OPM Disability Retirement: The OWCP Black Hole

Many people rely upon the “generosity” of FECA (OWCP) payments during the period of temporary total disability, and indeed, being tax free and paying 75% of one’s salary (with dependents) or 66 2/3% without, one can easily become reliant upon such benefits. But being on OWCP does not protect the Federal or Postal Worker from being administratively separated from service for extended absences, or for one’s medical inability to perform the essential elements of one’s job, or “unavailability for duty” or other similar basis, to promote the efficiency of the Federal Service.  The agency needs someone to fill the position and do the job.

Normally, at a fairly early stage in one’s period of enduring and suffering from a medical condition or injury, one can assess the nature, extent and severity of the medical condition.  With that in mind, it is a good idea to begin thinking about filing for Federal Disability Retirement benefits under FERS or CSRS.  The security of OWCP benefits is attractive; however, OWCP is not a retirement address.  FECA will “cut off” the benefits at some point — unless you are somehow lost in the black hole of their payment roster, which happens periodically.  However, there are too many horror stories of a Federal employee who stayed on OWCP, was separated from Federal Service, never filed for Federal Disability Retirement benefits within 1 year of being separated, and then one day received a fateful phone call…

Sincerely,

Robert R. McGill, Esquire

Federal & Postal Service Disability Retirement: Differing Legal Criteria

Similar benefits, at the State, Local, Private levels, and at the Federal level, each contain differing legal criteria for eligibility. Thus, for instance, Social Security Disability benefits require one set of standards of eligibility; private disability insurance policies require a different set of standards; and state disability benefits often differ from state to state.  This is of course true of Federal Disability Retirement benefits under FERS and CSRS — where the legal standard of eligibility is different from Social Security, Worker’s Comp, and State or private disability criteria.

Often, a question is asked whether a medical narrative report which is prepared for submission to the Office of Personnel Management can be used for submission for other “similar” benefits.  The short answer is, “It all depends”, but the long answer is that, in most cases, one must be very cautious.  When I represent a Federal or Postal employee under FERS or CSRS, one of the first steps in preparing a viable case is to request of the treating doctors a detailed medical narrative report.  One must understand that the treating doctor has, generally speaking, next to no idea as to the legal criteria that must be met under FERS or CSRS.  Furthermore, the treating doctor has no legal knowledge as to the differences between private disability insurance policies, State, Social Security, OWCP or FERS & CSRS.  It is the job of the Attorney to make sure and guide the treating doctors as to the criteria which must be met as to the particular and specialized field for which the medical narrative is being prepared.  This must be done with care, and with detailed guidance.

Sincerely,

Robert R. McGill, Esquire