Tag Archives: fers health insurance when you are forced to retirement for health reasons

FERS Disability Retirement: The Dream Fading

The two primary meanings of such a concept: Of awakening, and there is a mist of sleepiness and a vague memory of dreams dreamt; but if one fails to pause for a moment to capture the dream, to think about it, cuddle with it, hug and embrace it; and instead, we often say to ourselves, “Oh, let me remember it later” and go on with our morning chores, only to never regain the dream fading.

It is like the elusive elf or fairy; unless we take the time to seek them within the deeper forest, they disappear, never to return.

Then, of the second meaning: Of our hopes and dreams; of a world slowly descending into madness, and with it, the dream fading.

Sometimes, some things are best ill-defined; for, to define something is to forever capture it and contain it, restrict it.  That is why many “primitive” cultures refused to have their photographs taken; for, to have a picture taken is to have your image captured and imprisoned; and worse yet, to then have the photograph later “framed” is to have the imprisonment further boxed into a restraining enclosure of permanency inescapably determined, as fate without hope of options.

And so, when we talk about a person’s or a society’s “dreams”, it is best to leave it undefined so as to give it room for the imagination.

Do all peoples, civilizations, societies and communities have “dreams”?  Do all parents everywhere and all across the spectrum have “dreams” for their children?

In both and either conceptual constructs, the key is to embrace it upon awakening — before it fades, before it becomes imprisoned into the nether world of forgetfulness.  The Dream fading — before it does, grasp it, embrace it, hold it tight.

For Federal employees and U.S. Postal Service workers all across the world who once had dreams of an extended and successful career with the Federal Government, it may seem like a dream fading when your medical conditions impact you and prevent you from continuing in your career.  Yet, always remember that there will be another night of dreams and other opportunities for dreaming.

FERS Disability Retirement is not an end in and of itself, but rather, a “beginning” of sorts — of allowing you to regroup and to dream beyond your present career.

Contact an OPM Disability Attorney who specializes in Federal Disability Retirement Law, and let not last night’s dream be the one you forgot, or tonight’s dream you failed to remember; rather, let tomorrow’s dream be the one which establishes a greater future for another day.

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 Employee Disability Retirement: Toughing it Out

That is what most of us do, because that is what we are expected to do.  It is a concept which is gender-neutral, in these days of modernity.  Yes, there was a time past, where the female species was given somewhat of a “pass” if she showed weakness or lack of endurance; that, somehow, and for whatever reason, our ancestors referred to women as the “weaker” gender.

No longer.  Women are just as capable (was there ever any doubt of that?); women are just as strong; women are just as X.  And so, the result is that women are also expected to “tough it out”.  Whatever the context of such an expectation, the problem with always trying to tough it out is that it can be a self-defeating proposition.  It is not always in one’s best interest to tough it out.

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 position, toughing it out may actually be harming your case.  Consult with an OPM Disability Attorney who specializes in Federal Disability Retirement Law, and consider whether or not you might want to consider an exception to the societal expectation of always “toughing it out”.

Sincerely,

Robert R. McGill
Federal Disability Lawyer

   

Federal Disability Retirement: The memory of greener pastures

Are memories faulty, and are they so for a purpose?  Does the human psyche selectively extrapolate the positive and repress the negative precisely in order to preserve an optimism that will incentivize survival?  If our memory banks retain a pessimism such that the overload of negative images cumulatively dominates, wouldn’t the subtle forces of depression set in to overwhelm us?

The memory of greener pastures — are they true in an objective sense, or only in the selective and myopic perspective that has filtered the negation of subjective desires?  Was childhood as innocent as we remember?  Were the ice cream cones on a hot summer’s day better then, and the wintry winds of Christmas Eve so filled with anticipation of glee that yesterday’s joy was tenfold the truth of untold lies?

We do tend to remember the summers of yesteryear, and of thinking that the lights across the street glow a warmth of love and fidelity; and yet, we know that the room within which we stand is likely a reflection of a reality no lesser, nor no greater, than the greener pastures across the way.  Except when a medical condition hits us.  Then, the memory of greener pastures always reflect the “before” — before the condition worsened; before it began to impact my work; before it became a chronic condition.

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 is often the memory of greener pastures that finally prompts the Federal or Postal employee into preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management under FERS.

For, the greener pastures that once were can still be those of tomorrow, but only if the focus of one’s life can attend first to the medical condition itself, without the greater burden of work and the harassment and constant hostility of the Federal Agency or the U.S. Postal Service.

To preserve and hold sacred the memory of greener pastures is to prioritize the things that we hold dear and important, and one’s health should be at the top of the list of such priorities.  Protect it by preparing, formulating and filing an effective FERS Disability Retirement application, to be filed through OPM so that those memories of greener pastures in yesteryear’s childhood joys will not be subsumed by the worries of one’s deteriorating future.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: The little pleasures in life

One often suspects that the concept itself was invented by the wealthy and scornful — perhaps in some back room where caviar and champagne were being served, and someone whispering, “Let the little people have some little pleasures in life…”.  It is that which we are prevailed upon to believe as the ultimate contentment of life: of the “little pleasures” that pass by as the greater significance, as opposed to owning an original Monet or a Renoir.

Is it all bosh?  Does sitting alone with a fresh cup of coffee before the din of life invades — can one glean any greater pleasure than that very moment of quietude just before?  When one stands in those rare moments of uplifting insights — as when, on a clear and darkened sky, you look up and see the trail of a shooting star — does the fact that everything else in the world seems to be falling apart make up for it because you suddenly realize the majesty of the colorful universe above?  Or of a playful lick from your pet dog, the squealing laughter from a child’s joy, and even of the simple pleasure of reading; do these bring greater pleasures than caviar and the roar of a yacht’s engine?

Perhaps there is truth in the admonition of the wealthy that little people should be allowed to enjoy the little pleasures in life; otherwise, what would we all be left with?

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 Federal or Postal job, the little pleasures in life will often have become the greater tragedies of reminders — reminders that you cannot even do those things you once took for granted.

When that critical juncture of realization comes about, then there is often the further recognition that it is time to prepare, formulate and file for Federal Disability Retirement benefits, to be submitted through the U.S. Office of Personnel Management, in order “go back to the basics” — of prioritizing one’s health as opposed to work and career; of regaining the little pleasures of life, like having a restful sleep without the interruption from pain or anxiety.

For, in the end, whether born of wealth and privilege or of ever struggling to meet a bill, it is truly the simple pleasures of life that provide for the foundational clarity of truth in a world that promotes falsity that becomes revealed when the importance of one’s health comes to the fore.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement under FERS & CSRS: Technically correct

What does a person mean when it is said, “Yes, that is technically correct”?  Does it matter where the inflection resides, or which part of the statement is emphasized?  If greater syllabic magnification is placed on the word itself, whilst the remainder of the sentence is left in a monotone of boredom, is something else being conveyed beyond the mere words declared?

What if the hesitation on the first word is elongated, as in, “Ye-e-e-s, you are technically correct.”?  Or, how about this one:  “Y-e-e-e-s…you ARE technically correct.”?  Further, why do we always expect a conjunction to follow, as in, “Yes, you are technically correct, but…”?  Does such a sentence imply that a person can also be un-technically correct?  If so, what would that mean and what factors would be included in coming to such a conclusion?

What practical or real-life consequences are inherent in the truth of such a statement, such that it might alter or modify our approach to a given subject?  If an engineer is building a skyscraper and turns to the architect and says,” Yes, you may be technically correct, but the entire building could nonetheless collapse” — how is it possible that the architect could be “technically correct” yet mistake the un-technical side of things such that it could result in a life-threatening disaster?

Or, in law, if a lawyer is “technically correct” but might nevertheless lose a case before a jury, does that mean that the “technical” argument in the law may not carry the day because the jury might take into consideration factors other than the law itself in rendering its collective decision?  Yet, isn’t “the law” nothing more than an aggregate of technicalities to begin with, and therefore, does it even make sense to speak of being “technically correct” within the purview of the legal arena?

For Federal employees and U.S. Postal workers who are contemplating preparing, formulating and filing an effective Federal Disability Retirement application, to be technically filed with the U.S. Office of Personnel Management, whether technically under FERS, CSRS or CSRS Offset, it may be technically correct that certain legal criteria must be technically met; however, when putting together a Federal Disability Retirement application, just remember that the technically sufficient Federal Disability Retirement application should always, technically speaking, contain an aggregation of medical documentation, legal argumentation and personal narrative combined to make an effective presentation, better guided by a legal technician otherwise known as a counselor, attorney or lawyer in this technically empowered universe — technically speaking, of course.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The changing straw

The “straw that broke the camel’s back” is a known idiom that essentially reveals to us the last in the series of incidents or actions that cumulatively result in the destruction of the whole.  What in the series preceding the last straw; of what weight and import; to what significance may be attributable, we rarely focus upon; it is the last one in the series that we focus our attention upon, precisely because we assume that it is the causal connection to the event that conclusively occurs with a finality of actions.

Yet, as Hume would point out, the fact that a “final straw” placed upon the camel’s back resulted in the next event following, does not establish a causation where that final straw was in fact the cause before the effect.  It merely shows us that X occurred prior to Y’s conclusion.  If a rooster awakens and makes his morning call and the sun rises upon the horizon, and thereafter an earthquake shakes the foundation of the planet, do we conclude that the rooster was the final straw, or that the rising of the sun “caused” the tectonic shifts beneath?

No – the idiom itself, of course, is not meant to be analyzed in that manner; rather, it is a “saying” that merely denotes that, upon a series of events, issues or actions, there comes a boiling point of finality where enough is enough.  But the evolution of societal norms does, indeed, allow for the straw to change over time.

Once upon a time, people “stuck it out” and remained married – if only to keep one’s vows, or for the “sake of the children”, or perhaps some other noble purpose.  Now, the “straw” that results in a divorce has changed – it can range from “failing to communicate” or even because one spouse has gotten bored of the other.  With that changing straw, people tend to tread lightly, given the low threshold of tolerance.  Law is somewhat like the changing straw – perhaps not the substance (although that can change through legislative action), but certainly the application.

For Federal or Postal employees 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 issue to always be kept at the forefront is the changing straw throughout – what is the “straw” at work which will help make the decision?  What “last straw” is needed before the cumulative effects of the medical conditions persuade you to realize the need to file?  What “straw” of the law needs to be applied to persuade as to the viability of one’s Federal Disability Retirement application?

There are many “last straws” in life, and much of them change as time goes on; the law, however, remains fairly constant, except for the “last straw” of legal opinions that often alter the landscape of substance and applicability.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Workers: Of other’s misery

It may give one a sense of short-term satisfaction; sort of like Chinese carry-out, it satisfies for an hour or so, then seems to lose its efficacy for fulfillment.  Whereas, there are other foods that tend to last for greater time; and so it is with receiving news or information of other’s misery.  It certainly allows for a comparison of sorts; of tilting balances imagined, or even for contrasting accomplishments forsaken, dreams yet unfulfilled or misery unabated.

Of other’s misery – we condescend, conceal our delight and contend that we care and “feel terribly”; in other words, we sit and do nothing about it, even if we were able to.  Oh, we give the proper lip-service, of course: “How terrible”; “What a shame”; “What can one do?”  But all the while, inside, we whisper in soliloquys that harbor those feelings of secretive annoyances that say, “Thank goodness it is the other guy,” and begin to take an inventory of relief and comparative analysis of how best to take advantage of the situation.

Is that too cynical a viewpoint?  Does Machiavelli live within all of us?  Perhaps not to the extent described.  Then, what of other’s misery?  At a minimum, it provides a contrast and places us in a state of reality that says, Maybe our situation is not so bad after all.  Contentment by contrast of balancing the misery of others, however, is no way to live.

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, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the key to preparing a successful and effective Federal Disability Retirement application to be submitted to the U.S. Office of Personnel Management is not by comparing the content of other’s misery, but by a direct creation of a nexus between one’s own medical condition and the essential elements of one’s position description.

Forget the instinctively wrong-headed approach of asking, “Well, does X-medical condition qualify if so-and-so had the same condition and was still able to work?” Or: “There are others more bad off than I am, so…”  So what?  Federal Disability Retirement is a specific legal basis that requires specificity as to individual circumstances.  It is irrelevant as to issues of other’s misery; it is one’s own that one must focus upon.

Sincerely,

Robert R. McGill, Esquire

 

CSRS & FERS Medical Disability Retirement: Regarding dogs and books

They are the two default positions to happiness, loneliness and sorrowful days that can only be solved along with a cup of hot chocolate.  What is amazing and somewhat perplexing is that, as to the former, the very fact that one species of life can have such a close and interacting relationship with another existent species is an incomprehensible truism steeped in beauty.

History has established that people and dogs maintain a unique synchronism that goes beyond mere parallel existence.  We can walk among birds and hear them chirping; jog past a rabbit that freezes, then scurries away; and even have a suspicious but interactive peace accord with squirrels, cats and gerbils; but of a dog that awaits your every move and watches with loyal love, there is a special relationship and bond that can never be described by words alone.

As to the other elements in the twin concepts of the title above, what can one say?  Books are the products created by the uniqueness of language; the compendium of complexities amalgamated by first a letter, then a word, then words within sentences that elongate into paragraphs; then, slowly, page by page, they form to create a work – of fiction, non-fiction, a mixture of both, either or neither as in crime novels, “true life” extracts and the admixtures of imagination, images, memory and reminiscences.

Books allow for loneliness to dissipate when betrayal and disloyalty have reared their ugly heads; when backstabbers and plain meanness whips the urns of ashes deadened with ancestral grief upon a rainy night of groans and tears wept upon what could have been; and then we can get lost in a good book and feel the air being disturbed by the wagging tail of a dog so loyal.

Regarding dogs and books – there is no replacement for such a duality of life’s mystery.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition may necessitate filing an effective 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 feeling that the “world” has betrayed because the Federal agency or Postal Service is unwilling to accommodate and “work with” your medical condition is a true enough fact; but don’t let that fact of disloyalty dissuade you from recognizing that there are still entities out there who remain loyal – like your dog (if you own one; and if you don’t, you should get one).

And also remember that the goal of getting OPM Disability Retirement benefits is tantamount to reading a good book – it allows you to reorient yourself and regain the proper perspective by allowing you to focus upon the priorities of life – of your own health.

People often think that life is complex beyond endurance these days; but in the end, a loyal dog and a good book are about all that one needs to attain happiness – and, of course, one’s health, which is the primary reason why fighting for one’s Federal Disability Retirement is important, so that you can focus upon maintaining your health, so that you can sit with a good book beside a loyal dog: the key ingredients to ecstatic joy itself.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Urban decay and the relevance of rye

There is a reason why phoniness cannot survive or endure for long on a farm, as opposed to the urban decay of mass population centers; the animals won’t stand for it, and there is no one to be pretentious for, when hard work, sweat and toil replaces the incessant striving for acceptance, consumption and coercive condescensions.  It is not an accident that Caulfield spends his time in the decay of urban life, amongst people who display a duality of faces and concealed motives, while all the time dreaming of an imaginary existence in a field of rye, catching all of the children who may run astray in the innocence of their blinded youth.

It is because the pastoral settings of American lore have always had a fascination of timeless yearning; as only a few generations ago saw the destruction of most of human existence, before the Great Depression, the Dust Bowl, the desertion from rural countryside and mass migration from bank foreclosures and independence wrought and molded from self-sufficient living, so the age of modernity witnesses what the aggregation and amalgam of mass population intersection does to the soul of the individual.

Like the composite alloy which fails to fuse, the dental fillings crumble with time and decay by sheer inability to blend; the only means of survival is to pretend that all is well, that the ivory towers built, the emperor’s clothes which fail to fit, and the harmful toxicity which destroys — they all work, except behind closed doors in cubbyholes of private thoughts when the night no longer conceals and the truth of ugliness pushes to the forefront.

On a farm, or in the fields of rye where the crops must thrive and children may run in the innocence of their unpretentious exuberance, only the silent stares of barnyard animals look for judgment of purpose, and as pretending never gets the work done, so the need to put on a face of concealment does nothing but waste time and needless effort.

For the Federal employee or U.S. Postal worker who witnesses the daily bifurcation between truth and reality, sincerity and concealed hostility, it is the openness of a medical condition which often breaks down the barriers of pretentiousness.  Suddenly, you become the target of meanness unspoken, of harassment barely veiled, and small-mindedness partially concealed.

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, looked upon this way, is really no big deal when contrasted to what has occurred just before the act of filing; for, the sores which erupted and the boils that ruptured, were already seething beneath a mere veneer of civility, and the actual submission of a Federal Disability Retirement application is to bring out the obvious.

Whether the Federal employee or U.S. Postal worker is under FERS, CSRS or CSRS Offset, the act of filing an effective Federal Disability Retirement application —  first through one’s Human Resource Office of one’s own agency if the Federal or Postal employee is not separated from Federal Service or the U.S. Postal Service, or even if separated, for not more than 31 days; otherwise, if separated for 31 days or more, but less than 1 year, then directly to the U.S. Office of Personnel Management — is to merely unveil the phoniness of niceties and civility engendered, but now to openly see whether the Federal Agency or the U.S. Postal Service will remain true to its promise of non-discriminatory treatment of a Federal or Postal employee with an identified medical disability.

And like the job of the catcher in the rye who stands guard for those wayward children innocently running through the fields, oblivious of the lurking dangers just beyond in the urban decay of unconstrained emptiness, it is the lawyer who admonishes with the laws to enforce, which often prevents the weakness of the nets that fail to catch that heavy tumble over the cliff of a bureaucratic abyss.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Lawyer: The Disadvantage of the I-Thou Perspective

People tend to expect the best results; and when a Federal or Postal employee files for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, the applicant who is unrepresented and prepares, formulates and files the Federal Disability Retirement packet on his or her own believes that an approval is forthcoming at the First Stage of the Process.  Yet, often unaware and unbeknownst to the Federal or Postal applicant, the lack of separation between the I-Thou construct fails to provide a proper perspective of objectivity.

Allow me to expand and explain:  As the Federal or Postal employee who experiences the medical condition (the “I”) is the same person who prepares, formulates and files the Medical Retirement application (the “thou” from the perspective of the U.S. Office of Personnel Management), any sense of objectivity is often lost because the I and the Thou are one and the same person, and the Federal or Postal employee who experiences the medical condition is simultaneously the same one who is seeking an approval of the OPM Disability Retirement application.

Of course, that same scenario is repeated even if the application is filed through a Federal Disability lawyer (in the sense that the Federal or Postal employee still seeks to obtain an approval from OPM) with one major exception:  there is another “thou” perspective included and involved — that of the Federal lawyer representing the Federal or Postal employee who is seeking to have a Federal Disability Retirement application approved.

Objectivity is a crucial component of a Federal Disability Retirement application; that is why so many “silly” mistakes are injuriously embraced without self-knowledge or with disengaged awareness.  It is like the cook who loved the taste of arsenic, and thought that everyone else should as well; and so he sprinkled the deadly poison onto his own food and enjoyed the taste of his own creation, only to slowly die from the feed of his own foolishness.

There are many “kinds” in the arena of foolish endeavors:  There is the “quantitative approach” (“I sent them thousands of pages of treatment records”) which fails to ask the question, Who will read it all?  There is the “trusting soul”:  “I just signed a release and had them send it all directly to my Human Resource Office”.  Then, there is the person of naive disbelief:  “How could they not approve it with the medical conditions I suffer from?”

The problem with all of these is the lack of objective perspective; the I-Thou connection is now given the distance, separateness and objectivity necessary to determine the viability and effectiveness of each and every piece of the puzzle needed to put together a proper Federal Disability Retirement application.  Are there ever any guarantees in life?  No.  Can a lawyer who specializes in Federal Disability Retirement laws make a difference?  Yes.

Fortunately, unlike the metaphor arising from the cook and the salsa of arsenic, there are multiple stages within the administrative process of pursuing Federal Disability Retirement benefits through OPM, and a denial at the First Stage of the bureaucratic pathway is not irreversible, and does not result in the inertia of life rendered by ingestion of substances otherwise tasty but harmful.

Sincerely,

Robert R. McGill, Esquire