Federal Disability Retirement under FERS: Spectator Sports

Psychologists and commentators in general have had a field day (yes, the bad pun is intentional — but who can avoid it?) with analyzing and providing “expert” opinions on the matter, which essentially plays with (yes, yes, another bad pun) the following question: Why are people so enamored by watching others play a game?  What is it about the concept of spectator sports that draws such a crow?  What is it about being part of a “team” that results in people acting in such bizarre ways?

It is, of course, an easy transition to other areas of one’s life — from spectator sports to the political rally; of parades and cheering crows; of legions of a cheering populace gathered to welcome the Roman troops returning from battle; of D-Day and V-J Day; of the stadiums filled for the World Cup in Soccer to the excesses of the Super Bowl; of March Madness and the tradition of Friday Football (High Schools), Saturday Football (Colleges) and Sunday Pro football games; and what the Covid-19 Pandemic reflected when everyone was shut in, but with curtailed capacity to view such spectator sports.

What does it reveal about us?  Had the Romans, with their vast coliseums, already figured out the human psychology — of the need for spectator sports — in order to satisfy the blood-thirsty need of a restless populace?

For Federal employees and U.S. Postal workers who are needing to filing for Federal Disability Retirement benefits under FERS, hiring a disability attorney who specializes in Federal Medical Retirement Law is often approached as one does a spectator sport: Who has the highest winning percentage?  What Law Firm will treat me as a “team member”?  And, the flip side is also true, concerning the perspective of the Agency: “How will my ‘team’ (the Agency) treat me?” “How will my team react?

Whether fortunate or unfortunate, the psychology of spectator sports is how everyone views things, but for the Federal or Postal employee who is ready to contact a FERS Disability Lawyer to initiate the process of OPM Disability Retirement, understand that trying to get an Federal Disability Retirement is ultimately not a spectator sport; for, it is the reality of a life endeavor, and your full participation will be needed on the “field” of the early retirement process.

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.

 

FERS Medical Retirement from OPM: Random Occurrences

Kant’s view is that the structures of order are imposed upon the objective world by human thought processes; thus, ultimately, the argument is that there are no such things as random occurrences, for everything is random, and therefore nothing is such.  For, if everything is X, then it is the same as saying that nothing is X, just as, If everything which is X is also Y, how can you distinguish between the two?

It is similar to David Hume’s contention concerning causality.  There is nothing in the world that tells us that the next time you hit a cueball and aim it at the 8-ball in a game of pool, that it won’t hit the target but fail to move it.  The fact that you have seen it done a hundred times before is no guarantee that it will happen the next time; for, what you saw the hundredth time gave you no new information than the first time you saw it.

Volume of incidents in identical form is no basis to argue that causality exists, if only because no “necessary nexus” is discovered whether you have witnessed something once, or a thousand times.  Yet, we crave stability and consistency; it is these random occurrences which trouble us, like a bad hair day which ruins and depletes our sense of confidence in the world we occupy.

Medical conditions have that effect upon people — that they are random occurrences which hit some, but not others.  It is when that happens when we believe the world to be unfair, and that the gods of fate somehow look with disfavor upon us.

For Federal employees and U.S. Postal workers who suffer from a medical condition which prevents you from performing one or more of the essential elements of your Federal or Postal job, the search for greater consistency and stability in your life may be to prepare, formulate and file an effective FERS Disability Retirement claim, through the U.S. Office of Personnel Management.

For, while the objective world around you may appear to be merely a series of random occurrences, it is the affirmative act of a human being which can impost some semblance of Kantian order upon an otherwise chaotic world.  Such an affirmative act begins, for the Federal or Postal employee, but contacting a FERS Disability Attorney who specializes in Federal Medical Retirement Law under FERS, to be filed with the U.S. Office of Personnel Management.

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 Disability Retirement Law: The Comparative Perspective

It is a game which is played throughout history — of comparing one’s own situation to a projected, often inaccurate portrayal of “the other”, whether that other is the neighbor across the street, the stranger whom you see sitting in a cafe drinking coffee, or some celebrity who is obsessively followed for their seemingly outrageous lifestyle and unpredictable tantrums of demands and pubic displays of extravagance.

There are the traditional responses, of course, of: “The grass always appears greener on the other side of your fence”, or that you can never know of another’s life unless you walk in his/her shoes, etc.  But such pablum responses never stop the game that is played — of providing a comparative perspective by judging, on a superficial level, the more appealing life of someone else.

But what if that “someone else” was comparing his or her life to yours?  What is it that they would “not know” but would make a great difference “if only they knew”?  How about a medical condition which you have been masking for many years, which has taken a tremendous toll upon your life?

Indeed, that is often how Federal and Postal workers continue to work despite a medical condition slowly and incrementally destroying the health and well-being of a Federal or Postal worker’s life.  The comparative perspective is often the wrong one, precisely because the comparison itself is made on the most superficial of levels.

Contact a Federal Disability Attorney who specializes in OPM Disability Retirement if your health has deteriorated to such an extent that any comparative perspective would open up the eyes of the person making that comparison — with the realization that it is time to prepare, formulate and file an effective Federal Disability Retirement application under FERS, through the U.S. Office of Personnel Management.

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.

 

OPM Disability Retirement Law: The Door Ajar

It might be the security entrance to an apartment complex, but for some reason the door had failed to swing back completely, leaving it slightly ajar; or you pass by a door where voices are heard, of warm music soothing to the soul, perhaps some distant laughter, and you look upon the door ajar and pause, thinking, “In life, how often do you hear such pleasantries; should I just open the door and look inside to see from whence the happiness emanates?”

Or the teenage child’s bedroom door left ajar — it is at a critical point in the growth of a person; does the door left ajar indicate an invitation for the parent to come in and say hello, or is it mostly closed in order to deny entrance, exhibiting the rebelliousness and defiant independence of the age of such youth — or, perhaps a little of both?

The door ajar is the anomaly of life — of half closed and half opened; of an invitation or a denial of entrance; of a midway point indicating contradictory messages.

For the Federal employee and U.S. Postal Worker who suffers 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 job, the career one has chosen is akin to a door left ajar — you are caught in between and left standing, isolated and unable to determine what to do next.

You can’t do your job but your agency or the Postal Service is just keeping you in limbo.

Open that door ajar wide, and contact an OPM Disability Retirement Attorney who specializes in obtaining from the U.S. Office of Personnel Management (OPM) this work benefit called “Federal Disability Retirement”, that is, allow the lawyer who specializes in that area of law to guide you through the morass of a complex bureaucratic process where the door is never left ajar, but opened with greater information.

Sincerely,

Robert R. McGill, Lawyer

 

Federal & Postal Disability Retirement: Failing to Act

Ours is a society of inertia.  We talk a lot; move around much papers and information; sit and post on various social media outlets; watch movies and shows; and within that flurry of seeming activity, we satisfy ourselves that we are doing things which matter.  But when it comes time to act, when action actually actuates — we so often fail miserably.

It is as Heidegger once quipped — that we have our distracting projects in life in order to avoid thinking about substantive issues and the inevitable.  There is a time to act — of initiating a course of action; of taking preparatory steps; of formulating a plan for the future.

For Federal employees and U.S.Postal workers who suffer from a medical condition such that the medical condition no longer allows you to continue in your Federal or Postal career, the time to act is now.

Consult with a FERS Disability Attorney who specializes in Federal Disability Retirement Law and begin the process of reversing the usual inaction of inertia, and refute the customary approach of failing to act.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Unique Circumstances

They arise when the isolation becomes all the more magnified; and they close upon you and make you believe that you are alone in the world.  Each circumstance, by definition, is a unique one: Unique because all previous such circumstances never involved you; unique because the time and place never encompassed you; unique because it has happened to you, as opposed to someone else.

When a medical condition is involved, you somehow know that others have also suffered from similarly illnesses, disabilities or diseases (unless it is the Corona Virus — which, again, is not so much “unique” as it is a different strain from other viruses which has infected the greater universe), and yet the isolation it imposes, the sense of “separateness” it necessitates, makes it profoundly unique.

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, just remember that —yes, your condition is unique; but that no, the process of filing for Federal Disability Retirement benefits under FERS is not unique to your particular circumstances; rather, it needs the guidance and advice of a Federal Disability Lawyer who is experienced in taking your unique circumstances and applying it to the complex administrative process of obtain a Federal Disability Retirement.

Consult with an attorney who specializes in Federal Disability Retirement Law, and begin to conform your unique circumstances to the particularity of Federal Disability Retirement Law that governs the unique circumstances and turns it into an ordinary annuity to protect your important future.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Denials: Selective reasoning

Of course, we all engage in it; some, merely by withholding certain known facts; others, by emphasizing and asserting portions of the logic employed while ignoring or deliberately averting the focus of other aspects.  Selective reasoning through deliberate omission is the height of pragmatic oppression; for, when it is accomplished with knowledge and self-admission of premeditation, it involves a mind that knows the difference between proper application of logical reasoning and the intentional misrepresentation of facts.

We engage in such folly during the course of normal fights and argumentation; for, to win is the basis of arguing, and the ends often justify the means.  Logic is a learned tool.  It is the foundation of sound reasoning.  It is not an inherent, in-born or even in-bred character of man, but it can bring out the evil therein.

As a tool, those who are good at it have a greater responsibility to use it wisely, honestly and with proper motives.  It is the “selective” part of the reasoning that makes for honesty of dishonesty in the reasoning process, and the anomaly and irony, of course, is that the process itself — of reasoning — necessarily involves selectivity, for logical argumentation encapsulates proper and effective selection of facts, syllogistic approaches and propositional logic all bundled into one.

The U.S. Office of Personnel Management engages in selective reasoning, and their denials of Federal Disability Retirement applications reveal a level of such selectivity that one must conclude that it is being done intentionally and with deliberate knowledge.

Beware of denials; for, they try and make it appear as if you never had a chance to begin with in your FERS Disability Retirement application. OPM will selectively choose to extrapolate from various medical reports and records, and fail to mention or highlight the selective portions omitted, then reason that there was “insufficient” medical evidence despite facts and rational argumentation to the contrary.

Do not despair, and do not simply allow for the 30-day time period in which to file for Reconsideration to lapse; for it is precisely such selective reasoning that is meant to discourage, and to make you think that the denial is dismissively disproportionate so as to justify giving up altogether — which is precisely what their selective reasoning is meant to accomplish.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement: Square peg in a round hole

You know the old adage; it is when a person is trying to do something that is frustratingly obvious that it cannot be done, yet persists in it despite the reality of resistance.  The truism itself by necessity requires one of three courses of action: You either cut off the edges of the square peg in order to shape it into a form where it can fit into the hole, or you smooth the edges of the circular hole and widen it such that the square peg can fit into it.  The third option is: You continue to try and force the issue.  And the fourth way is: You give up and walk away with obvious discontentment and frustration.

You want to remain friends with X, but X is a cad and no matter how much you try to change X, X will not change; and so you try and ignore X’s idiosyncrasies in an effort to extend the friendship, and remain frustrated at your attempts to change reality.  Or, you try and please everyone but end up angering all — you cannot shape the square peg or widen the hole, because there is simply too much resistance from both to alter its shape, size or essence of being.

Reality has its limits; that’s the beauty of the life we lead: virtual reality can be altered with a click of the button, but the reality of the real is that the quirkiness of life defies fullness of understanding, and the mystery of each individual denies total control.

For Federal employees and U.S. Postal workers who continue to struggle with a medical condition that prevents the Federal or Postal employee from performing one or more of the essential elements of his or her Federal or Postal job, the choices are clear: Stay and suffer; walk away and lose everything; or file for Federal Disability Retirement benefits with the U.S. Office of Personnel Management. In such a case, this third option is tantamount to shaving the edges of the square peg in order to fit into the hole, as opposed to trying to stay when it is no longer medically advisable, or to walk away and abandon everything in frustration.

Old adages remain relevant for a reason; the truth behind the words is retained and, indeed, there is still a recognition that truth prevails.

Sincerely,

Robert R. McGill, Esquire

 

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