FERS Disability Retirement Benefits: The Commonplace

Without it, there would not be the extraordinary; or, at least we would not notice it.  For, if all of X is Y, then there is no distinction between X and Y and the identity of X would be subsumed by Y, and conversely, the identity of Y would lose its distinctive identification.  Similarly, if everything is nothing, then nothing is everything, and as negation is the dominant gene, nothingness would prevail (or some such logical nonsense as that).

It is precisely because of the commonplace that the extraordinary can be identified; and yet, we never applaud the former but exuberantly place accolades and laud the latter.  Of course, when the commonplace becomes extraordinary, that is when we yearn for it — as when our lives are disrupted and torn apart, as in the war in Ukraine.  We identify with it because we can relate to it — of a nation enjoying the commonplace, and suddenly it is gone and replaced by the extraordinary, where the term “extraordinary” is used to describe the indescribable.

For Federal employees and U.S. Postal Service workers who suffer 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one or more of the essential elements of one’s Federal or Postal job, the commonplace of being healthy has now been replaced by the extraordinary of suffering from a medical condition, and it is because of this change that one’s “regular career” must now be replaced by a Federal Disability Retirement annuity under the Federal Employees Retirement System (FERS), through the U.S. Office of Personnel Management.

For, the commonplace (ability to continue as usual) is now the extraordinary (the effects from the medical condition itself), and the yearning for the commonplace is precisely because X has been subsumed by Y.

Contact a FERS Disability Attorney who specializes in Federal Disability Retirement Law, and get the commonplace back by replacing the extraordinary.

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 Employees Retirement System (FERS) Disability Law: Loss of a Cosseted Life

What does it mean to “take things for granted”?

Often, it is only when something is taken away that the value of the vanished item of vacuity vainly verifies the validity of its valuation.  Sorry for the alliterative illustration.  Similarly, the cosseted life is one where over-indulgence of protected care may have existed, and the sudden or gradual disappearance of that sense of security leaves one vulnerable and potentially open to harm.

Health, itself, offers the cosseted life; and loss of it, an overwhelming sense of vulnerability.

In youth, when health is so often taken for granted, we are apt to embrace challenging and silly endeavors.  We might jump out of planes, for instance; or engage in other acts of mindless stupidity.  We expect failing health in the metaphorically twilight days of our lives, but when it occurs in the middle years, it often catches us off guard, and the loss of a cosseted life is felt all the more fervently.

For Federal employees and U.S. Postal Workers who suffer from a medical conditions such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, the sequence of dealing with the loss of that cosseted life often follows a familiar pattern — First, attend to the medical condition; Next, try and accept the available treatments such that a return to a level of functionality may be attained where your Federal or Postal career can continue.

Then, if the medical condition reaches a level of chronicity such that it becomes clear that you will not be able to perform all of the essential elements of your Federal or Postal job, contact a FERS Lawyer who specializes in OPM Medical Retirement Law.  For, in the end, the loss of a cosseted life should never be the end of something, but rather the beginning of a different phase, a varying period, an alternate condition, and a future still available for adaptive living.

Sincerely,

Robert R. McGill, Lawyer

 

How much OPM Disability Retirement Pays?

“What will the benefit pay?”  That is often the primary concern of a Federal or Postal employee who must consider filing for Federal Disability Retirement benefits through the Federal Employees Retirement System (FERS), and it is certainly a valid first question.

The greater concern that cannot be overlooked, however, is the one that involves calculating the cost of NOT filing.  In the end, those Federal and Postal employees who must consider filing for Federal Disability Retirement benefits have three fundamental options: Stay put; resign and do nothing (or wait for termination/separation proceedings to occur, which amounts to the same thing); or file for Federal Disability Retirement benefits under FERS.

The benefit of a Federal Disability Retirement annuity is quite simply calculated as 60% of the average of one’s highest three consecutive years of service for the first year (offset by 100% of any Social Security Disability benefits received during the concurrent payments received) and 40% of the average every year thereafter (offset by 60% of any Social Security Disability payments received during those years), until age 62, at which point the Federal Disability annuity is recalculated as “regular retirement” based upon the total number of years of Federal Service, including the time that the disability retiree has been on Federal Disability Retirement.

Thus, the “greater” benefit in calculating the cost has to take into account the fact that one is actually “building up” one’s own retirement by the years one stays on disability retirement — for, those very years that you are receiving a disability retirement annuity count towards the total number of years of Federal Service when it is recalculated as “regular” retirement at the age of 62.

Yes, it is true that on the cost/benefit ledger that one should review before filing for Federal Disability Retirement benefits, you need to take into account the lesser income and the lengthy bureaucratic process that must be engaged, but you should also never forget what the originating basis for considering such filing compelled the consideration in the first place: Your health.

Calculating the cost of filing for Federal Disability Retirement benefits too often places the emphasis on what is lost — in terms of monetary gain and loss, etc.  But in calculating the cost of filing an effective Federal Disability Retirement application, to be submitted and considered to and by the U.S. Office of Personnel Management, the primary issue involves one’s deteriorating health and whether you can continue to remain in a job which has clearly become inconsistent with the medical conditions one is suffering from.

In the end, calculating the cost must go beyond the lessening of income; it must calculate the cost of one’s health, which is the single greatest asset one possesses.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Government Employees: Admitting defeat

It is probably the single most difficult thing to do in life, and its inability reflects upon the abysmal state of education, both higher and lower.  The manner in which education is perpetuated – where “right answers” receive accolades and admitting of defeat merely alters the pecking order of who is admired and who are relegated to the detritus of human society – merely reinforces the greater loss of empathy, the destruction of civility and the coarsening of society.

Facebook, too, merely perpetuates the focus upon destroying an opponent and quieting any voices that may provide a quiet revolution, as alternate voices are silenced into submission by mere meanness of bombardment and repetition.  Some would applaud this all-too Darwinian approach as merely reinforcing the innate nature of “survival of the fittest” – for, admitting defeat is tantamount to revealing weakness, and the weak are mere fodder for the strong and stronger.

Whether in argumentation of discourse or fighting battles, wars – real or virtual – or verbal encounters characterized as harmless skirmishes on the Internet, it matters not anymore the manner in which one prevails, only that one does reach the apex of any endeavor, profession or undertaking.

Once upon a time, there were some rules of engagement – of a civil discourse where debates were conducted in quiet tones and respectful venues, and where humility called for admission of recognizing the greater argument which results in establishing the goal for the greater good.  Now, it matters not the means; for the end justifies the means and if you can shout down the opponent, lie about the facts and cheat around the strategy, it is the winner who is looked up to and the victor who walks away with the spoils.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal positional duties, it may be that the best way to avoid admitting defeat is to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, but somehow one’s priorities have become skewered in this obsessive-world where admitting a medical condition is tantamount to admitting defeat, as opposed to merely recognizing the limits of human endurance and the frailty of the human condition.

Fortunately, the rules governing Federal Disability Retirement benefits allow for the Federal or Postal employee receiving Federal Disability Retirement benefits to go out into the private sector, or even into the state or local government, and work at another job or vocation and make up to 80% of what one’s Federal Government or Postal job currently pays, and thus, to that extent, obtaining a Federal Disability Retirement annuity is not considered admitting defeat, but merely a change of venue in the pathways of life’s complexities throughout.

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

 

Medical Retirement from Federal Jobs: Prerogatives

The exclusivity of a right or privilege can remain dormant until asserted; and assertion triggers and activates, and suddenly that which consisted merely of quietude and inertia, becomes the centrality of controversy, contention and adversarial encounter.  Much of life is like that; resembling the proverbial elephant in the sitting room, or the decaying clump of unidentified derivation of unseemly scents, people tend to avoid and take a wide berth while acting “as if” throughout the day, the week, a year, and in a lifetime.

In olden days of yore, the “prerogative” was retained by the King, the Crown and the Papacy to assert or not, depending often upon the whims of emotional and political turmoil.  The fact of inactivity or inertia with respect to the right or privilege did not result in the loss of it; rather, it merely meant that the non-use of power only magnified the unlimited potentiality for tyranny.  One doesn’t lose something merely because it isn’t used; unless, of course, you are a common man or woman without power or purpose.

For Federal employees and U.S. Postal workers who have been “allowed” by one’s agency or the U.S. Postal Service to continue to remain in one’s position at the “prerogative” of the agency or the U.S. Postal Service, by being retained in some capacity of “light duty” or informal arrangement of “less-than-full-duty” status, the attitude and atmosphere can be likened to the Royal Family allowing and granting a limited dispensation at the mercy of the Crown, and always with humble subservience of gratitude and metaphorical acts of low-bowing.

While it is dangerous to be indebted to someone else for too much, the greater travail is to believe that one owes something of value when in fact no such indebtedness ever existed.

For Federal and Postal workers who suffer 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 Federal or Postal positional duties, the fact that the Federal agency or the U.S. Postal Service “says” that it is “accommodating” the Federal or Postal employee, does not necessarily make it so.

The prerogative to file 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, always remains and is retained by the Federal or Postal employee, even throughout a circumstance and situation where the Federal agency or the U.S. Postal Service contends that the Federal or Postal employee is being “accommodated”.  For, the term itself is one of art, and “accommodation” — in order to be a legally viable accommodation — must meet certain standards and rise to a level of legal sufficiency.

The mere fact that the Federal agency on High says it is so, no longer applies; for, despite its claim to greater status of Royalty, the days of uncontested power through mere lineage no longer exists, except perhaps in the feeble minds of the commoner who treads the hallways of Federal agencies and U.S. Post Offices with fear, trembling, and humble subservience.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: How Long Can Negation Define Living?

The tipping point where negation of living constitutes greater time spent than affirmative enjoyment of the activity engaged, is determined by individual choices and preferences.  Some individuals retain a higher threshold for pain, discomfort, and capacity to endure; and the fact that an MRI reveals a degenerative or decaying physical attribute does not necessarily correlate with the capability to ignore or otherwise minimize the magnitude of pain.

To what extent one avoids “doing something” in order to contain the pain; deny the self from pursuance of an activity in order to endure; to maintain quietude and an immobilized sedentary state of being in an effort to make the worn body and troubled mind last for a day, a week, or a decade longer; such are the efforts expended in a life of negation, in order to continue to “live”.  But is life defined by a quantum?  Or, is quantity in any way related to quality?  In “elder law”, there is often a discussion about “quality of life” issues, but the fact is, such a question and concern pervades with significance throughout one’s life, and not just towards the twilight of living.

For Federal employees and U.S. Postal workers who suffer from a medical condition,such that the medical condition begins to prevent one from performing one or more of the essential elements of one’s positional duties in the Federal Sector or the U.S. Postal Service, the question of when “enough” is already “too much” is one which haunts, tails, latches on as an appendage of inflamed emotions, and refuses mere hand-waving as an irritant to swat away.

Yes, filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is a major step in one’s life, but at some point, the alternative left unstated and ignored must be directly confronted and faced with courage, pragmatism and prudent behavior.

Habit of negation can become so intertwined with one’s daily life, that it remains as a compromise allowed because one believed that no alternative was offered.  But as a life defined by negation becomes, at some point, a qualitative issue where all joy has been sucked out of the vibrancy of rightful ownership, so the choice to change in order to attain a semblance of a past life, memorialized in times of youth where pain and psychiatric disorders were merely hypothetical constructs hinted at by “others” in the community, so taking an affirmative step in order to be released from the confines of daily toil and turmoil is often the best and most hopeful avenue towards a life of positive images.

For Federal employees and U.S. Postal workers, filing for Federal Disability Retirement benefits through OPM is often the best choice left in order to “move on” towards a greater definition of “life as living” once forgotten because of the constant harassment and fear imposed by the Federal agency and the U.S. Postal Service.  At some point, negation cannot define living, as life is more than avoidance, and there is joy to be found beyond Federal employment and the U.S. Postal Service.

Sincerely,

Robert R. McGill, Esquire