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

 

Federal Disability Retirement Information: Action after words

Does the failure of an action to succeed a string of words make it automatically into a lie, or can it merely indicate a delay between thought and action, spoken words and action, or misinterpretation of words followed by non-action?  Are there phrases and afterthoughts that undermine and negate the initial statement of promised and anticipated actions, such that they “justify” the non-action?

For example, if a person says to another, “I will meet you at X restaurant at noon tomorrow,” but upon showing up at the place, the other person never appears; later, you bump into that same person and inquire about his non-appearance, and he states, “Oh, I became too busy and couldn’t come.”  Does that succeeding statement negate the previous statement; does it “explain” it; does it “supersede” it; or was it merely a statement that tells you that the person making it is rude, a bore, and someone to henceforth be suspicious of and mistrusting towards?

What if the same person had said some other things, like: “I thought better of it” or “I decided that I didn’t want to go out to lunch with you”.  As to the former, one might conclude that the person was somewhat odd; as to the latter, that he or she was unfriendly and did not deserve further consideration.  But what of the following statement: “I am so sorry. My mother was taken to the hospital suddenly and I completely forgot!  Please accept my sincere apologies!”  This last admission, of course, is the one that “justifies” the breaking of the prior commitment, and can be seen as the one where “forgiveness” and further consideration is accorded.

In every case, the action which follows after words determines the future course of how we view the person who spoke the words; yet, context and content do matter.

Take for example another scenario, where the person says, “I may be at X restaurant at noon tomorrow, or I may not.”  You show up at the place at noon and the person who made the statement does not show up.  Later, when you “bump into” the person, you say, “Why didn’t you show up at X restaurant,” and the person responds with, “Oh, as I said, I might have, but decided not to.”  Was there a broken promise?  Did the actions performed fail to “meet” with the words previously spoken?  No, and not only that – one could even argue that the person was quite true to his “word”.

For Federal employees and U.S. Postal workers who are considering 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, the connection between “action” after “words” is always an important consideration to take into account, for there will be many steps through the administrative process where compatibility between the two will have to take place.

Will your doctor support your Federal Disability Retirement case when the “crunch time” arrives?  (The doctor will need to).  Will your Human Resource personnel do as they say? (Likely not).  Will your supervisor timely complete the SF 3112B? (Hmmm…).  Will OPM “act upon” the Federal Disability Retirement application after “saying” that they will? (Again, hmmmm…..).

Action after words – the foundation of sincerity.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government Employment: Still Life

The meaning can evoke a duality of concepts; of the artistic mode, where self-contradiction is inherent – for, it is often in depictions of inanimate objects, presented in combinations not normally seen in true living circumstances, that the artist arranges in order to capture a semblance of that which is never, or rarely, encountered.  Or of the alternate implication:  Once thought to have been deceased, the realization that there is yet a soul to revive, an aspiration to embrace, and hope again to realize.

Both, however, have something in common:  A frozen placement for all of eternity to encapsulate; the organic matter from which to work with, endure through and contrast to the opposite – of Nothingness devoid of any purpose, teleology or construct of animation; and the two together will posit a compound concept of contrasting contradictions:  loss of movement, but gain of Being.  But, then, that is so often true of daily living, isn’t it?

There is a contradiction in what we do; on the face of it, we appear to be “doing something”; but deep within the recesses of our thoughtful doubts, we know that we are failing to accomplish the hope of our dreams, the aspirations still surviving deep within our hearts, and the very failure of moving towards that which we desire, diminishes our inner selves and begins to slowly, insidiously shrivel the core of our souls.

Medical conditions tend to have that effect, and when the “outside” world begins to confirm that which we fear, the shriveling effect becomes accelerated on an exponential scale where proportionality of judgment becomes askew and fails to meet the expectations of our own essences.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to pervasively impact all aspects of life – home, recreational, work and relational – the danger is that of a Still Life painting:  the combination of events and objects are not what they are supposed to be, and the encounter with “real” life no longer allows for further movement.

We become stuck in a painting arranged by someone else, and more and more, we lose greater control over our own destiny.  And in the alternative meaning of that concept – that we “still” have some life in us – is where taking the pragmatic steps toward preparing an effective Federal Disability Retirement application, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset comes into play.

Still Life does not have to prevent movement where there is still life; and for the Federal or Postal employee who is no longer able to advance because a medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of the Federal or Postal positional duties, it is the Still Life painting which represents the impetus that there is still life to be lived beyond one’s Federal or Postal job.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement: Life as a frown

Is most of life a frown, with a few smiles which make it all worthwhile?  Or is it perceived as its opposite – of predominantly smiles, with some frowns interspersed throughout?  Is that like the test-question for psychological health, of whether the glass is seen as half empty, or half filled?  Does the answer to the question depend upon the mood of the moment, the ethereal pattern of the day, or the fabric of that which is woven into our DNA by a matrix of unassailable conventions?  There is, to be sure, a weight of paradigms and an interwoven context which cumulatively aggregates into a “personality” of who one is; but can a Rorschach test unravel the depths of a psyche, or does it determine the course of one’s future actions because of the embedded nature of an anguished soul?

One wonders, ultimately, whether language is the conduit of the perception we possess, and that is why the Hindu guru or the Zen monk admonishes to seek silence, and to quell the obstacle of words and voices.  For, does an animal engage in unspeakable atrocities?  Of self-harm or self-immolation, or worse, of mass executions?  Is it not because of the conveyance of language, in communicating thoughts created and linguistic strings of previously-unimagined evils, that we reach the pinnacle of banality (to borrow a phrase from the Philosopher, Hannah Arendt)?  Would a man of such mediocrity as Eichmann have concocted the horrors of mass extermination, but for felicities directed by a conspiracy of greater evils?

Life as a frown; it is to approach the world with a certain perspective.  Life as a smile; it is to reproach the universe for being too downtrodden.  Is there a difference, or merely a play upon words where the distinction is lost once we wipe away the blur from our morning eyes and begin to engage in the work of the day?

Leisure is needed for the miscreant to employ the folly of a wasted day.  Time was that we all had to survive by physical toil, and worry involved how to eat in order to survive.  That is what consumes all of the rest of the Animal Kingdom; to survive, one must eat; to eat, one must toil; and the rest and residue leaves one too exhausted to consider, but for the technology of leisure where thoughts may invade and pervade, in order to create malevolent constructs of linguistic artifices.

For the Federal or Postal employee who suffers from a medical condition, such that the medical condition begins to prevent the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal positional duties, the “approach of life” is an easy matter to conceive of:  the medical condition itself has made the determination for you.  Life becomes a frown, with nary a smile to intercede, when the work of each day is beset with anguish, pain and sorrow.

Preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, actually has a constructive goal and purpose:  To alter the course of a future yet undetermined, and make life as a basket of smiles, to the extent possible in this universe of frowns.

Sincerely,

Robert R. McGill, Esquire