FERS Disability Retirement Benefits: Always Within the Never

It is a phrase borrowed from the book, the Elegance of the Hedgehog.  The movie version follows the novel quite scrupulously, with the former utilizing certain visual applications (example — of Paloma using the video camera; the image of the death and resurrection of the goldfish, and other metaphorical tools more easily adapted to the visual medium of a movie) while the latter goes into greater detail on the background and conversations engaged, especially on Art, Music, Philosophy, etc.

Both are beautifully done in discussing the issues of class structure in France — of the value of education; how we treat one another based upon wealth and background; of what constitutes beauty; and the relevance of one life as opposed to another — of the always within the never.

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 “always” concerns the worth of the Federal or Postal employee whether you can do your job or not, and the “never” is the concept that, just because you are no longer able to perform your job anymore, it does not diminish the value of your worth to society.

Federal Disability Retirement is a benefit accorded to you when you signed up as a Federal or Postal employee.  It is a recognition that human “worth” is partly based upon your past contribution in this world, and that you still have much to contribute beyond the Federal or Postal sector.

Contact an OPM Disability Attorney who specializes in Federal Disability Retirement Law, and assert yourself always within the never.

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.

 

Disability Retirement from the USPS and other Federal Gov. Agencies: Loyalty in Our Time

As a member of The Band, Levon Helm was a fiercely loyal member who was extremely critical of his fellow musician, Robbie Robertson.  The issue which centered upon the bitter feud involved royalties (as all feuds throughout time immemorial involve money) — of who should receive it; what constitutes “writing” a song; who should get credit for it, etc.

There are many adages which our grandparents used to offer — of sayings beginning with, “There are two types of people in the world”, etc.  One such saying might begin with: “There are two types of people in the world — the Levon Helm type, and the Robbie Robertson type…”

The controversy involved the bifurcation of the following: How is a song written: by the origin of the idea, or by the end product involving a collaborative effort?  Levon Helm believed in the latter approach; Robbie Robertson, in the former.  In the end, what was considered as one of the greatest rock bands in the history of music — a group merely called, “The Band” — disintegrated into a bitter end because of a feud over money and loyalty.

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 question of loyalty in our time will test the Federal Agency and the Postal Service.

Should you inform them immediately about your intention to file for Federal Disability Retirement benefits?  How will your past loyalty to your Federal Agency or the Postal Service be “repaid” when they find out that you are filing for Federal Disability Retirement benefits under FERS through the U.S. Office of Personnel Management?  Will the Federal Agency or the Postal Service act like Levon Helm — fiercely loyal — or like Robbie Robertson?

To protect yourself and learn the lesson of loyalty in our time, contact a disability attorney who specializes in OPM Disability Retirement Law.

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: Beware the Goal Reached

Beware the goal reached; for, it often results in the loss of vigilance, a sense of completion, a notion that being ever protective can now cease.  We tend to think in terms of “finish lines” and projects completed; and upon reaching and satisfying that goal, a “letting up” occurs.

The underachiever who believes that he or she need not put any further effort into things because of an early series of conquests and accomplishments; the marriage partner who concludes that no contribution is further required once the proverbial knot is tied; the traveler who let’s his guard down upon avoiding the highway robbers known to lurk in a given area — all, wrong assumptions and dangerous presumptions.

For Federal employees and U.S. Postal workers who file for Federal Disability Retirement benefits, and for those who obtain an approval from OPM — remember that getting an approval from OPM does not mean that OPM cannot take away your benefits in the future.  Maintaining and safeguarding your OPM Federal Disability Retirement benefits is just as important as securing it in the first place.

Contact an attorney who specializes in Federal Disability Retirement, and beware the goal reached.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Benefits: Sacrifices

We all make them; well, perhaps there are some few in the world who never do, and it certainly reflects upon them quite noticeably.  People who don’t sacrifice their own personal interests, at some point in their lives, have a tendency towards selfish behavior, self-centered egotism and a callous disregard for others.  They lack empathy — a quality which is valued in most societies.

During this time of global illnesses and a pandemic which has wreaked havoc upon the livelihoods of countless individuals and businesses, the sacrifices which have endured are innumerable.  Social isolation; being prevented from operating one’s business; of complying with a state’s mandate in a “lock-down” mode; of living amidst fear of an invisible enemy of uncertain mutational capabilities; these, and so much more, have been testing the mettle and extent of sacrifices and the willingness of a society to endure such calls for society’s greater good.

For Federal and Postal employees 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, “sacrifices” is a familiar term.

It is nothing new for the Federal or Postal employee who suffers from a medical condition to sacrifice one’s health in the name of, and for the sake of, furthering the “mission” of the Federal Agency or the Postal Service.  But at some point, one must look after one’s own health and self-interest, and preparing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, becomes a necessity.

Consult with an Attorney who specializes in Federal Disability Retirement Law today, and see what sacrifices may still have to be made before you can medically retire.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement: Choices and Regrets

The two go hand-in-hand, although we may not necessarily see them as unalterable couplets forever ensconced and inseparable. Instead, we often make choices, then afterwards, express our regrets without having learned from the process of “choice-making”.

Choices available are often unanalyzed and nebulous; left to appear, remain inert and ignored; the “active” part of a “choice” is when we engage in the act of “choice-making” — of engaging our minds with an inactive but available “something” — a choice there, but lifeless until the activation of our choosing invigorates the inertia of indecision.

Regrets, on the other hand, are comprised by the dust of past choices made. Once settled, they remain in the hidden caverns of forgotten memories until, one day or hour, or moment of quietude when we have the time to reflect back, the unsettling of the dust collected is stirred and rises from the ashes, like the mythological Phoenix that appears with wings spread and ready for flight into our imagination and stabbing at the vulnerabilities of our inner soul.

We regret that which we have chosen; and like the past that haunts, such regrets are ever so painful when once we recall the choices available and the ones we made.

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 and position, the next steps taken — of choices being made in whether and how to file for Federal Disability Retirement benefits — are important in determining whether regrets will follow.

Consult with an attorney who specializes in Federal Disability Retirement Law, lest the choices to be made will result in regrets later recalled; for in the end, it is the choices that determine the future course of success, and not the regrets that harken back the past of lost opportunities.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement: The Successful Equation

Remember those days in school when — not only did you have to know how to figure out the answer to a question — you actually had to know what the right “equation” was?  Without the proper equation, you could never solve the “problem”.  Yes, yes, you could do some tinkering around the edges — of “figuring out” in some unique way, but ultimately the only way to solve the issue was by rote memorization (something not required, anymore, in this day and age of computers and smartphones) of that mathematical statement on the near side of the equal sign.

If only life were like that — of simply memorizing the equation, then proceeding forward and solving every problem.  But that’s the nub of it all, isn’t it?

Life brings forth encounters and circumstances, “problems” and difficulties that refuse to respond to an equation pre-planned for the vicissitudes of life’s misgivings.  Are mathematicians better at adapting and responding to life’s travails?  Or, do philosophy majors and those who embrace dictums to live by (e.g., that all of life is a “river” and we can never step into the same one twice, and other such Chopra-like platitudes that carry us through difficult times) better sail through the trials that everyone inevitably faces?

The fact is, equations are often best left for mere theoretical applications, and rarely conform to the changes of life’s encounters.

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 search for an “equation” in preparing an effective Federal Disability Retirement application should begin with a consultation with an FERS Disability Attorney who specializes in Federal Disability Retirement Law.

While there may not be a pre-set equation to follow, there are certainly important steps to take in preparing, formulating and filing an effective Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement: The Lifetime Achievement Award

There is a sadness necessarily attached to such an award: It is an acknowledgement that a person’s worth has come to an end.  A life’s end is recognized when such an award is granted, and no one believes that anything further will be attained.  It is a dismissive award — a pinning of a goodby to the lapel of one’s mortality and an applause that soon fades because of achievements recognized and easily forgotten.

No one says of the recipient of such an award, “Boy, but does she have such potential!”  Rather, it is the very awarding of it which is the indicator that: The curtain is closing; the rocking chair is there in the corner; it is time to let others in the door; and, your time has passed.

What can it possibly mean for a person to accept such an award?  How can others determine the achievement within a span of a lifetime, and can it ever be rescinded?  What if, upon receipt of such an award, a person turns around and commits a heinous crime — do we then walk out of the ceremony shaking our heads and whisper to one another, “Well, he would have achieved it but for….”?  Isn’t that always the party-pooper conclusion, when we say of this or that: Except for; but for; if only…?

It is like saying that X was a great president except for Y, or that such-and-such was the best leader but for this-and-that.  To receive or be offered the “lifetime achievement award” is to declare the end of one’s life; to refuse it, is to embrace life and one’s future.

For Federal employees and U.S. Postal workers who believe that filing for Federal Disability Retirement means that it is an “end” to something — somewhat akin to receiving a Lifetime Achievement Award — such a thought should be reconsidered.

Filing for FERS Disability Retirement is not an end, but a mere beginning: It allows the Federal or Postal employee to focus upon one’s health, and then to consider another vocation or career in the private sector by allowing him or her to make up to 80% of what one earned in the Federal sector, and continue to receive a disability retirement annuity. Consult with an attorney who specializes in Federal Disability Retirement Law to “get the facts”, lest you become embroiled in the fallacy that Federal Disability Retirement is tantamount to receiving the Lifetime Achievement Award.

Sincerely,

Robert R. McGill, Esquire

 

FERS Medical Retirement from the OPM: For better or for…

Do we consider what follows the ellipses when making such a vow?

In youth, when the days of summer are endless and the rainfalls are merely seen as sweetness in dancing folly, do we ever consider the meaning, the phrase, the serious connotation of the “worse”, or do we just focus upon the “better” as in, “This is good, tomorrow is better, and the day after will only get better than better”?

Perhaps it is a genetic advantage inherent for survival’s sake that youth never considers the dark side of the moon; for, to be young and innocent of thoughts forsaking a future yet to become is to move forward with bold forthrightness, and only the fittest would survive such folly of thoughtless advancement.

Would armies have defeated the odds if trepidation of thought were to dominate?  Would the genetic pool of the daring be muddled if not for the foolish stumbling into a future unknown?  What fool thinks about the “worse” when the “better” is right before your eyes?

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 thought of “worse” never came to mind until the medical condition first appeared, then remained, then worsened, then became a chronic condition like an uninvited guest who overstays the welcome of niceties left unstated.

Filing for OPM Disability Retirement benefits takes into account both perspectives of the vow that was once stated but never thought of: It is because of the “worse” but it is for the “better”.

The “worse” is the ongoing medical condition that has deteriorated such that it necessitates filing for Federal Disability Retirement benefits under FERS through the U.S. Office of Personnel Management; and the “better” is that, once your Federal Disability Retirement application is approved, you can focus upon your health, the tomorrow of a future yet uncertain, and the commitment to another vow left unstated: To take care of yourself.

Sincerely,

Robert R. McGill, Esquire

 

Filing for OPM Disability Retirement: Time wasted

It all depends upon one’s perspective, doesn’t it?  For some, watching television is time wasted; for others, reading a novel, and even within that subset of opinions and viewpoints, it often depends upon “what” you are reading before the hammer of judgement is struck: If a beach-time novel, then it is a waste of time; if a classic, then you are utilizing your time wisely.

But what if you are, in fact, sitting on the beach enjoying the lazy lapping of waves, and merely want to get lost in the fantasy of a junk novel — isn’t relaxation a good use of one’s time?  When does “constructive” relaxation turn into time wasted — i.e., laziness?  Is it when the bare necessities of life are no longer attended to?

Of that proverbial brother in-law or other distant relation who is whispered about, who barely holds on to a job, is found spending more time at the corner pub than attending to one’s kids, or the one who constantly oversleeps, overstays his welcome or overstates his woes — is it just a guy who likes to relax, or is he a lazy bum?

Is there a mathematical formula in determining when time is well spent doing nothing, or is wasted?   Sort of like: Time multiplied by the extent of bare necessities required divided by the extent of need, minus particular circumstances that must be taken into account factored by 3.

Can a lifetime be wasted, and if so, what would be the criteria to be applied or imposed?  A wealthy person might contend: We have about 60 years or so to make our fortunes, and if a person has not done so within that timeframe, it is a lifetime wasted.  Some others might counter with: Amassing wealth is not the sole criteria of a worthwhile life; the fostering of human relationships, of making someone else more comfortable, or of even granting a dog some happiness, is what makes this life a worthy one.

Does a medical condition bring about a differing perspective?  For the wealthy person who makes enemies throughout and angers almost everyone with his or her single-minded focus while disregarding the feelings of all else, but who suddenly is hit with deteriorating health — does time take on a different meaning?

For Federal employees and U.S. Postal workers who suffer from a medical condition, where the medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s job — is time being wasted by the struggle itself?  Does it appear that everything is an uphill struggle: of juggling doctor’s appointments, work, family obligations, etc.?

Preparing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, may not be the best solution of all, but it may be the most prudent one, as time is not a friend to be wasted when it comes to one’s health and future security.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Government Employees: The rate of return

At what point does the rate of return diminish to the extent that it is “no longer worth it.”?  And, what is the “it” referring to?  Is it the effort expended in contrast to the compensation received?  Is it the dividends paid upon an investment ignored?

Often, in all of the contexts just described, the focus is upon the wrong point; it is not the “end product” or the final sum that should determine the worthwhile aspect of the “rate of return”, but rather, the key term overlooked — not the “return”, but the “rate”.  One might argue that the two essentially are the same, inasmuch as the “return” (the sum received) is determined by the “rate” (the calculus that determines).  But are they?  Doesn’t it depend upon what context it is being applied to?

Certainly, when conceived of in a traditional investment category, the final sum received can be backtracked to the rate that has been applied; but what about other, more non-traditional contexts, such as friendships, work — even marriage?  Or does one never apply such cold-hearted calculations when discoursing upon the arena of human relationships?  Can we so easily drop friendships and end marriages based upon the same criteria applied in changing investment firms?

Come to think of it, our own lack of active interest is probably the single biggest reason that marriages and friendships last — because, like those investments that we allow to remain because we are too lazy to take an active interest in, many remain in marriages and friendships well beyond the love that has been lost long ago, or the affection that has waned all too subtly; for, in the end, it is our own laziness and lack of motivation that allows the fallowed pastures to let life slowly die in the uncaring tenements of thoughtless stupor.

For Federal employees and U.S. Postal workers that suffer from a medical condition, such that the medical condition begins to prevent the full performance of one’s positional duties and the essential elements of the job, the conceptual paradigm of the “rate of return” should be applied in contemplating whether or not to file for Federal Disability Retirement benefits.

Surely, the Federal Agency or the Postmaster is thinking along the same lines — is he/she getting the job done?  Can I get more out of someone else?

That is the Agency’s perspective; but what about yours?  Such questions as: Is my health going to improve by remaining?  What will the future options be: remain, resign or file for Federal Disability Retirement benefits?

If the first and second choices are no longer real options, then the third one is a necessity, as it becomes clear that the rate of return is no longer a worthwhile investment to remain in a job that clearly is destroying any semblance of one’s quality of life — and that, in the end, is what the purpose of the investment was all about to begin with.

Sincerely,

Robert R. McGill, Esquire