Medical Retirement under the Federal Employees Retirement System (FERS): Money

We all groan about it (well, perhaps there does exist a 1% who never worries about it).  We complain and moan.  There is never enough.  When an unexpected amount is received, it provides a momentary thrill.

Idealists bemoan it but recognize its transactional necessity in an economy no longer viable in bartering terms; talking heads who self-proclaim to be “financial experts” (whatever species of animals they are, no one knows) talk about value, worth, “printing too much”, “pumping” too little, etc., leaving us all confused.  In the end, it is always a matter of, “How much”.

For Federal Employees and U.S. Postal workers who suffer from a medical condition such that the medical condition necessitates filing for Federal Disability Retirement benefits under FERS from OPM, the question of “how much” is a simple calculus of receiving 60% of the average of one’s highest-3 consecutive years of Federal Service for the first year, then 40% every year thereafter until age 62, at which point the annuity gets recalculated based upon the total number of years of service when you reach age 62, including the time that you are on disability retirement.

Thus, you are actually “building up” your regular retirement by being on disability retirement, as those years you are on disability retirement count towards your total number of years of service when recalculated at age 62.

Imagine that — you receive an annuity (money) while on disability retirement, and at the same time, you are building up your retirement system so that, when you turn age 62, those years you were on disability retirement are calculated and added on to the years of Federal Service you had before you went on disability retirement.  It is money well earned and deserved.

Sincerely,

Robert R. McGill, Lawyer

 

Federal Employees with Permanent but Partial Disabilities: The Delay of Time

We grumble and complain about “losing” an hour in Spring’s moving forward for the time change, and are glad to accept the “gain” of it in the Fall.  In either case, we recognize that we have neither lost the hour, nor gained it; it is merely the artificial alteration of clocks uniformly and by international agreement accepted.

The true loss is in the delay of time — of our actions, our thoughts, our lack of initiative in moving forward when necessity dictates a change in our lives.

Medical conditions tend to do that — they force us to delay time, hoping that it will go away, change course, and one day deemed to have been merely a bad dream, a nightmare to be forgotten.  But they remain with us — slowing us down, delaying the inevitable: Our career needs to change; we need to adapt to our circumstances.

For Federal employees and U.S. Postal workers who suffer from a medical condition and have been hoping that the delay of time might change some things, it should be clear that time is never a friend of an injury or disease — it merely provokes us into the false notion that time will ultimately heal.

Contact an OPM Disability Attorney who specializes in FERS Disability Retirement Law and consider that the delay of time will only make an emergency out of what is now merely an urgency.

Sincerely,

Robert R. McGill, Esquire

 

Filing for OPM Disability Retirement: Palatable possibilities

We often hear of that which is “possible”, then immediately pause to consider the probabilities of such declared possibilities.  For, isn’t it possible that there are martians on the far side of the moon, or that we all live in a dream, dreamt by the fragile whisperings of a butterfly, or that everything that we see, hear and experience is just nothing more than pure bosh, and Bertrand Russell was quite right after all, that our rumblings of metaphysical yearnings were merely a result of a stomach virus that needed an antacid to cure?

At what point are possibilities presented no longer palatable, and where are the limits of our imaginations such that reality clashes with fantasy and the medium between the two becomes so stretched that we cannot fathom their practical effects?  Have we come to a point now where supermarket tabloids are just as believable as mainline newspapers that cross the thresholds between truth and opinion?  Is virtual reality just as pleasurable as “real” reality, and does the realness of reality depend merely upon one’s perspective and opinion and how we view things?

Then, of course, there is the reality of a medical condition, and everything comes crashing down into a singular reality: mortality and health tend to bring us “back to the basics”.

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 job, what possibilities are palatable; whether possibilities presented are meaningful; it all comes down to the pragmatic choices from three: Stay, walk away or 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.

The real possibilities in life are generally quite simple; it is the luxury of the healthy to entertain the greater expanse of palatable possibilities, but for the Federal or Postal employee who is faced with a chronic and progressively debilitating medical condition, the choices are stark and limited.  It is within those limitations that the palatable possibilities must be carefully chosen, and such course of actions to be chosen should be advised and guided by a consultation with an attorney who specializes in OPM Disability Retirement, lest the palatable possibilities turn out to be an unpalatable probability chosen out of a mistaken belief in the existence of palatable possibilities.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Holidays and weekends

It is often a difficult time for many, if not impossible for most.  Holidays represent the heightened requirement of gaiety and relaxedness (is that even a word?), where people get together, families gather and children run while without knowing the underlying reason, if only to reinforce the belief that had already been in place from the previous year – that holidays and weekends are a stressful time.

There is the familiar refrain: “Oh, the weekend is coming up!”  To which the afterthought by the grump always reminds: “And Monday always follows.”  Similarly, with holidays, the anticipation is often better than the reality: “Oh, the joyous holidays!”  And yet…  For many, if not most, it is a time of greater stress, of needing to get together with obligatory family members, and especially with those whom one doesn’t even care for.  Exacerbating the situation is often an underlying medical condition.

For Federal employees and U.S. Postal workers, the vicious cycle may be the weekends that are used to merely recuperate in order to survive during the work week.  Thus, instead of enjoying, relaxing, “doing things”, tinkering, etc., the weekend becomes a haven and refuge to regain just enough strength or rest the aching body in order to get through the grueling week of work.  Similarly, holidays become merely an extension of a weekend, and a 3-day weekend is just a longer excuse to hide away and lick one’s wounds.

For Federal employees and U.S. Postal workers who suffer from a psychiatric condition, including Major Depression, Anxiety, PTSD, panic attacks, agoraphobia, Bipolar Disorder, etc., holidays and weekends can further deepen the heightened reality of anxiety and depression, as the stress of the holidays themselves and the anticipation of what follows after a weekend can become magnified beyond comprehension and tolerance.

Consider preparing and filing an effective Federal Disability Retirement application through the U.S. Office of Personnel Management; for, if holidays and weekends have become a tumultuous time of overwhelming pain and despondency, and not the interlude to be enjoyed and become excited about, then it may be time to consider that the impact of the medical condition upon one’s ability and capacity to perform the essential elements of one’s Federal or Postal job is the underlying reason why the medical condition itself is worsening.

Holidays and weekends are not meant to be exclusively lived for; they are supposed to be mere intermissions where the rest of the week as well is looked forward to.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement for Federal Employees: Last

It is a peculiar word; for, it can mean both the final, end and trailing subject remaining in the far recesses of a sequence, likely to be forgotten and – except for the Biblical reference where such an entity can be accelerated to the front of the proverbial line – surely to be abandoned; yet, it also connotes endurance, the capacity to outfox others in similar circumstances, and the symbolic appearance of vitality and energy.  “Oh, that’s the last thing in the world you want to buy”, goes the dismissive utterance in considering that which is not of significance or relevance as a priority to be considered.  And:  “That’s one of a kind – it will last forever,” comes the accolade showered upon a product of excellence.

How can a single word comprised of four letters – the required singular vowel and the remainder of consonants surrounding like a moat protecting the castle encasing and elevating the royalty of linguistic peculiarities – possess such a diversity of meanings, like antonyms inherent in a conglomerate of a sole voice conflicted and yet without self-contradiction?  Is it like the grammatical equivalent of a tortoise in that famed fable who is considered always to be last, yet endures the scorn and scoffing of an audience that has no clue about that which will last beyond the ordinary circumstances of normative equivalency?

Yet, despite its innate complexity of meanings, ordinary people every day use it with aplomb, confidence and without any internal sense of being confounded by the challenges posed.  You don’t have to earn a higher-level degree or spend years of hermeneutical turmoil in order to offhandedly fling about in the daily language games engaged.  “I hope the good weather lasts”; “We’re the last ones in line”; “It is bad manners to take the last one”; “The parties hope for a lasting peace”.

For Federal employees and U.S. Postal employees who need to file a Federal Disability Retirement application through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the process of enduring a Federal Disability Retirement procedure will have a lasting impact upon the Federal and Postal employee, and this is especially true whether the Federal or Postal employee is the last person standing, in a proverbial sense, and often that is how the Federal and Postal employee feels – as if he or she is the last person in the Federal Agency or Postal facility to be considered for anything, because he or she is targeted as that last bastion of a thorn in the metaphorical backside of a lasting fight against the last thing the Federal Agency or Postal facility wants to deal with – the last man standing who will last through the harassment, intimidation and adversarial process of a lasting Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Lawyer: The Recurrent Nightmare

Perhaps it is explicit, of images which repetitively beat the drum of constancy; or, sometimes, despite every effort, one cannot recall the harrowing particulars of a nighttime of eternity filled with dissipation of fear and loathing.

Restorative sleep is lacking; whether from pain, nightmares or paralyzing panic attacks; and the medical designation of insomnia, Obstructive Sleep Apnea, or psychiatric conditions of Generalized Anxiety Disorder, intrusive nightmares; or perhaps it is much more direct and simple:  pain which prevents getting into a comfortable position in order to drift off into the dreamland of serenity, and where the sharpness compels one to awaken with a scream, only to find that it is the silence of one’s aloneness which permeates the quietude of the voice which no one hears.

The next morning, the profound fatigue and exhaustion, beyond the mere ache of tiredness, with residual cognitive dysfunctions,follows one throughout the day, like a scent of undefinable and unidentifiable aura, always there but never quite connected, either in location, distance or substantive content.  For Federal employees and U.S. Postal workers who experience a semblance of such a state of being, it becomes like a recurrent nightmare, and work becomes impacted in so many different ways.

In physical-intensive jobs, in the greater potentiality for mistakes and accidents; in cognitive-focused positions, in analytical miscues and inability to focus and concentrate.  Perhaps it all becomes reflected in one’s performance review, or one becomes placed on a “Performance Improvement Plan” (a PIP); or even be handed an Agency’s Proposed Removal; whatever the cost, for the Federal or Postal worker, it is time to consider preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal or Postal worker is under FERS, CSRS or CSRS Offset.

No, Federal Disability Retirement is not the “be all” and “end all” of solutions; but it is an option which should always be considered when once the recurrent nightmare engulfs the Federal or Postal worker with consequences of adverse actions imposed upon a fragile state of being ready to crack under the weight of a chronic disease or medical condition of such seriousness and sufficiency as to have impacted one’s capacity to perform all of the essential elements of one’s positional duties.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Benefits for Federal and Postal Workers: Clarity of Purpose

Most of life’s events are characterized by coincidental stumbling; of chance meetings, of happening upon something that one is good at; or of taking on a job thinking that a couple of years of steady employment will allow for time while one tries to “find your direction”, as if compasses determined by magnetic fields will reveal the mysterious paths of life’s unsympathetic gaze.  It is rare that one begins with a purposive mind, commits to it, shows a continuum of unwavering direction, and declares at the end that there was never a doubt throughout.

Such can be, of course, for specified projects, or in making a late-stage career move; there, clarity of purpose is required. Traumas, major life-changing events, and sudden dawning of revelatory consciousness; these are the ingredients of an awakening from slumber.  It is tantamount to the famous quip attributed to Admiral Yamamoto after the attack upon Pearl Harbor, that the event served to “awaken a sleeping giant”.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition requires more than temporary measures of palliative effect, consideration in 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 referred to as an “awakening event”, and one which is compelled by a clarity of purpose.

That clarity of purpose, however, must not only be in the determination of preparing, formulating and filing for Federal OPM Disability Retirement benefits, but should by necessity be conveyed to OPM in both purposive effect and clarity of persuasion. Filing for Federal Disability Retirement benefits is not just a matter of gathering some medical documentation and submitting them; nor is it sufficient to sign a release with the doctor’s office to forward such information to “see if” one qualifies.

No, it is an affirmative action where chance should be made into a limited luxury, and the odds should favor an approval.  For, in the end, clarity is not one of those occurrences which arises through chance, and purpose by definition is not revealed through happenstance; and while “e-harmony” may entice some with claims of scientific algorithms touting success rates defying the statistical dismay of current divorce rates, it is clarity of purpose which will determine the successful outcome in preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.

Sincerely,

Robert R. McGill, Esquire