Tag Archives: federal disability insurance for us government employees

OPM Medical Disability Retirement: The Nimbus Implication

Subtlety is gone; everything must now be explicitly stated and proven.  Diplomacy was often known as the art of the subtle — of making statements which could be interpreted in multiple ways; of committing, and yet not; of appearing to be cordial while hiding the tensions of subterranean hostilities — sort of like the relationship between the United States and China, as opposed to the now-openly hostile and confrontational geopolitical interplay with Russia.

The “nimbus” is that halo often depicted over the head of a saint.  It is vague; somewhat of a haze; a luminous color that remains even when the individual walks about.  What does it imply?  Somehow, we all know — that it implies saintliness, of a purity and quality we ourselves do not possess, and when we encounter a figure who possesses it, the implication is clear and unequivocal: We have encountered the supernatural.

Federal employees and U.S. Postal workers who suffer from a medical condition which prevents the Federal or Postal worker from being able to perform all of the essential elements of his or her job, often walk about with what is tantamount to the nimbus implication — except, with the opposite effect.  Instead of saintliness, it is about being a pariah; for, over time, the Federal Agency, the Postal Service, the Supervisors of both, they all lose patience with the individual who suffers from a medical condition.

Suddenly, the nimbus implication leads to a PIP (Performance Improvement Plan); a restriction on leave usage; even discriminatory practices deliberately initiated by the Federal Agency or the Postal Unit; and, sometimes a removal from Federal Service.  The option once the nimbus implication reaches an extreme point?

File for Federal Disability Retirement benefits under FERS through the U.S. Office of Personnel Management.  Contact a FERS Lawyer who specializes in Federal Disability Retirement Law and begin the process of avoiding the consequences of the nimbus implication.

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: Not Knowing

Not knowing is not the same as not wanting to know; and, moreover, it is distinct from knowing but ignoring the knowledge and refusing to make the connections necessary and easily recognizable, and perhaps even claiming to not know.

Finding a wad of hundred-dollar bills on the sidewalk, picking it up and pocketing it, then claiming to not know how it got there, may be a justified position to assume — unless, of course, you saw who dropped it but failed to act upon it.  What if you saw who dropped it, didn’t know who the person was, and didn’t try and catch the person before the person left?  Does it make a difference?

Not knowing and claiming to not know are two different things.  In law, however, whether you did not know or were not informed in order to know, is a distinction without a difference.  The phrase, “Ignorance of the law is no excuse” is generally applicable, and in Federal Disability Retirement Law, it applies strictly.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that you may be entitled to Federal Disability Retirement benefits, contact an experienced lawyer who knows the Law so that not knowing the law will not prejudice you.

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 Disability Retirement Benefits: Maintenance and Repair

We know the difference; of performing regular maintenance as opposed to the necessity of repair when something breaks down.

In recent years, there has arisen a cottage industry for every type of mechanical device: Of heating units and cooling systems; of automobiles; of computers; snow blowers, etc.  Maintenance is the yearly or semi-annual need for attending to required cleaning, parts-replacement and other issues — in an effort to prevent a breakdown.

Repair is when the breakdown occurs, and when we can then blame either the failure of maintenance as the failed preventative measure (now, in reflection, thought to have been unnecessary), or the question as to why such maintenance failed to detect or otherwise forecast the failure.

Medicine itself has engaged in that line of thinking: By getting regular checkups, scheduled diagnostic tests, follow dietary guidelines, etc., we believe that such “maintenance” actions can prevent the onset of disease and conditions.

An analogy can be made for preparing, formulating and filing an effective Federal Disability Retirement application under FERS: Preventative maintenance is hiring a lawyer who specializes in Federal Disability Retirement Law; Repair is if you do a “do-it-yourself” approach for the Initial Stage of the Process, or even the Reconsideration Stage, then you go to a Federal Disability Lawyer to “repair” the denial from the U.S. Office of Personnel Management.

In the end, while no lawyer can guarantee a successful outcome in a FERS Federal Disability Retirement application, the preventative maintenance of a Federal Disability Retirement application is the preferred course, but if you get denied, you will certainly need to get the legal repair-work done by contacting an attorney who specializes in Federal Disability Retirement Law.

Sincerely,

Robert R. McGill, Lawyer

 

Federal Disability Retirement Representation: The Chosen Word

Words chosen bespeak of the artfulness of the one who chooses them, but the true artist remains anonymous and allows for the words themselves — the “artwork” of the word-meister — to make its quiet impact.  It is the vehicle of communication; it is the goal of the sentence, the “umph” of the connotation and the hyperbole of a paragraph’s ending.

In a universe inundated by words — some would argue that the essence of modernity is people merely spewing out words, because that is all we ever do, now, and can do, is to talk a lot without getting anything accomplished — and thus the importance of the chosen word, or more precisely, the carefully chosen word, becomes all the more significant.

In this post-modern era, the question is no longer about Truth or Falsity; rather, it is about sifting through the maze of overabundance, where the impact of words fail us precisely because we can no longer appreciate the subtlety of connotations, derivations, implications and innuendo.  As brashness blunts the art of derivative meaning, so overabundance of words dilutes the craftsmanship of a well-composed sentence.

It is like the orchestra with one too many violins; the extra becomes an overkill to the sensitive ear that cannot differentiate because the sounds of repetition dulls the distinctiveness of each.  Words await to be chosen, lost in the void and vacuum of unused dictionaries, and in this age of the Internet, forever relegated to the ethereal universe of the vanquished scenery of outcasts and extinguished, waiting to be rescued for an insertion into a sentence, a hyperbole within a parenthetical clause, or a hyphenated relevance amidst a sea of declarative thoughts.

For the Federal employee or Postal worker who must consider preparing an effective Federal Disability Retirement application, to be ultimately submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the thing to remember is that the final Federal Disability Retirement “package” that is filed with the U.S. Office of Personnel Management is a “paper presentation” of a bunch of jumbled words — “jumbled”, unless each has been carefully chosen in order to communicate effectively, well, and persuasively.

It is the untying of the knot of complexity, the smooth and controlled sequence of words that become aggregated into a paragraph, then a full page, and in the end, it is the chosen word precisely crafted, picked like the ripened fruit of ideas that must persuade and win over the thousands of worthless and meaningless other words that will fail the test of an OPM Disability Retirement application — and like that perfectly chosen word, be careful to choose which word-meister you hire to represent you in this most important of endeavors!

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement under FERS & CSRS: Cherishing moments

In the end, isn’t that all that we have?  We like to speak in terms of vast, grandiose expanses of time, where we create plans that span a lifetime, or refer to wide swaths of historical periods as if we have any conception at all about time, segments of memories or even of the memories already forgotten.  Old men and women reflect back and regret the time lost; middle-aged people who are caught up in the race to make up for lost time, continue on the treadmill that never seems to lessen; and the young — they just race through it as if there is no tomorrow.

Cherishing moments — how does one do that in a fast-paced world of technological amplification where everything moves at a hare’s pace when the yearning is for the tortoise’s calm?  Life comes at us with a fury and an unrelenting torrent of rain and winds; and when we try and raise the umbrella or walk at an angle to counter the ferociousness, we merely get left behind.

How is it that “memories” become more significant and important in our lives than the actual “living” of an episodic slice of our daily existential encounters?  At what point does one take precedence over the other?  Is there an imbalance of disproportionality that occurs — as in, spending more time “remembering” as opposed to “living”?  Is a person who watches the same move over and over, day after day, any different from the one who constantly daydreams about a moment in his or her life, over and over again, repetitively in a lost morass of memories unrepentantly consumed? What is the proper balance and mixture — somewhat like a recipe for a homemade pie or a birthday cake — between the ingredient of cherishing moments and the reality of daily living?

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, the problem with cherishing moments — any moments — is that the impediment of the medical condition itself will not allow for any enjoyment at all, whether of memories remembered or of life to be lived.  That is when you know that there is a disequilibrium that needs to be corrected.

Preparing, formulating and filing an effective 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, may be the first, albeit tentative step, towards attaining a level of normalcy where cherishing moments is a choice to be taken, and not as a regretful nightmare uncontrollable in the restless dreams of a forsaken career.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement: The Process of Decision-making

Have you ever wondered how decisions are made?  What is the process, and who determines whether or not the methodology engaged is the “right” one or the “wrong” one?  What data is analyzed?  How is the evaluative input assessed, and to what extent does “missing” information impact the process?

On a spectrum of decision-making, there is on the lower side of an imaginary graph the “process” of choosing a flavor of ice cream.  Most would agree that it is based upon a purely subjective, appetitive basis, where the foundation of the process of decision-making (if you can even call it that on such a rudimentary level) is based upon one’s taste for a particular flavor, and whether or not one has a present desire for the intended food.

Can other factors come into play?  Of course – for example, say you just read an informative article that all flavors in category X contain a carcinogenic compound, however slight in volume, that over time may cause harm, whereas all other flavors (“Category Y”) are exempted and are considered “safe”.

Now, how much of that data enters into the decision-making process of choosing the ice cream flavor?  For, in order for such information to enter into the equation, one must first engage in the prior decision-making process upon the article itself – i.e., is it factual or does it contain unfounded opinions?  How “scientific” is the evidence?  Does the author have a conflict of interest – i.e., is he being paid for writing the article, and by whom?  Perhaps the author works for the industry that produces all Flavors Y and wants to advance a competitive edge over all Flavors X by harming or destroying, or placing seeds of doubt into the minds of customers who might consider those other flavors?

Placing weight and credibility upon the article itself must first involve a process of decision-making; then, even after such a judgment on the information received, how much of it will impact upon the decision-making process of choosing a flavor of ice cream?  One might conclude, for example, that the article on carcinogenic ingredients is pure bosh and disregard it – but even in that instance, if you chose the category of Flavors Y, can you ever be sure that you discarded it completely, or perhaps in your subconscious mind you attached your allegiance out of fear and caution?  How will you ever know?

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 process of decision-making in preparing, formulating and filing an effective Federal Disability Retirement application can be a complex and complicated one.

One’s future is involved; one’s investment in a career; the health concerns, the deteriorating capacity to continue in one’s chosen line of work, and the increasing difficulty of hiding the medical condition – all, and so much more, must be considered before initiating the process of a Federal Disability Retirement application.

With all of this in mind, of the jumble of information and the complexity of the process itself, the best and first step is to consult with an attorney who specializes in Federal Disability Retirement law, in order to gain a balanced perspective, receive all of the necessary information, and to begin to gather the foundational data necessary in order to ultimately make the “right” decision in the process.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: The Netherworld between Sleep and Wakefulness

There is that moment of haziness, where sleep has not yet overtaken and consciousness has not yet been fully lost, where the philosophical abyss of Kierkegaard’s Either/Or stands in relation to knowledge, truth, insight and puzzlement, and where questions abound concerning the relationship between words and the objective reality of constellations clashing amidst bursting stars and black holes.

Sleep is a realm sought after; restorative sleep, a state of being which, without explanation or cause, we accept as a necessity of life’s conundrums.  Without it, or because of a lack thereof, functionality deteriorates, awareness becomes overwhelming, and the capacity to tolerate a normal level of life’s stresses becomes an issue of sensitivity and tearful breakdowns.  Sleep brings us to the other side of darkness; wakefulness, this side of paradise.

Whether because our genetic code has not yet adapted fully through the evolutionary process of survivability, or that technology outpaces the capacity of human intelligence to withstand the constant bombardment of stimuli upon organic receptors devised merely for hunting or gathering, we may never figure out.  Regardless, many are like the sleeping dead, where the netherworld between sleep and wakefulness remain unchanged, and profound fatigue, daily exhaustion and untenable mental fogginess and loss of intellectual acuity impacts one’s daily ability and capacity to make a living.

For Federal employees and U.S. Postal workers who must contend with such an exacerbating and complex state of health, the reality of going through the day, of coming home exhausted and forlorn, yet unable to turn that profound fatigue into a period of respite and restorative sleep, is a reality faced with the concerns of being able to continue in one’s Federal or Postal career.

Sleep disorders are often secondary medical and health issues, following upon primary physical and psychiatric disabilities; but they can also be a primary basis for preparing, formulating and 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.

Whether diagnosed as Sleep Apnea, Insomnia, or a more generalized diagnosis of Sleep Dysfunction or Sleep Disorder, the impact upon one’s cognitive acuity as well as the physical exhaustion felt, which can lead to creating a hazardous workplace phenomena, the Federal or Postal employee who finds that the impact prevents him or her from performing one or more of the essential elements of one’s Federal or Postal positional duties, should consider that the health issue itself is a valid one, and a firm basis for preparing, formulating and filing for Federal Disability Retirement benefits through OPM.

One may, here and there, experience the phenomenon of entering that netherworld between the dark chasm of sleep and the full orientation of wakefulness, and know that drifting between one and the other is likened to the necromancy of human complexity; but when such a condition remains a constancy in one’s life, then it may be time to consider filing for a Federal Disability Retirement annuity, lest the sorcery of life’s dreamworld waves the wand which withers the soul.

Sincerely,

Robert R. McGill, Esquire

 

Federal Medical Retirement: The X Factor

In algebraic equations, it is that unknown variable which remains elusive and concealed, and which must be figured out in order to arrive at the conclusion.  We love those teachers who inform us that “credit” will be “given” for work shown, and that it is not so important to come up with the answer as opposed to the methodology manifested in reaching it.

And so we devised a complex network of signs and symbols, hoping that they concealed the ignorance of our unlearned lack of wisdom.  But the fact remains that leaving the factor unexplained and unfulfilled is like turning one’s back upon a helpless puppy abandoned in the middle of a busy freeway; somehow, the hollowness of leaving behind haunts one with a sense of incompleteness, like the puzzle with a missing piece.

These vestiges of psychological appendages, like damaging mollusks on the underbelly of a drifting boat, remain long after the effort to solve the equation is abandoned; for, in life, we think that all variables have an answer, if only we had listened carefully in the classes we skipped or during which we daydreamed and slept.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to seriously impact one’s ability and capacity to fulfill the positional requirements (or “essential elements”) described, the thought of abandonment through resignation or termination leaves that same taste of dismay and fear, like the residue of pine-goo on the palm of one’s hand.

The “other” option — which constitutes the solution of the X-factor — is 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.   While not widely advertised, OPM Disability Retirement is a benefit which is offered when a Federal or Postal employee is no longer able to, because of a medical condition, perform one or more of the essential elements of one’s positional duties within the Federal government or the U.S. Postal Service.

Thus, instead of remaining static in a state of utter frustration, attempting like those childhood years of yore when scratching one’s head, peeking over surreptitiously at the blank paper on the next desk, or looking with wonderment at the ceiling above as if the gods of information will reveal the answer through the illuminating fluorescence of those linear tubes, the Federal or Postal employee has the ultimate solution for the X-factor within grasp:  preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability: The Chasm between Expectation and Reality

Expectation constitutes the anticipatory goal to be attained sometime in the near or far future; reality is the actualization of the potentiality of one’s imagination.  That anticipatory potentiality, however, can be formulated based upon numerous factors, including:  baseless imagination (more of a child-like quality); desire and hope (with perhaps some admixture of factual context and content, and somewhat of a more mature basis); or sequences of planned actions culminating in a realistic fulfillment based upon actual circumstances analyzed, deliberated upon and ascertained (a mature consequence of purposeful strategies formulated and initiated).

The chasm which exists between one’s expectation, and the reality of fruition, retrospectively reveals the state of maturity (or immaturity) of one’s soul.  That is why gamblers and lottery tickets abound; for, the play upon adolescent wants and desires portends of dreams unfulfilled, desires still unrestrained, and creative imaginations unbounded allowed to wander aimlessly.

For Federal employees and U.S. Postal workers who expected one’s own agency to embrace loyalty and constancy of support just because the Federal or Postal employee showed such honorable characteristics for many years previously, and perhaps for more decades than the half of one’s lifetime, the chasm of reality often hits hard.

Medical conditions can often be “accommodated“, if only in a loose, non-legal sense of the word.  But it is amazing how people and organizations suddenly become quite “legal” in matters where honor should prevail; and in that sense, to be “accommodated” takes on a new and restrictive meaning.  Medical conditions often bring out the worst in people and organizations, and concepts involving the humanity of one’s soul no longer become relevant, but mere irritants to be legally sequestered in order to protect and deny.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s Federal or Postal positional duties, 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, is often the last bastion of hope — hope which bridges the chasm between expectation and reality, and one which sets the path for future security upon the solid foundation of a reality which one may want to shy from, but which one cannot escape in this world of love, hate, humanity and cruelty — the compendium of that complex animal called Man.

Sincerely,

Robert R. McGill, Esquire

 

Federal Medical Retirement: Recalibrating the Reset Button

Preparing for life’s vicissitudes can be a daunting task.  Some never acquire the skills necessary to accommodate the winds of misdirection; others stumble through like a drunken sailor walking down fate’s gangplank, seeing the end but failing to adapt in time to prevent the calamities forewarned.  The very few somehow manage to engage the transformation, like a chameleon who responds to the surrounding environment by becoming invisible within the subtleties of life.

Change is the inevitable essence of life.  From alterations occurring from growth — from birth to adulthood, then to aging decay — to the physical universe of constant transformation; the world is represented by the various metaphors and symbols of permanence and change, of Yin and Yang, of Parmenides and Heraclitus, and in modernity, of the recalibration of the reset button.

For Federal employees and U.S. Postal workers who find themselves with a medical condition which impacts the Federal or Postal employee’s ability and capacity to continue in his or her present career, it is precisely that fear of change which precludes one from engaging in the necessary steps required to adapt, transform, and reset.

If insanity is defined as performing acts of failure repetitively, then the world must by definition be insane, and the Federal or Postal employee who continues down the same path despite all of the headwinds and warning signs present, should be placed in a straightjacket and confined to the halls of antiseptic whitewashed rooms.  Change is always difficult; but it is a necessity of life.  It is the life spring of a vibrant community; and its opposite is a parallel universe of decay, decrepit degradation, and destructive degeneration of death and desperate deterioration (and so, why is the alliteration of negation so rampant with the letter “d”?).

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management for the Federal or Postal employee under FERS, CSRS or CSRS Offset is a step in a changing direction.  It takes the Federal and Postal employee out from the insanity of repetitive failure by allowing for a recalibration of the requisite reset button, and to potentially engage in a future which leaves behind a past replete with hostility and increasingly adverse attitudes.  It secures a base annuity such that one can survive; then, allows for the Federal or Postal employee to work in the private sector and make up to 80% of what one’s former position currently pays.

As change is necessary to the survival of any organism, so stagnation is the result of resistance to transformation; and like the putrid waters of stillness filled with microorganisms waiting to destroy the abdominal walls of the unsuspecting traveler, the Federal or Postal employee who refuses to recalibrate the reset button is merely waiting for the day when the external order will force the change involuntarily, as opposed to he who chooses the day, time and moment of an inevitable fate which awaits us all.

Sincerely,

Robert R. McGill, Esquire