Disability Retirement under FERS: Adopting an Adaptive Plan

Most of us barely have one; and when we do, we quickly forget about it and move on, satisfied that —by the mere declaration of having one — we need not implement it or follow it rigorously beyond the mere possession of it.

The old Soviet Union (do we remember what the abbreviation, “U.S.S.R.” stood for?) had 5 and 10 year plans, and when the stated goals were not met, they simply cooked the books and declared that they were well ahead of the declared plans, and so the satellite nations under the rubric of the “Union of Soviet Socialist Republics” nodded its approval and genuflected to the Soviet Central Planning Committee (for, you couldn’t have a plan unless there were multiple committees to make those plans) and were grateful for the plans even though their populace were starving, despite the declared success of all of that planning.

Battlefield officers rely upon them; although, in recent years, because war is no longer fought by armies planning an attack upon other armies, the need for adopting an adaptive plan has become a survival necessity.  Life itself rarely follows a plan; most of the time, one’s day is consumed by just trying to survive.

When a medical condition hits us, of course, then all of the planning in the world — from a retrospective and myopic viewpoint — didn’t amount to much.  What is the plan, then, for a Federal or Postal employee who can no longer perform his or her job because of the medical conditions that prevent one from doing so?

The Federal Disability Retirement “plan” is to allow for a Federal or Postal employee to file for OPM Medical Retirement benefits under FERS, so that the Federal employee can medically retire, focus upon one’s health and still, hopefully, enter the workforce in the near or mid-future and continue to contribute, all the while receiving a disability retirement annuity.  Now, that sounds like adopting an adaptive plan where interruption of a life plan allows for some grace beyond lack of planning.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Benefits: The Inside View

There is the “outside” perspective as opposed to the “inside view”, and that is the mistake people make in various sectors of life: The “outsider” believes that, from a position and perspective of detachment and therefore objectivity, he or she is able to better assess, evaluate and analyze the event, situation or conditions experienced than by those on the “inside”.

By contrast, the “insider” views the outsider with suspicion, contending that he or she has no idea about the experiences and existential difficulties faced by the insider, and that a detached, objective viewpoint which fails to take into consideration the subjective, “personal” side of things misses the essential point of the issue.

It is the tension which exists between the townspeople and the “out-of-towner”; the one who lives in a community as opposed to the renter or investor; or of the person who drives around the neighborhood admiring the green lawns, the peaceful nature and the tranquility of a community, hoping to one day purchase a home there without knowing the problems inherent — say, that the water is contaminated or that there has been a rash of burglaries on the rise in recent years.

How does one break the invisible wall between the inside view and the outside perspective?  When does the demarcation between the two disappear?  Do numbers of years living within a community determine whether an outsider becomes an insider?

For Federal employees and U.S. Postal workers who are considering preparing, formulating and filing an effective Federal Disability Retirement application because of a medical condition which has come to a critical point where the Federal or Postal worker can no longer perform one or more of the essential elements of one’s Federal or Postal job, it often “feels” like one has all of a sudden become an “outsider” again — not only from one’s own agency or the Postal Service, but moreover, because of the complexity of the administrative procedures and bureaucratic morass of the U.S. Office of Personnel Management — of the sense that the whole process is strange and detached.

Consulting with an attorney who specializes in Federal Disability Retirement Law is a good first step in bridging the gap that widens when first encountering that feeling, in order to get an “inside view” of what it takes to prepare, formulate and file an effective Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement under FERS: Castles in the air

Is it the same idea as Cervantes’ Don Quixote who charges at the wind mills?  Or of Don McLean’s soulful lyrics when he wrote, “And if she asks you why you can tell her that I told you, That I’m tired of Castles in the Air.”?

Is there a difference between dreams and visions realized, and those that remain as castles in the air?  Are such unrealized castles merely the childish remnants that were left behind within the bundled laughter of grown-ups who saw the folly of youth, or are they they vestiges of frustrations discarded because, when we “grow up”, we realize that reality doesn’t quite share the optimism of youth’s unfettered vision?

Whatever the origin, wherever the spark, it is important to preserve a semblance of a dream, even if never realized.  The “dungeon” is its antonym, where all such dreams drain because the lowest point of any location is where the water flows and the desolation of a desert abounds.

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, it may well be that castles no longer exist in the air or elsewhere; that the medical condition itself has become the “reality” that one must deal with, and castles — in the air, on the ground, or somewhere far away — is a luxury one cannot afford to even consider.

And filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management may be the farthest thing from childhood dreams of what you saw yourself achieving; but in the end, it is the best option available precisely because it frees you from the workplace harassment, embarrassment and resentment where work is no longer compatible with your medical conditions; and as for those castles in the air?

They may still be there once you can focus upon and regain your health; for it is the dream even unrealized that allows for human creativity to spawn and spread, but the pain of a chronic medical condition is what makes of us all the Don Quixote who charges at harmless windmills.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Wisdom’s hold on life

We never quite “get it”.  Trans-generational imputing of wisdom is not part of modern society.  In more “traditional” societies, multi-generational families live together out of practical reasons:  Not only is it less expensive if the earnings are pooled into a single resource of means, but until marriage or an offer of economic leverage pulls a member away from the core, imparting of wisdom, experience and voices of learned care may be passed down from generation to generation.  In the West, instead, the rush is to depart and fracture; to get away as quickly as possible; for, as youth is the cult of modernity, so folly of youth is the means by which we live.

That was the point of alternative interactions, as well – of apprenticeships, internships and other similar ships moored to more experienced hands; but even those are now relics of an age no longer relevant.  And of age – old men with decades of experience in handling matters of great complexity, shuttled away into homes smelling of antiseptic camouflaging of decay and devoid of respect or gratitude; women who once gained a stature of serene contentment, now deluged in a cauldron of impoverishment and relegated to the insignificance of lost memories.  Where is wisdom’s hold upon life?

There is, in the end, no means for generational transfer of wisdom, and the wheel must be reinvented at every turn, by an ignorant and inexperienced first generation where “first” is always reenacted and “generation” is merely something to submit to have a family tree drawn in order to boast of one’s genetic predisposition towards folly and foolishness.  Yet, we have come to believe that wisdom can be equated to information, and so we hand out Smartphones so that we can mindlessly look up data, soft news and questionable sources where references cannot be verified, plagiarism may be rampant, and esoteric knowledge has been forever generalized to a point of neutrality of purpose.

Where do we get wisdom?  From advice columns, gurus of booksellers hinting of “secret” formulas and self-serving wanna-bees of Dear Abby.  Once, wisdom’s hold on life resulted in an evolution of greater growth, as generational transfer allowed for each within the greater whole to advance beyond the elementary foundations of first principles.  Now, we are solitary, isolated and disconnected.

For Federal employees and U.S. Postal workers who need to prepare, formulate and file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, wisdom’s latent hold on life should not make one pause, but rather, as the dissemination of knowledge, information and guidance can be accessed through an experienced lawyer who has faced OPM many times, life need not be anticipated, but advanced beyond the folly of youth where wisdom’s hold on life is but a moment devoid of influence.

Sincerely,

Robert R. McGill, Esquire