Tag Archives: financial freedom and fers disability retirement

CSRS & FERS Medical Disability Retirement: Cumulative Impact

In economics, the concept of cumulative growth is important in understanding the progressive and incremental increase, no matter how minimal in the short term, over decades and centuries upon an individual’s and the greater society’s wealth accumulation.  It is based upon the theoretical construct of cumulative growth that fortunes are created and retirement wealth is amassed.

Flat sorting machines at USPS distribution centers

Repetitive type of injuries are common when working with Flat Sorting Machines at USPS distribution centers

As a hypothetical parallelism, what consequence would such incremental but cumulative impact have upon one’s health and well-being?  If repetitive physical stress of a seemingly insignificant quantity were to impact a wrist, a knee, a shoulder, etc., would such de minimis physical pressure acquire a different result years and decades down the road?

Is it not tantamount to radioactive exposure, where the human tissue or organ can have effective resistance to contained amounts, but over time, can begin to deteriorate and cause tumors and mutated cells resulting in cancer? Or like the prisoner who digs his way out of prison with a pen knife — one scrape at a time until a hole large enough to accommodate one’s head and body is created over months and years? Or of stresses resulting in anxiety and panic attacks; perhaps at first a twinge of needle pricks, then after months and years, an overwhelming inability to breathe properly, until reactions of the need to take sudden flight, or paralysis of muscle movements and an inability to speak or move?

Maintaining poor sitting postures for long periods of time

Maintaining poor sitting postures for long periods of time may increase the risk of developing musculoskeletal disorders (MSDs)

For Federal and Postal employees who have had a long and productive career with the Federal Government or the U.S. Postal Service, the mystery of cumulative impact upon one’s health, through repetitive, incremental, and insidious influences withstood over time, often results in self-denial and a sense of failure.  But there is a limit as to what the human body and psyche can take on.

Federal Disability Retirement benefits are simply an employment component offered to all Federal and Postal employees, whether one is under FERS or CSRS, filed ultimately with the U.S. Office of Personnel Management, and is merely an intelligent recognition by the Federal Government that the limitations of human invincibility can be addressed by allowing for a change of careers, by providing for a foundational security to one’s livelihood. Federal Disability Retirement — a viable option in recognition of the age-old concept of cumulative impact, both in economics and in the complex world we occupy.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Disabled Federal Workers: Transfinite Cardinals

It is a concept invented in order to avoid the inherently problematic implications of the “infinite”; yet, it clearly means that it is “not finite”. It is meant to avoid a type of exclusive disjunctive and attempts to equivocate and obfuscate, implying that it somehow goes beyond the finite but refuses to become embroiled in the complexities of the infinite, thereby allowing for a compromise by remaining forever in the limbo of mathematical purgatory.

Such conceptual word-games save us for a time; and, sometimes, time is what is needed. Thus, for universes of pure theoretical constructs, where application has little or no impact upon the reality of life, conceptual language games can be daily engaged and walked away from, without any practical consequences. It is, however, when theory intersects with reality, that qualitative reverberations become felt, as in the application of theoretical physics upon the pragmatic application of nuclear fusion.

Advancing from Thought to Action

Advancing from Thought to Action

For the everyday Federal and Postal Worker, the theoretical existence of Federal Disability Retirement benefits, whether one is under FERS or CSRS, is likened to transfinite cardinals: until the intersection between thought and action occurs, it remains safely in the universe of theory, mind, and limbo; but when the reality of a medical condition hits upon the physical universe of the real, and impacts the Federal or Postal employee’s ability/inability to maneuver through the employment sector because of physical limitations or psychiatric obstacles imposed by the medical condition, then one must reach beyond the theoretical and take pragmatic steps of prudent applicability.

Like boilerplate legalese in multi-paginated contractual agreements, theoretical constructs exist for potential applications in the real universe.

Federal Disability Retirement benefits remain in existence for all Federal and Postal employees, and must be accessed by submitting an application to the U.S. Office of Personnel Management. It is like the Platonic Ideas of Greek philosophy “out there” in the ethereal universe, but of no consequence but for ivory tower constituents. And like transfinite cardinals, Federal Employee Disability Retirement benefits remain in a parallel universe of theoretical constructs, until that time when a particular Federal or Postal employee accesses the need to ignite the fuse of pragmatic intentions.

Sincerely,

Robert R. McGill, Esquire

 

 

OPM Disability Retirement: Daylight Savings and First Light of Dawn

No matter our technological prowess, the attempt to distance ourselves from biological determinism fails at its most basic elements:  by most accounts, the simple change of moving the clock forward (or backward, when once Fall comes again) completely disrupts our connection to nature and the environment which we strive so hard to detach ourselves from.

We like to think that the artificial world which we have created, of imposing structures destroying and subjugating the natural elements, with allowance for a few trees spotting the proverbial jungle of our antiseptic existence, separates us and distinguishes our kind from other species.  But somehow the simple and artificial act of changing the appearance of time interrupts our biological rhythm for days and weeks, only to repeat the cycle again in the Fall.

Similarly, despite our reliance upon light bulbs and artificial illuminating devices, there is something strikingly different about the first light of dawn, with that shimmering brightness breaking open the chasm of darkness.  Lights created of man have certainly advanced civilization; but the sunlight of dawn is an irreplaceable phenomena of pure enjoyment.  That is why we have such metaphors as, “light at the end of the tunnel” which, by the way, is normally meant natural sunlight, and not a lamp post illuminating the street.

The first light of dawn is akin to hope for the future, and for Federal and Postal employees who suffer from medical conditions, such that the medical conditions impact one’s future by preventing one from performing one or more of the essential elements of one’s job, often the only metaphorical light at the end of one’s traveled tunnel is to file for Federal Disability Retirement benefits, whether under FERS or CSRS, from the U.S. Office of Personnel Management.

Such an action allows the Federal and Postal employee to attain a foundational element of financial security, but more importantly, to have the interlude to attend to one’s medical conditions.

Medical conditions, like daylight savings, clearly interrupt the natural and biological rhythm of Man; but like the first light of dawn, it is up to us to find a path back to the natural order of things.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement for Federal Workers: The Jump from Thought to Action

There is a wide chasm between thought and action; and, while many can deceive one’s self by remaining mired in the activity of thought, it is the gauge of the objective, physical world which validates the efficacy and resulting consequences of one’s actions, which makes for determination of accomplishment and completion.  The proverbial “dreamer” who never transitions from the creativity of thoughtful contemplation to actualization of ingenious ideas and proposed intellectual discoveries, remains stuck in the netherworld of potentiality, never to move beyond the mysterious quietude of one’s own mind.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition has impacted one’s ability to perform the essential elements of one’s job, remaining forever in thought-mode as opposed to action-orientation, keeps one in the hostile environment of avoiding multiple pitfalls and minefields of delay, procrastination, and potential adversity from one’s supervisors, coworkers and agency heads.

Whether under CSRS or FERS, the Federal or Postal employee with a medical condition which is impacting the ability to continue in the job, should consider the giant step from thought to action, and reflect upon the benefits of a Federal Disability Retirement submission, ultimately to be decided by the U.S. Office of Personnel Management.

The step from thought to action is often exponentially magnified by the earthshaking reverberations of a changed life.  But to fail to act is often the greater of evils, and to remain in the unending turmoil of one’s anguish is never an answer to a problem.  Instead, it is the composite solution which will render the ultimate satisfaction: thoughtful action.  It is where thought and action work in harmony, and for which Man evolved to reach the pinnacle of his Being.

Sincerely,

Robert R. McGill, Esquire

 

Waiting to Get your Federal Disability Retirement Benefits?: Well Worth It

There are many stories out there.  Indeed, as many Federal and Postal Workers who live and work throughout the United States and in Europe, Japan, and across the spectrum of the world, there is a microcosmic, personal story to be told.  That is the point of Chekhov’s short story, “Grief”, in which the father needs to relate the narrative story of the tragedy of his son’s death.  

In the impersonal world within which we live our lives, as a cocoon untouched and untouchable, there are stories and tragedies which we know not about.  Then, there are the narratives of successful outcomes; of those Federal and Postal workers who have filed for Federal Disability Retirement benefits, who — years later — relate tidbits of starting second vocations, of having the opportunity to rehabilitate from their medical conditions, and to start “new” lives.  

The “present” and “now” is always a time of anguish, especially if one is suffering from a medical condition, or is awaiting a decision from the U.S. Office of Personnel Management for a Federal Disability Retirement case.  

Is it worth the wait?  To ask that in the present-tense is probably not the right question.  Rather, once a Federal or Postal worker has filed, has obtained an approval, and has taken some years to move on into another stage of life, the time to ask the question is probably in a retrospective manner:  Was it worth the wait?  

In preparing, formulating and filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, the Federal or Postal employee who intends on filing must understand that it can be a long and frustrating administrative process.  Hopefully, however, the hope of the future is what makes the waiting worthwhile.  For, without the hope of the future, we would all be stuck in the drudgery of the present.

Sincerely,

Robert R. McGill, Esquire