Tag Archives: health insurance for fers insurance after opm medical retirement

FERS Disability Retirement from OPM: Present Living

If the quality of present living makes a person less than satisfied, it often exacerbates memories of the past and hope for the future.  Human beings live within the spectrum of time past, present living and future hope.

The key to a successful life is thus to balance the three such that neither the past, nor the future, dominates the present.  For, the past is that which can haunt, in a quagmire of paralyzing memories; the future, an impediment by anxious insomnia; and how we live in the current manner of existence will impact upon both the past and the future.

Perhaps this is too obvious a concept to even discuss.  And yet, so many people around the globe allow for the quagmire of past memories and anxiety for future uncertainties to dominate, control, and ultimately — to destroy.  “Present living” includes all that we encounter — of diet; of exercise; of relationships enjoyed; of a family constituted; of governing the traumatic events of the past and setting realistic goals for the future.

The key, again, is in the “present”; the doors to lock and open only upon necessity and joyful pleasures, concern the past; and of the future, planning is crucial, with present steps taken in order to ensure success.

For Federal employees and U.S. Postal workers who presently 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 current Federal or Postal job, it is the “present” living which has become an impediment, perhaps from past conditions which have now manifested themselves with chronic and debilitating medical conditions, and it is the future which has become of concern.

Contact a FERS Disability Lawyer who specializes in Federal Disability Retirement Law, and consider whether it is time to presently prepare, formulate and file an effective Federal Disability Retirement application under the FERS system, through the U.S. Office of Personnel Management, in order to put the past behind, and plan for the future.

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 for Federal Employees: The Stresses of Life

And there are many.  Whether the mere acknowledgement of their existence helps to reduce the level, quantity and qualitative impact, is of course an unknown factor.  Psychology is not a perfect science — if in fact it is a science at all — and “talk therapy” may not be the course of efficacious betterment for everyone at all times and in all circumstances.

We were all told that life would get better if: If the world became more “connected”; If new drugs were discovered to control our stresses and anxieties; If a certain standard of living were to be achieved; If …. Yet, somehow, despite all of the technological advancements which have been made, of “time-saving” devices and gadgets which enhanced our capabilities to become more productive — somehow, the stresses of life seem to exponentially compound our problems.

For Federal employees and U.S. Postal workers who suffer from a medical condition — perhaps with an identifiable onset from the stresses of life — Federal Disability Retirement may be an option to consider.

Consult with an OPM Disability Lawyer who specializes in FERS Disability Retirement Law, and begin the process of shedding yourself of at least one of the unwanted stresses of life: Dealing with the U.S. Office of Personnel Management in trying to obtain an approval of a Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement Benefits: Deterioration

It is a process; a cellular degeneration that time inevitably forces; and the word itself evokes images of rusting old cars in junk heaps hidden behind high walls of metal fences where usefulness has long been abandoned.  The deterioration of the human body is a progressive process of inevitability, and while we fight in futile efforts to slow it down, much of our efforts are merely cosmetic and have little or no impact upon the underlying progress of the cellular breakdown.

We can eat healthily; maintain good posture; take supplements and vitamins; exercise; stretch; attempt to restrict activities which may be harmful, etc.  Yet, and nevertheless, the deterioration of the human body persists despite all such efforts to employ tactics to reverse the normal course of human destiny.

The workplace — and certain types of jobs — certainly contribute to the deterioration of both the human body as well as the psyche.  Even in this day and age, we perhaps dismiss the psychiatric deterioration as opposed to the bodily degeneration, minimizing the impact of stress upon one’s mental health.  In the end, however, deterioration can apply to both physical as well as cognitive health.

For Federal employees and Postal workers who suffer from either physical or mental deterioration, and where the Federal or Postal employee can no longer perform one or more of the essential elements of one’s Federal or Postal job, such deterioration may require filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.

Consult with an OPM Disability Lawyer who specializes in FERS Disability Retirement Law, and see whether the extent of your physical or mental deterioration qualifies for Federal OPM Disability Retirement benefits under FERS.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement: The Picture We Want to See

Most of us think that we are the opposite of the designated, “Photogenic Individual”.  Setting aside those who crave to be in every picture (including the egomaniacal and perversely pervasive “selfies” which are posted daily and minute-by-minute), the picture we want to see, the photograph we would care to share and the image we would want to be presented to friends, family, third parties and others — they are rarely captured accurately, or at least to our satisfaction of how we see ourselves compared with “what” or “who” we see captured within the confined borders of an image depicted.

Similarly, we all hold an image of who we are within the framework of our own egos — whether of a successful individual or a failure; of self-confidence or lacking in great measure thereof; and of the little boy or girl we remember, before entering into the harsh reality of the world at large, with a past and background of security or insecurity, with loving parents or of cold, dispassionate and distant fathers and mothers; in the end, the picture we want to see is often at odds with the ones we actually hold on to.

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, perhaps filing for disability retirement benefits under FERS is not the picture “we want to see”, but rather, is the picture depicted and represents the reality of what we must see.

No one wants to see the picture — and least of all the Federal or Postal employee who suffers from a medical condition necessitating Federal Disability Retirement benefits.  However, it is often the picture which we least want to see that represents the reality which we must see, and that is what consulting with an OPM Disability Attorney who specializes in Federal Employee Disability Retirement Law is there for: To paint an objective picture which depicts as accurately as possible whether you qualify for Federal Disability Retirement benefits.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement from OPM: Those Glazed Eyes

We all engage in the act; of sitting or standing but not seeing beyond the bridge of our nose; of being lost in thought, perhaps in a daydream, or for a particularly difficult project that one is focused upon.  We even do it while driving, and when we arrive at our destination, we suddenly awaken and reflect: “Gee, how did I ever get here?  I don’t even remember stopping at any red lights or at any stop signs.”

The capacity for insularity within a private world is a condition of human existence that is particularly unique to the species, and likely within the species.  Is it of evolutionary advantage to “become lost in thought”, or is it a danger — an anomaly — counterproductive to our survival instincts?

If a vulnerable animal out in “the wilds” were to stand at a watering hole and — instead of being fully alert and aware of its surroundings, acutely sensitive to every movement of potential dangers lurking about — becomes lost in its “thoughts” (whatever form that would take — with or without language), would such a species last for long?

Did language, coupled with the skill of reading, writing and performing intellectual exercises, contribute to our capacity for thought, thoughtfulness and insularity of cognitive processes?  What makes us seek the refuge of our hidden soliloquies?

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition has begun to prevent the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal position, it may be time to consider filing for Federal Disability Retirement benefits.

If those “glazed eyes” are becoming more frequent because the world of insularity has become preferable to the world about because of the constant and persistent harassment imposed by the Agency or the Postal Service, it is well past time to consult with an attorney who specializes in FERS Disability Retirement Law.

There are times to “think” and times to “act”, and for the Federal or Postal employee whose medical conditions have now impacted one’s career, it is that time now — to act, by consulting with an experienced lawyer who specializes in Federal Disability Retirement Law.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Information: The shaken confidence

Tree limbs can be shaken; hands can shake, evidencing some agreement or initial salutation of a wordless sort, or even accompanied by some utterances; and the earth can shake as the subterranean tectonic shifts invisible and otherwise unnoticed, which then can result in tsunamis and other natural disasters.

The shaken confidence can take many forms; and the forms themselves cannot so easily be identified.  It presumes, first of all, that there was “confidence” to begin with, lest that which is shaken could not possibly have occurred unless it preexisted the loss of it.  Yet, too often, the evidence of its very existence is merely the lack of any contrary characteristic — i.e., a negation that fails to manifest existence and thus cannot actually be proven.  Of a person who walks about without any noticeable trace of lack — do we say of him or her, “He has confidence’?  Or is it just the one who has an overabundance of it, who struts around like a proud peacock or a rooster who takes no guff of whom we attribute “overconfidence’?

In normal discourse we just assume that, unless there are indications to the contrary, everyone who stands and walks amidst and among us possess some level of “confidence” or, in more particularized form, of “self-confidence”.  What are the events or issues that “shake” it, and what can an attribution of such an event mean?  Perhaps it is triggered by some tragic source — a trauma of a very personal nature, of death or an accident, perhaps; or can it be by mere utterance of words, of a berating boss or an insensitive spouse?  Or, how about a realization that one’s presumed immortality is simply not so?

None of us believe in immortality — at least, not in the sense that we will live forever walking about this earth.  Yet, until an event “reminds” us of our mortality, we take it for granted that life goes on as the day before, and the day before that; and so the concept of immortality resides by avoidance or ignorance, until something “reminds” us that, indeed, mortality is the nature of life, and flesh is by each instance and in incremental subtlety progressively deteriorating within the microscopic cells of slow degeneration.  And of a medical condition — can it be the source of the shaken confidence?

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 shaken confidence resulting from the progressively deteriorating medical condition is just as real as the earth that trembles and groans from tectonic shifts that moves and crumbles the structural integrity of high engineering feats.

Federal Disability Retirement is often not a choice made in confidence, but from a lack thereof; for, a medical condition cannot be viewed within a vacuum of a mere diagnosis that can be surgically extracted; rather, a medical condition is a sequence of aggregated tragedies — of the medical condition itself; the symptoms which result; the impact upon one’s personal and professional life; of the effect upon family and friends; of the triggers upon one’s psyche as well as the physical pain and mental anguish experienced.

In short, the shaken confidence of the one who used to walk about the earth as if you owned it, and preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is simply the first step in regaining that “shaken confidence” that was once a day before in a time now long forgotten presumed to have always been there.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement from OPM: The restorative morning

That is the purpose of sleep, is it not?  Or so we anthropomorphically attribute.  Is that the only reason for the somnolence that overwhelms, the snore that momentarily suspends in the air and pauses for people to smile, to be horrified or laugh because of the incongruence of the sound that shatters the quietude of twilight? Do humans sleep more soundly than other species? Is it really necessary to maintain a certain spectrum of that “rapid eye movement” (REM), or to be in a deep slumber, a state of subconscious quietude, etc., in order to attain that level of restorative sleep such that the morning itself is declaratively managed with rest and a sense of calm?

The restorative morning is that which follows a good night’s sleep; it is when the body is energized, the mind is ready to pounce with an excessive amount of acuity barely containable, and the combination of a night’s rest with boundless determination overcomes the previous period’s fatigue and exhaustion from the stresses of the day.

Do other species require sound sleep?  Or, did evolution favor the animal that can sleep, yet be awoken in response to an instinctual drive to survive, such that the mere bending of a blade of grass a hundred yards away will awaken with an alarm ready to defend and fight, or whisk away in flight?

It is the lack of it that creates that level of profound fatigue that goes beyond mere tiredness or exhaustion.  Modernity requires restorative sleep precisely because so much of our workforce engages in cognitive-intensive employment that places great stresses not just upon the physical capacity of the human animal, but upon the mental/psychological — stresses that pound away with untold and unmeasurable harm on a daily, consistent and progressively deteriorating manner.  Did nature and evolution factor in the way that we live in modernity?  Likely, not.

In Nature, there are no restorative mornings — only the calm that pervades and hides the predatory instincts and the ongoing battles that go on daily, minute-by-minute in this unforgiving universe of predators and prey; and so it is that we have created a reflection of that life-and-death struggle in this modern world we live in.

For Federal employees and U.S. Postal workers who struggle with profound fatigue, loss of any semblance of restorative sleep, and unrepentant diminishment of focus, concentration and the capacity to maintain an acuity of mind, it may be time to consider filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management.

Sleep Disorders are not just a constant reminder of the stresses that impact us in this high-tech world, but is also a basis in which to qualify for Federal Disability Retirement, when profound fatigue sets in and non-restorative sleep impacts one’s ability and capacity to perform all of the essential elements of one’s cognitive-intensive job.  Whether under FERS, CSRS or CSRS Offset, it may be time to consider preparing, formulating and filing for Federal Disability Retirement, to be submitted to the U.S. Office of Personnel Management.

Sincerely,

Robert R. McGill, Esquire

 

Lawyer Representation for OPM Disability Claims: Life can change in a day

A wise person once quipped that, If you don’t like the weather in this area, wait a day and it’ll come around.  The greater meaning of such a kernel of wisdom, of course, is that it is a microcosm of a wider reflection concerning life itself; wait long enough – sometimes a week, a month, a year, or a few years – and circumstance have a tendency to alter the course of one’s life and therefore one’s perspective.

Life can, indeed, change in a day; one day, you are happily drifting along, believing that nothing could be better; and the next, a calamity ensues, the human experience becomes a “topsy-turvy” matter and suddenly sours upon the smiling demeanor we carried just a moment before.

Or, one may begin the day in a negative and foul mood, but something changes, alters, moderates and impacts, and we come home despite the turmoil of work and daily problems with a smile on our face, and when asked “what is wrong?” (as opposed to, “What is right?”), we smile distantly and refer to the sunshine, the weather, the flower smelled on the road home, or that Frost-like metaphor of having taken the road less traveled on the way there.

Or, perhaps it is the simple recognition that there is more to life than one’s own narrow perspective, that suddenly creates the change in the day of one’s life.

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 positional duties as assigned, the idea that life can change in a day is as real as the sun rises and is expected to rise.

The process of filing a Federal Disability Retirement application is a long, complex and bureaucratically difficult process, and often the process itself can be a defeating proposition as one awaits for a positive decision.  A denial from the U.S. Office of Personnel Management can have a devastating impact, and a second denial at the Reconsideration Stage can have a further deleterious effect.

With each decision, life can “change” in a day.

On the other hand, an approval effectuated from OPM can also have that same effect – of a change in one’s life, all in a day.  That is the ultimate goal – change, but in a “positive” sense; for, to remain static is to become an inert substance, and life, if anything, is a continuum of constant flux and change, like the weather that can never be correctly forecasted, and the life that can never be accurately predicted.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The Redshirt

In athletic parlance, it refers to an individual and a status, allowing for a fifth year of eligibility when the rules mandate a restriction to a four-year period.  The word itself is quite malleable, and reflects well the technicality involved in avoiding the direct letter of the language.  Being a redshirt (noun), a redshirt freshman (adjective) or redshirted in his first year (verb) reveals to us the capacity of language to jump like grammatical forms of hopscotching that amazes and intrigues; and the cautionary prelude to a wink-and-a-nod is prefaced with, “You are being too literal”.

It only proves the point, doesn’t it — of the age-old adage that rules are created with the intent of being broken; or, at least bent in order to fit?  For, once such rules were imposed in order to allow for “fairness” in collegiate sports, the “legal technicians” (i.e., lawyers) went immediately to work upon coming up with novel interpretations, strategies for avoidance, and advice to extend beyond what the limitations allowed.

“Redshirting” was one of the devised methodologies – of allowing for everything up to the critical line of demarcation:  that of playing in a game itself.  Thus, the redshirt can practice with the team throughout that entire year of eligibility, but such actions do not count; the redshirted freshman can attend classes, be a full-fledged partner in the “college life”, and yet his participation is not marked against him or her; and to be redshirted in that year of eligibility allows for growth, maturity, advancement in development – all without “using up” a year of eligibility by being sacked a hundred times during the season and becoming a shattered soul devoid of self-confidence and losing assurance of one’s talents and skills.

It is, within the athletic community of college consortiums, a brilliant strategy to deftly avoid the burden of rules; for the greater society, it reflects the essence of what is wrong, precisely because it is a deliberate attempt to avoid the literal language of the rules.  Yet, that is true of almost everything in life, is it not?

Careful study; identifying the loopholes; then initiating the strategy to maneuver around landmines and obstacles.  Is it any different than a hunting party tracking a prey, sniffing out the signs of predatory confirmation and taking in information and adapting accordingly?  Rules, regulations and laws may well be designed, initially, at least, to address a specific problem; and, out of the cauldron of an enacted statutes, comes multiple other problems and issues because of the malleability of words and imprecise linguistic pauses.

Preparing an effective Federal Disability Retirement application is no different.  It is a necessary prerequisite to identify the legal language of eligibility; define the issues; identify whether or not the Federal or Postal employee considering such an option “fits into” the legal criteria circumscribed; then to proceed to “redshirt” one’s own situation and devise a methodology for eligibility.

Compiling the evidence, formulating the proper narrative, and presenting 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, can thus be likened to the redshirting of a freshman – in order to extend one’s life beyond the debilitating medical conditions otherwise shortening the career of a promising Federal or Postal employee.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Things That Just Happen

Rarely do things “just happen“; that is why most of us believe in a purposive, teleological universe, and seek reasons and rational foundations in origins, contexts and logical consistency.  Whether that is how the human mind is structured, and for evolutionary advantage gained for survivability, conferring dominance and favorability weighted towards those who seek explanation and intelligibility, thereby preventing the making of mistakes multiple times; or, perhaps, it is merely a sense of humor bestowed by the gods.  Look at Aristotle’s Metaphysics; the very definition of knowledge is inextricably intertwined with seeking and grasping first principles, causality, and the origin of effects.

Thus do writers become a member of a profession by writing; airplanes fall out of the sky because of mechanical failure or an intervening cause; and economies crumble because market forces respond to human foibles.  But medical conditions which intervene and disrupt a person’s career, future and health, are often viewed as unfair anomalies precisely because there is often no adequate explanation as to their manifestation upon a particular person, at a given time, for a known reason.  They merely disrupt.  There may be “medical” reasons — of why an injury occurred, what the probable origins of genetic proclivity, etc.  But the reasons sought out by the one who suffers — why me? — can never be answered.  It is one of those rare occurrences that “just happens”.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition interrupts and disrupts the linear career path because the medical condition itself prevents the Federal or Postal employee from performing one or more of the essential elements of one’s job — the option of 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 something which must be seriously considered.

Life is often unfair, and the difficulties which are encountered in the tenuous path of those who seek to live by reason and rationality, are fraught with bumps and cavities if disruptive interludes. Medical conditions and the reasons for their onset — not the medical reason of origin and sterile voices of genetic predilection — but the “why me?” question, is often unanswerable.  It is usually just a circumstance which must be dealt with, and filing for OPM Disability Retirement benefits is a way of “buying time” in order to maintain a causeway of teleological illusions in order to further avoid those things that just seem to happen.

Sincerely,

Robert R. McGill, Esquire