beginning the process of, have already begun the procedural steps to, or otherwise are in the middle of the administrative process of preparing, formulating or filing a Federal Disability Retirement application with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the key to “biding time” during this complex administrative process is to have “a plan”.

It is a long, arduous, difficult and time-consuming process.  Even after it is successfully filed, the time waiting upon a decision just at the First Stage of the administrative process can now take a very, very long time, and how one plans to bide one’s time during this long process is something one needs to consider.

Will you remain on LWOP during this time?  Will you resign, get terminated, and will you work at a private-sector job while waiting for OPM’s decision?  Will temporary loss of health insurance be a consideration?  If it is denied at the Initial Stage of the Federal Disability Retirement process, will that mean that you can endure the lengthy second Stage, the Reconsideration Stage?  And if you have to go and have a Telephonic Hearing before an Administrative Judge at the U.S. Merit Systems Protection Board, which will take a minimum of 120 days beyond, will that still be within the plan of attack in biding time?

Hopefully, one’s Federal Disability Retirement filing with OPM will go smoothly; but in the event that all of the proverbial bumps on the road are encountered in your particular journey, it is important to consider the extent of biding time during the process.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Little battles fought

It is the minor skirmishes of life that maintain the vitality of everyday existence; they are fought in preparation for the greater battles and campaigns.  That is why a ‘strategy’ is important; otherwise, taking the same hill countless times in a day leads one to wonder what the greater plan is.  For, futility and the sense of meaninglessness are what defeat any motivation to continue.  Incentives for advancement; a sense of growth and an optimism for the future; these and other values are what one fights for, engages in skirmishes, and those little battles that are fought with a worthwhile sense of gaining something.

Medical conditions, especially of a chronic kind, tend to diminish the will to fight.  They not only weaken and debilitate; they begin to eat away at any sense of accomplishment and striving for those valued goals.  It is, in the end, a sense of hope for which we all fight the little battles fought; otherwise, the major wars would fail to be worthwhile.

Medical conditions are the “unfair” factor in any war, sort of like roadside bombs planted in this new war of hit-and-run attacks.  They often come upon one slowly; and whether in a sudden, traumatic event or evidencing a slow progression of debilitation and subtle changes over a period of days and months, the insidiousness of not knowing how to battle it, of doctors telling of being patient, of medications themselves sometimes having worsening side effects that complicate, exacerbate and exponentially magnify in frequency, severity and other realms of wounds endured – these all cumulatively combine to create a sense of frustration like fighting an enemy you cannot see and will never be able to actually “fight” in the traditional sense.

That is why 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, is an important step in those “little battles fought” – for, unless the little ones are taken care of, the large ones that loom ahead may not be properly engaged in.

Reorganizing priorities; focusing upon one’s health; determining the future course of relevancy; these are all part of the metaphorical battles to be fought, but for the individual who experiences the medical condition and specifically for the Federal or Postal employee who must consider filing a Federal Disability Retirement application, they are no less real than the sudden devastation of a roadside bomb exploding beneath one’s Humvee.

Sincerely,

Robert R. McGill, Esquire

 

Federal Gov. Disability Retirement: Of dreamers and doers

There is a time for dreaming; of mental wanderings into wafting willows of soft surfs, where the ebb and flow of moonlit sparkles in the quietude of motionless tranquility pervades like the morning mist in weightless calm.  But in a world where action, doing, accomplishment and “getting ahead” constitutes the springboard of recognition and rewards, the temperament of timeless thinking rarely is allowed, and with grim furrows of brows judging with severe penetration of unforgiving eyes, the dreamers of the world survive at the behest of small windows of tolerance.

Of dreamers and doers, they span the spectrum between creativity and accomplishment, betwixt imagination and construction, and within fiction and fact.

There is a time for everything, and King Solomon knew well the appropriateness of matching the circumstances of the world to the plans of a future king.  For most of us, the time is now.  Dreamers who dream beyond the pinnacle of sleepless nights fare only at the behest of those who race ahead.

For Federal employees and U.S. Postal Workers who suffer from a medical condition, the need to act, to prepare, formulate and file an effective Federal Disability Retirement application with the U.S. Office of Personnel Management, becomes more and more of an urgent need, concurrently with the time when the injured or medically incapacitated Federal employee wants to curl up and hide in the womb of dreams.

Life is hard; and while the state of dreaming allows us to momentarily escape the harshness of the world, we awaken with a sudden start, and realize that the dream shattered was merely a land of imaginary hope; doing is what accomplishes, and for the Federal and Postal employee, whether under FERS, CSRS or CSRS Offset, it is the concrete steps taken which will allow one to attain that conclusion of restorative prairies, where one can attend to the medical conditions and be free to dream for tomorrow.  Of dreamers and doers; it is to engage the latter, in order to have the time for the former.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Identifying the Substantive Significance

We all know people who meander; whether aimlessly, or with thoughtful purpose, but in a circuitous manner belying of deliberate direction.  Instead of focusing upon the subject matter discussed, perhaps the creative impulse within constantly distracts, and so the splatter and spew of words and sentences are never formulated into a singular track from Point A to Point B, but rather, like the dow jones graph of recent phenomena, directionless outputs traversing the entire spectrum of possible ideas to touch upon.

Such creative constituents of unconventional thought processes make for interesting lives; if everyone spoke in formulations of straight methodological contents, science would rule the universe, and statistical boredom would control the monotony of the daily drone.  But recognizing the substantive core of a subject can be necessary, at crucial moments; identification, formulation and focus upon that which is significant, as opposed to peripheral matters which may be of importance in a personal manner, but irrelevant in the context of the business world or technical endeavors, cannot always be overlooked or dismissed merely for the sake of upholding creativity or charm.

The bomb expert attempting to deactivate the explosive mechanism cannot wander in thought from the task at hand; identification of that which is substantively significant must always be the primary focus of the detail, and wavering from that course of thought-process may have more than mere theoretical consequences and repercussions.

For the Federal employee and the U.S. Postal worker who suffers 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 positional duties in the Federal agency or the U.S. Postal Service, the need to file for a Federal Disability Retirement application with the U.S. Office of Personnel Management, whether the Federal employee is under FERS, CSRS or CSRS Offset, requires a level of focus, concentration, and capacity to identify the core issues to be discussed, and to create the proper legal nexus which satisfies the multiple criteria required in order to meet the eligibility mandates delineated by OPM regulations and laws.

As with every endeavor of life, preparing, formulating and filing for Federal and Postal Disability Retirement benefits through OPM is never merely a logical algorithm of mathematical precision; yes, it involves a level of creativity, especially because it must inform the OPM specialist of the narrative of the medical condition and its impact upon one’s professional and personal life.  But in the end, the Federal employee and U.S. Postal worker must be able to identify the substantive significance of the facts, the law, and the coexisting intersection and interplay between the two, in formulating an effective Statement of Disability as prepared on SF 3112A.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Medical Retirement: The language of law

Wittgenstein recognized that there exists various forms of languages within a community of a shared language — with words everyone understood, sentences all were familiar with, but the usage and meaning of which were unique to a particular group or set of individuals.  Such comity of meanings and esoteric application of language were designated as “language games”.  Information Technology groups have their own set of insulated meanings; advertising agents, insurance companies, and children who form an exclusive club may formulate within-community code words exclusive to the group alone, and alien to all around.

What, then, is the language of law?  Certainly, analogy and hypothetical models of similar situations and transactions are a part of it; and the methodology of argumentation is to show the familiarity of classes of subject-matter issues and identical-sounding situations which penetrate the judge’s capacity to accept and anticipate precedent-setting citations of prior acts.  Why the language game of the legal arena accepts as a primary basis of interaction similar-sounding prior fact-scenarios is often a mystery to “outsiders” (i.e., non-lawyers), and confounds with frustration the enormous expenditure of time and money in engaging such circuitous narratives of persuasive argumentation.

What about my case?  What difference does it make whether or not a decades-old case applies in an analogical manner to the facts at hand?  But that is precisely the point of the language of law; for, it is consistency of application and perpetuation of stability which makes for reverence for “the law”.  Arbitrariness and malleability creates suspicion of motives, and justice requires the fair constancy of applying “the law”.

This is important to understand in all arenas of the “language game of law”, and for Federal employees and U.S. Postal workers who may need to entertain the potentiality for filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal employee or U.S. Postal Worker is under FERS, CSRS or CSRS Offset, the entrance into “Administrative Law” (which is what filing for Federal Disability Retirement benefits through OPM falls under) is no different.

Precedent-setting cases develop over decades and epochs of lifetimes; and whether the OPM Disability Retirement applicant is aware of it or not, the compendium of rules, regulations and decision-setting conclusions are all guided by, constricted within, and influenced throughout, by prior cases handed down by judicial opinions rendered “on high” by administrative law judges and Federal Court of Appeals mandates.

Should case laws be cited in the submission of a Federal or Postal Disability Retirement application?  As the law is the hinge upon which society survives, so the question of persuasive argumentation may live or die based upon the vocalization of precedents.  But always remember that the language of law is a specific type of language game, and the exclusive club of legalese requires some training of usage, where applicability may sound like gobbledygook unless formulated with an ear towards coherence within the insular language game of law.

Sincerely,

Robert R. McGill, Esquire