FERS Disability Retirement Annuity: Words that Matter

Do words matter?  Or, are actions the sole province of a substantive discourse?

The words, “I love you” have swooned countless couples into foolishly entering into bonds which later fail; or of the promise, “Till death do us part” have been rendered meaningless by innumerable violations of infidelity and divorce.

In forming contracts, of course — even verbal ones — words make a difference.  The technical definition of complex transactions involving the transfer of money for goods; the regulatory oversights in government procurement agreements; and many others — they make a difference.

On the other hand, if a person boasts to no one in particular, or to everyone, or even to someone, that “I am going to rob a bank” — but then does nothing to initiate any actions towards that end, do the words matter at all?  Or, a person who sits and declares to himself, “I will get up and make some scrambled eggs in a minute”, and states this refrain 10 times a day but never gets up to cook the eggs, and doesn’t even have any eggs in the refrigerator — do those words “matter”?

And what do we mean by “matter”?  Does it by necessity imply some consequential effect from a cause which is motivated by intention?

For Federal employees and U.S. 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 job, the words that matter are those which are formulated to effectively persuade the U.S. Office of Personnel Management to grant you your Federal Disability Retirement application.

In order for that to occur, contact and consult with an OPM Disability Retirement Attorney who specializes in Federal Disability Retirement Law, and begin the process of formulating the words which matter.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement Benefits: Stressful Times

These are, indeed, stressful times.  Stress plays a large factor for many; it is often the underlying trigger which hides behind the concealing curtain while other symptoms and manifested diagnoses charge towards the front of the proverbial line.  Depression, Bipolar Disorder, Generalized Anxiety Disorder, uncontrollable panic attacks — these and many other diagnosed conditions, including physical maladies, are suspected as having a connection to society’s number one enemy: Stress.

Thus is there a cottage industry to reduce, allay and minimize the stresses in our lives: Of philosophical self-help books; of scented candles, various therapeutic modalities, meditation techniques and medication regimens, etc.  Somehow, modernity has found a way not only to increase the stress in our lives, but to also make a living off of it.

For Federal employees and U.S. 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 job, these stressful times — with the shutdown of the economy and the changes in our daily lives with the onslaught of this Pandemic — may further worsen your medical condition.

If you are a Federal or Postal worker and want to consider preparing an effective Federal Disability Retirement application under FERS, consult with an attorney who specializes in Federal Disability Retirement Law, and begin the process of reducing that other stress in your life — that of your job; especially, in these stressful times.

Sincerely,

Robert R. McGill, Esquire 
FERS Lawyer exclusively representing Federal employees

    

FERS Disability Retirement: The facade of happiness

There are weather-related “fronts” — of “cold fronts” and “warm fronts” bringing in the freshness of change, a sudden modulation of temperature and a gust of windy hollows echoing through valleys and down into the chill of our bones.  They change the temperature of the air around us, and often moods are impacted as well.

Then, there are also “fronts” of human characteristics — of “putting on a brave front”; of making a “frontal assault”; and of these latter, we realize that there is always something behind, like the wizard concealed by the curtain undrawn.  We all of us put on “fronts” — and like the weather fronts that fool us at first that Spring may be nigh or Winter’s discontent may be around the corner, the “brave” front may be just a put-on, just like the “frontal assault” is likely a ruse to deploy one’s forces all at once to meet the enemy head on.

Of all the fronts, it is the facade of happiness that fools the most, even one’s self, into thinking that contentment is the amassing of objects surrounding, careers advancing and problems left avoiding.  The facade of happiness works well for a season, so long as the fool who buys the bridge of smiles never lifts the veil an inch to peer into the darkness of a soul in anguish.  Happiness is a fleeting state of existence; here for a moment today, it vanishes like the spirits of yesterday’s underworld where gods were chosen to wander the earth in ashen looks of greying days.

For Federal employees and U.S. 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 job, the facade of happiness has likely been an essential tool for survival in this past year, if not longer.

It allows for the Federal or Postal worker to put on a “brave front”, to fool the others for a time — somewhat like the cold front that descends upon the south in the middle of summer to remind one that change is in the air, or the “architectural front” that gives an old building a facelift and draws people inward as an inviting new asset.

But don’t be fooled; for the facade of happiness can never hide for long the suffering beneath, and for the Federal or Postal worker, preparing a Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is often the first real step towards an abiding and real happiness, as opposed to the fake smile that conceals beneath the facade of happiness.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: The centrality of fringe

In whatever definition one wants to adopt, the meaning is clear:  It is that which is on the outer periphery, and not central to the essence recognized.  But what if the reversal occurs?  Can that even be imagined?  Can the fringe constitute a substantive centrality, and yet retain the stability of its essence?  And, once the mirror conversion occurs, does the identification remain as it was, or do we accept the fringe elements as the convention, and the formerly known staid components as outside the normative foundations of an acceptable core?   Can that which was once considered unacceptable, metamorphose over a sufficiently quantitative linear heritage to the extent that the bizarre can become the best and brightest?

In Darwinian evolutionary hypotheses, the concept of a sudden mutation occurring as a result of environmental pressures forcing an alteration for the benefit of the organism’s survival, is often rejected because, as a general rule, nature does not favor large-scale transformations, unless there is a concurrent catastrophic need arising with little time for adaptation.  Yes, in cultural transformations, where artifice of choosing may occur by the quiet assent of a silent majority, the fringe elements may dominate by sheer vocal exuberance in drowning out any meek protest by will of volume.

Most people want quiet lives uninterrupted by forced decay of choosing; the sheep follow in drones of silent consent, if only because each can see only the limited perspective of the backside inches before, and stoppage of movement would mean being accosted in the rear by another follower of mindless assent, where discomfort is the greater evil in comparison to refusing to take another step.

At what point does an insignificant minority take upon an appearance of greater dominance, where the cacophony of shrill voices exceeds the disproportionate echo of seamless quietude, and we simply give in because the comfort zone of silence is shattered by the discomfort of resistance?  Those threads which flow freely – the ones which give an added “touch” to a piece of clothing, the Persian rug or the shawl which warms; what distinguishes that from a frayed mind, a singed material where residue of ashen leftovers appear as dangling limbs from a cauldron of confusion?

At some point, each of us becomes mere fringe elements, despite our best attempts at remaining relevant.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition has cast the Federal or Postal employee into that pot of “otherness” because of an inability to perform one or more of the essential elements of the Federal or Postal job – it is time to do something about having been re-categorized as a “fringe” element.  Preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal employee is under FERS, CSRS or CSRS Offset, may be the only way in which to cross back over into the essence of what it means to be central to the essence of life’s hope, and not allow others to castigate us into being the centrality of fringe, when that is not where you belong in the first place.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Medical Retirement: The Corner Thought

Corners are creations of geometric amplitudes; we point and direct that some person, object or place is “just around the corner”, deferred from a reference point of equilibrium.  Furniture pieces fail to fit in them, unless they are specifically designed for that purpose; people congregate towards them, especially those at parties who desire a semblance of anonymity or quiet discretion; and we used to send bratty kids to sit and stare at the geometric arrowhead of oblivion, hoping that the boredom of such a consecrated space would straighten out their demented characters.

Thoughts, likewise, remain sweetly anonymous, unless of course one blurts out what previously existed in the quietude of consciousness, and even then, we remark that such declarations emitted from the hollow of one’s mouth were mere “thoughtlessness”, thus negating that very expression which just a short while ago remained unknown and unknowable, but in a flash of an instant, articulated in the shattered world of calm and noiseless space.

When space and conceptual expression combine to coalesce, we refer to it as “the corner thought”.  The corner thought is that conceptual construct which is relegated to a later time, pushed aside and reserved for a future date of uncertain pinpoints of time.  We often never get back to it.

Like the child scolded and told to “sit in the corner until you straighten up” (a self-contradiction, to be sure, when the geometric fold of the corner is the very place where one is expected to defy a character of misgivings), the corner thought is left like mold on a damp and forgotten shelf of books and backdoor alleys, where the trash is never picked up and the stench of leftovers become a natural compost of hidden regrets.  It is always that “corner thought” which one day must come back to haunt.

For the Federal employee or U.S. Postal worker who suffers silently in the angst of the Federal agency or the U.S. Postal Service, relegated to perennial “light duty” assignments, “modified” work duties, sudden and unexpected demands to appear for a “fitness for duty” examination, then never to be heard from again until some irritant of polluted thoughtlessness tramples in from the misery of unknown lives but to whom one must submit and be subservient because of a title imparted as “supervisor”, “manager” or just plain “boss”; that corner thought was always the one entitled, “Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management”.

When the medical condition first began to impact the Federal or Postal employee’s ability and capacity to perform the essential elements of one’s positional duties, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the thought of filing for Federal Disability Retirement benefits through OPM was at first nothing more than that “corner thought” which was pushed aside and asunder.  But as time went on, it became clear that the miscreant of unexpressed conceptual construct needed to be dusted off, brought back, and repositioned to take a more prominent placement in the covey of ideas to be considered.

Corners cannot, of themselves, instill character into wayward children; and thoughts cannot, left alone, compel purposive action without a corresponding will to act; and it is when the corner thought takes its proper role of relevant existence, that the directionless pointing to a reference “just around the corner” will one day become solidified into a concrete plan for some time hence, by preparing, formulating and filing an effective Federal Disability Retirement application, to combine the separateness of the corner with the delay of thought, in order to embrace that corner thought for a secure future.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: A Pedigree of Choices

There are still some parts in the world where line of descent and lineage of genealogy matter; certainly, for spectacles such as the Westminster Kennel Club Dog Show, the origins of breeding, the line of winners, and the genetically pure tree of aristocratic connections matter still.  But humans are different; or so we like to think.

We are repulsed by the very idea of placing substantive significance upon birth rights, yet we fawn all over royal births and deaths; we deny the importance of name, lineage and legitimacy, yet grope with incestuous perversity for information of scandal and bastardly genealogy; and while we feign to act disinterestedly in matters blared in tabloid newspapers, somehow they continue to sell well, and the supermarket lines are crammed with such addictive fare, alongside candies and covered chocolates.

Pedigree is to the dying aristocracy what the economy is to today’s worker:  slow death, and fading into an unknown abyss.  That has been the beauty for democracies around the world — the choices given, the opportunities provided, in a universe where lineage, heritage and genealogy matter less than the chance to thrive.  For Federal employees and U.S. Postal workers who have come to a point in his or her career, where a medical condition has become an impediment, it is the pedigree of a different sort which must be considered.

Pedigree in a narrow sense is that which constitutes the DNA of bloodlines; in a more general sense, it is the recorded ancestry which determines fate, but which in the modern era we have been able to free ourselves of, and with deliberative intent, force the issue.  Thus, when we talk about a pedigree of choices, it is meant to denote the reaching branches of multiple paths to consider, from a singular trunk of limited origins.

Federal Disability Retirement is one such branch, reaching out into a different direction.  For the Federal and Postal employee 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 Federal or Postal positional duties, it will often seem that future choices are as limited as the former system of feudal paucity of exclusion except for name, blood and descent by birth.

But the modern pedigree of choices is determined not by the tree of ancestry, but in the tree of knowledge; and as Federal OPM Disability Retirement is a choice available for all Federal and Postal employees who have the minimum of 18 months of Federal Service (for FERS employees) and 5 years (for CSRS employees), it is incumbent upon the Federal or Postal worker who thinks that a medical condition is as self-limiting as the former constraints of pedigree, to consider filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, as the pedigree of choices.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Government Employees: Stress

“Stress” is always the “problem child” in a Federal Disability Retirement application under FERS or CSRS.  If a Federal or Postal employee is no longer able to perform one or more of the essential elements of one’s job because of an intolerance to a certain level of stress, then certainly it should be considered as a basis for preparing, formulating and filing a Federal Disability Retirement application, either under FERS or CSRS.  However, treatment modalities must be engaged — normally, via a psychiatrist or psychotherapy.

Further, there are always issues which will come about in basing the primary medical condition as “stress” — aside from the fact that it is a generic designation which will often have corollary designations, such as Major Depression, Generalized Anxiety Disorder, etc.  For example, can one define “tolerance to stress” as an essential element of one’s job?  It is certainly an inherent element, implicit in many multi-tasking jobs and ones which require a high level of responsibilities or is subject to timeliness in quotas and work production.  But when issues concerning stresses which arise as a result of “personnel issues” (i.e., interaction with supervisors, coworkers, etc.), then it becomes a “problem-child” which is best avoided, for numerous reasons, including the possibility and danger of having one’s Federal Disability Retirement application denied based upon a “situational disability“.  Concepts and thoughts to ponder, when preparing, formulating and filing a Federal Disability Retirement application under FERS or CSRS.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Disability Retirement: Interaction with OWCP/DOL

I receive calls periodically as to whether it is of greater advantage to remain on Worker’s Comp (Department of Labor, Office of Workers Compensation Program — “OWCP”) as opposed to going out on OPM Disability Retirement.  My answer remains the same:  OWCP is not a retirement system; OPM disability retirement is indeed that — it is a retirement, where one is separated from Federal Service, and you go out and do what you want to with your life.  Every decision has consequences; every act which we engage in has inherent residual effects, and we have to balance such effects and consequences.  Thus, while OWCP benefits pay a higher rate (75% tax free with a dependent; 66 2/3% tax free without a dependent), there are restrictions:  You must comply with any and all requests (or demands) of the Department of Labor; you cannot go out and get another job, or start another career — because you are deemed “disabled” and are being paid for it.  On the other hand, OPM disability retirement pays less (for FERS, 60% the first year, 40% every year thereafter), but you have the freedom of retirement — you may go out and start another career, and make up to 80% of what your former position currently pays, without losing your disability annuity.  These — and many other factors — are some things to consider when weighing the differences between OPM disability retirement, and receiving OWCP/DOL benefits.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Disability Retirement: Summer Doldrums & the Physician’s Statement

I have often pointed out in past blogs and articles that I do not have my clients sign the Physicians Statement (SF 3112C), for multiple and various reasons, not the least of which is that it is a confusing form, and in smaller print than necessary, leaving the impression to the doctor that what is requested is far more complex than what is actually required.  In its place, for my clients, I write a 4 – 5 page letter outlining the type of medical narrative report which I need.  This is the summer months; everyone from OPM representatives to lawyers, to doctors and Federal and Postal employees, take time off to recover from the hard work throughout the rest of the year.  When doctors take off for some “summer fun”, it just means that they have less time to spend on administrative matters — such as writing up a medical narrative report for their patients.  Because of this, it is important to try and simplify the matter as much as possible, and a blanket submission of the SF 3112C without some explanatory guidance, is not the best course of action.  Doctors need guidance, and in this busy world, it is best to streamline the process for them as much as possible.

Sincerely,

Robert R. McGill

OPM Disability Retirement: Summer Waiting

I have written previously about the long and arduous waiting process & period in trying to obtain CSRS & FERS Federal Disability Retirement benefits from the Office of Personnel Management. Remember that, in your calculation in attempting to survive financially, economically, emotionally, medically, physically, mentally — and in all other ways, keep in mind that the summer months from July to August often represent a “dead zone” when many Federal employees take time off for vacation, time for family, and time for relaxation.  While it is understandable that this makes the Federal disability retirement applicant nervous and anxious to be placed “on hold” when such an important decision may be held in abeyance, it is simply a reality which must be taken into account.  Don’t get frustrated; be patient.  The summer months will come and go, and the important point is to keep looking forward to the future.

Sincerely,

Robert R. McGill, Esquire