CSRS & FERS Medical Disability Retirement: Cumulative Impact

In economics, the concept of cumulative growth is important in understanding the progressive and incremental increase, no matter how minimal in the short term, over decades and centuries upon an individual’s and the greater society’s wealth accumulation.  It is based upon the theoretical construct of cumulative growth that fortunes are created and retirement wealth is amassed.

Flat sorting machines at USPS distribution centers

Repetitive type of injuries are common when working with Flat Sorting Machines at USPS distribution centers

As a hypothetical parallelism, what consequence would such incremental but cumulative impact have upon one’s health and well-being?  If repetitive physical stress of a seemingly insignificant quantity were to impact a wrist, a knee, a shoulder, etc., would such de minimis physical pressure acquire a different result years and decades down the road?

Is it not tantamount to radioactive exposure, where the human tissue or organ can have effective resistance to contained amounts, but over time, can begin to deteriorate and cause tumors and mutated cells resulting in cancer? Or like the prisoner who digs his way out of prison with a pen knife — one scrape at a time until a hole large enough to accommodate one’s head and body is created over months and years? Or of stresses resulting in anxiety and panic attacks; perhaps at first a twinge of needle pricks, then after months and years, an overwhelming inability to breathe properly, until reactions of the need to take sudden flight, or paralysis of muscle movements and an inability to speak or move?

Maintaining poor sitting postures for long periods of time

Maintaining poor sitting postures for long periods of time may increase the risk of developing musculoskeletal disorders (MSDs)

For Federal and Postal employees who have had a long and productive career with the Federal Government or the U.S. Postal Service, the mystery of cumulative impact upon one’s health, through repetitive, incremental, and insidious influences withstood over time, often results in self-denial and a sense of failure.  But there is a limit as to what the human body and psyche can take on.

Federal Disability Retirement benefits are simply an employment component offered to all Federal and Postal employees, whether one is under FERS or CSRS, filed ultimately with the U.S. Office of Personnel Management, and is merely an intelligent recognition by the Federal Government that the limitations of human invincibility can be addressed by allowing for a change of careers, by providing for a foundational security to one’s livelihood. Federal Disability Retirement — a viable option in recognition of the age-old concept of cumulative impact, both in economics and in the complex world we occupy.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: The Semblance of Joy

Happiness is but a fleeting moment; satisfaction is but the natural result of completion; but joy, that is a tincture derived from the depths of one’s soul.  Perhaps there is an element of word-play; how we define levels of emotional states of being can depend upon the contextual usage of each conceptual construct, and in the end it is how we have described a given set of circumstances, based upon our personal experiential encounters and what sense of being we perceived at the time.

Beyond the veil of words, casting aside the layers of callouses which we have carefully built up over the years in order to survive the daily onslaught of venom in this world lacking of empathy or cooperative caring for one’s fellow human being, it is when a traumatic event suddenly befalls us that the true state of our souls becomes apparent.

Medical conditions have a tendency to magnify the reality of our state of existence.  Suddenly, perspectives become skewed; realities once depended upon appear suspicious; and we begin to lie to ourselves and take on a semblance of joy.  Why is that?  Is it because we fear the truth of human cruelty?  That despite all of the allegedly cultural advancements and technological innovations we pride ourselves about, the truth of our evolutionary baseness has never changed:  the vulnerable are merely meals for the predator in waiting.

For the Federal employee and the U.S. Postal worker who suffers from a medical condition, such a state of affairs is nothing new.  Agencies begin to pile on; coworkers shun; supervisors increase the level of vitriol and punish through administrative sanctions and progressive pressures through threats and intimidating language; and, all the while, the dedicated Federal or Postal worker must suffer through with limited options and constricted avenues slowly being blocked and cordoned off as restricted zones no longer open, where once the brightness of tomorrow promised the world.

For Federal and Postal employees finding themselves in the untenable position of having a medical condition, such that the medical condition is preventing him or her from performing one or more of the essential elements of one’s job, it may be time to consider 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.

When once the Federal or Postal worker comes to a realization that the bet upon happiness cannot be placed upon one’s employment or career, and where satisfaction is no longer a possibility with the mission of an agency; when the exhaustion and fatigue of hiding behind the semblance of joy begins to constrict and close in, like the human figure behind a Noh mask covering the claustrophobia of existence; then, it is time to consider taking on the long road of preparing, formulating and filing for Federal Disability Retirement benefits, whether you as the Federal or Postal employee are under FERS, CSRS or CSRS Offset.

Sincerely,

Robert R. McGill, Esquire

 

Medical Disability for Civilian Federal Employees: The Inactivity

Waiting upon a third party or entity is often the hardest thing to do.  Waiting upon a bureaucratic process is an exponential aggravation of that same hardest thing to do, because one cannot fathom a reason or rationale for such dependency of unproductive time.

If there was actual knowledge of some accounting for activity during the process, it would perhaps justify the inactivity; but merely awaiting the sequential attendance of a case file which may or may not be reviewed on any given day, is a non-activity of an unknown and unknowable non-productivity of non-action. The result: frustration.

Now, one may argue that the voluntary submission into the world of bureaucratic waiting means that one has received that which was asked for; but this merely explains the cause, and solves nothing.  Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether under FERS or CSRS, is an administrative process which, unfortunately, requires patience, waiting, and a resolve that there will be an ultimate end to the process, given the right amount of time.

Then, of course, the Federal or Postal employee who is subjected to the long wait, must immediately comply with the time-limitations imposed if a denial of a FERS or CSRS disability retirement application is issued by OPM.  When it is upon them, the Federal and Postal employee must be patient; when it is upon us, there are strict time limitations which must be followed, or else…

The bureaucracy moves, albeit at a pace designed to test the patience of saints; but then, the old adage applies as always, that Federal and Postal Workers are the most virtuous of human beings, given that patience is still considered a virtue.

Sincerely,

Robert R. McGill, Esquire

 

OPM FERS/CSRS Disability Retirement: To Be a Squirrel, for a Day

Watching them is an exercise of fascination; with nimble flight, to jump from a rooftop to the tip of a branch 10 feet away; scurry up and down trees with little thought (or is that merely a human projection without justification?) and no hesitation between the daredevil act and the graceful landing; and then to sunbathe in the midday warmth on a protruding ledge of the fence.

What a carefree existence; or so it would seem.  For, upon an extended observation, one realizes that there is never a moment when the squirrel is unaware of its surroundings, and that the anxiety-filled existence of human beings is not too different from that of the animal kingdom from which we conceptually separate ourselves, but of which reality forces a recognition of kinship.

One wonders how the ordinary individual can survive the daily stresses of life; but in turning to an uncomplicated animal such as a squirrel, you quickly realize that we are created as a bundle of stress-resistance nerves.  For the squirrel, the probability of a predator ready to pounce requires a heightened spectrum of awareness that approaches constant vigilance.  For the individual human being, the technological, artificial, but nevertheless just-as-real “stressors” of stimuli which require minute-by-minute responses, are readily received by the evolutionary adaptation first developed in the dangers of wildlife.

Thus, it is little wonder that when a medical condition hits an individual, the quickened pace of deterioration and progressive chronicity of the condition turns to debilitating impact.  By then, the stress-overload has reached its maximum impact.

For the Federal and Postal employee who is beset with a medical condition such that one must contemplate filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, the time between the onset of the medical condition and the need to file is often short.  This should not be surprising, given that the Federal and Postal employee has often ignored or otherwise overcompensated for the warning signs of impending consequences.

OPM Disability Retirement can take some time to obtain.  Whether under FERS or CSRS, every Federal Disability Retirement application must be filed through the U.S. Office of Personnel Management, and the waiting time tends to be arbitrary, but in each case, somewhat lengthy.  Given that, once the crisis point of “needing” to file has been identified, it is important to take the next giant step and initiate the process.

And, like the squirrel of whom we imagine is merely frolicking in the sun, the lack of outward appearance of a need is never the true indicator of what is going on underneath.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Medical Disability Retirement: The Universe of the Possible (Part II of II)

When avenues are closed off, the human psyche tends to shut down; and when grounds manifest fertile regeneration and bountiful splendor, the endless state of the possible opens like the gaping eyes of a child in excitable wonderment.  That is why internet companies attempt to artificially recreate atmospheres of creativity and prior glory days of unbounded imaginations.  But whether simulating a couch plopped in one’s basement or garage, and making it appear as if the environment is similar to those past dawns of tinkering with one’s imagination in the unheated, primitive conditions of one’s youth, is questionable.

For the Federal and Postal employee who is faced initially with a medical condition, such that the medical condition impacts one’s ability to continue in the vocation and career choice of one’s following, the limitations which the present condition places upon one’s future often seems daunting.

But there are options available.

Federal Disability Retirement allows for those options to open up; for, once the Federal or Postal employee obtains an approval for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, that (now former) Federal or Postal employee may go out into the private sector and earn up to 80% of what one’s former position currently pays, on top of the Federal Disability annuity. Many start their own businesses; others perform consultative work or work part time, thereby controlling the stresses and the extent of activity able to be tolerated within the restrictions of one’s medical conditions.

The avenue of the possible can only reopen once you recognize the reality of the probable; and in order to tap into the fertile imaginations of a brighter future, the roadblocks once observed must be moved in order to travel down the path of viable alternative routes.

Sincerely,

Robert R. McGill, Esquire

Getting Disability Retirement when Working for the Federal Government: The Sanctuary

They are artificial pockets of safe havens; deliberately set aside, we hear of them as “wildlife refuges”, “bird sanctuaries”, and similar anomalies created for other species, but not our own. It is perhaps a testament to human beings that we care so much for the protection of other species, with little regard for ourselves.

But sanctuaries, by their very definition, are important for the preservation and longevity of each individual and the greater genus of one’s species; whether a temporary sanctuary set aside as a sacrament to be guarded; a day of sabbath fenced off from all other days; an interlude of quiet reading, listening to music, or merely enjoying the company of one’s spouse, relatives or friends; a mind, body or soul preserved, to ready one’s self to face the harsh realities of the world of business, finance, competition and combativeness.

For Federal and Postal employees who face the added realities of a medical condition such that the medical condition begins to threaten one’s ability to continue in one’s chosen career field, the option of attempting to secure a more permanent sanctuary by filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is available so long as certain minimum requirements are met.

For FERS employees, the Federal or Postal Worker must have a minimum of 18 months of Federal Service. For CSRS employees, the Federal or Postal Worker must have a minimum of 5 years of Federal Service. Beyond that, there are complex statutory guidelines which must be met, which are a combination of medical, legal and factual criteria which must be proven by a preponderance of the evidence.

Throughout the administrative process, one must always attempt to create and preserve that cognitive and emotional sanctuary in order to survive the battles ahead; as wildlife preserves require careful planning, so such efforts should similarly be applied to protect the value of the human species.

Sincerely,

Robert R. McGill, Esquire

FERS & CSRS Disability Retirement for Federal and USPS Workers: Subtraction

The principle of abundance implicates progressive and unending addition, resulting in the exponential explosion of accumulation; and in a society which preaches acquisition as the hallmark of success, the reversal of that idea — of subtraction — is anathema and constitutes a failed life.  Subtraction is to do without; and the reduction of acquisitions is considered tantamount to failure, where success is measured in terms of the quantity one possesses.

The young man begins life with little more than change in his pocket; and from there, the trajectory of what is considered a qualitative life means that there is always addition, as opposed to subtraction.  That is why it is difficult to accept stoppage, or negation, and lessening; because the normative value we accept from the beginning is tied to accumulation.

For the Federal and Postal Worker who suffers from a medical condition such that the medical condition begins to impact one’s ability to progress in one’s career, it becomes a difficult time because sacrifices must always be made, and the negation of progressive accumulation becomes a fact of life.

But one must always look upon such events in their proper perspective, and filing for Federal Disability Retirement, whether the Federal or Postal Worker is under FERS or CSRS, through the U.S. Office of Personnel Management, is often the first positive step.  It is the stoppage to the trajectory of decline, and allows for the Federal or Postal Worker to stabilize a chaotic situation, and to move forward with some semblance of financial security, and the hope that a new career or vocation may be entered and engaged down the road.  For, Federal Disability Retirement allows for the annuitant to earn income up to 80% of what one’s former Federal or Postal position currently pays, in addition to the receipt of one’s OPM Disability Retirement annuity.

Subtraction for the Federal or Postal employee need not be forever; to live without is merely a temporary situation, and the trajectory of the modern success principle may be reinvigorated yet.

Sincerely,

Robert R. McGill, Esquire