Tag Archives: health insurance for resigning federal employees for medical issues

Postal & Federal Disability Retirement under FERS: Adaptation

It is how a species survives — and even thrives — in the face of changing circumstances.  Human beings clearly have an adaptive advantage in comparison to other species; otherwise, how to explain the extinction of multiple others while the overpopulation of ours?

Scientists have noted the general utilitarian talents of our type — not the best at anything, but the capacity to compensate despite our lack.  But ours is no longer a world where physical adaptation is the primal key.  Rather, because of technology’s dominance, our cognitive ability to adapt is being tested.

More and more, the psychological stresses bombarding us test the capacity of the human species — and we are failing at every turn.  The stresses of daily life; the mental pressures; the voluminous demands for multi-tasking just to get through the day — and when a medical condition hits us, is it any wonder that we are unable to adapt?

For Federal employees and U.S. Postal workers who can no longer perform one or more of the essential elements of one’s Federal or Postal job, “adaptation” may require filing for Federal Disability Retirement benefits.  To adapt is to recognize and change with the modifying forces of nature.

Consult with a Federal Attorney who specializes in Federal Disability Retirement Law and begin the earnest process of recognizing that adaptation is necessary where change is inevitable.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement: Proof and Knowledge

The two go hand in hand.  That, in and of itself — of “going hand in hand” — is a peculiar metaphor; for, like couples holding hands while taking a walk in the proverbial park, do hands necessarily have to be held in order for comity to be established?  Can a person, for example, have proof without knowledge or, conversely, knowledge without proof?

If a bloodied knife is picked up beside a dead body, can a person declare, “I have proof!”  Yes, but proof of what?  Perhaps that the dead person died from a knife wound; or that the owner of the weapon has etched his or her initials upon the handle of the implements, etc.  But as to “whodunit” — the weapon itself may now be the crucial piece of evidence.  But what of “knowledge”?

Again, it would be different if the same person, taking the identical hypothetical, declared: “I know who did it — that person there!”  [As the accusing individual points to a shrouded man standing afar in the crowd, hat tilted to shadow his face, hunched in an oversized raincoat and furtively attempting to disappear into the crowd].

So one now has “knowledge”, and perhaps even “proof” (i.e., fingerprints on the knife; eyewitnesses who identify the man in the raincoat as the guilty party; video of the act itself, caught by a British CCTV camera that was recording in the middle of nowhere — by the way, how in the world do the British get away with so many surveillance cameras?).

For Federal employees and U.S. Postal employees who are considering preparing and filing a Federal Disability Retirement application under FERS, remember that Proof and Knowledge must, indeed, go “hand in hand” in preparing an effective Federal Disability Retirement application.

Proof is not just one’s medical condition; it must include a showing of a verifiable deficiency and a nexus to one’s job elements; and knowledge is not just “knowing” that one is disabled — it must include meeting all of the multiple criteria of the laws governing Federal Disability Retirement.

Thus, you may already have the “proof”, but you should consult an attorney who specializes in Federal Disability Retirement Law in order to gather the “knowledge” necessary to qualify for Federal Disability Retirement benefits.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement under FERS & CSRS: Chess

Two quick observations about the game of Chess and those who play it:  Few are actually very good at it; and, like self-image and a false sense of confidence for many in the United States, too many who play it believe themselves to be very good at it.  Stefan Zweig wrote about the game brilliantly in his novella, the “Chess Story” (or otherwise translated or sometimes referred to as “The Royal Game”), and debunked the notion that the greatest of players are by implication, necessity and prerequisite of an intellectual character, either as brilliant mathematicians, logicians, musicians, philosophers, etc.

The “brilliant” chess player, Czentovic, is a moron at best, and a blithering idiot at worst — but boy, can he play chess and beat everyone and anyone.  To some extent, the reality of Bobby Fischer confirms the skepticism of Zweig as told in the Chess Story — of the idiot savant whose distorted singularity of brilliance being limited to the ability for adeptly maneuvering within 64 squares of white and black spaces and utilizing 16 pieces each in a game that requires foresight and some amount of insight.

That is not to say that one should minimize or diminish the attributes of a Grand Master and, indeed, many such people were “brilliant” in other ways, as well.  One cannot make generalizations and say that every good chess player is a blithering idiot; but nor can one assume that, because one is good or great at the game, ergo he or she must be an intellectual, philosopher, physicist, etc.  The downfall of most is in the notion that you are good because you think you are good; for everyone else, the tempering of reality normally comes about when one’s own notions come into contact with the reality of the world.

For Federal employees and U.S. Postal workers who 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 Federal or Postal job, initiation and submission of 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, may become a necessity.

Filing an OPM Disability Retirement application is somewhat akin to playing chess — from the crucial initial “move” of the pawn, to maneuvering your way through the landmines of a complex administrative and bureaucratic process, until the final stage of a “checkmate” that results in an approval from OPM.  But the game of chess is not merely the physical aspect of it, and encompasses a wide range of psychological characteristics — of fooling one’s self into greatness; of becoming overconfident; of underestimating one’s opponent.

Similarly, filing a Federal Disability Retirement application with OPM is not just the “physical aspects” of filing — it must encapsulate proper legal citations; persuasive argumentation; careful gathering of information, evidence and documents, etc.  And like the fool who believes himself to be a great chess champion, one should always remember that being the “best” at something doesn’t just involve thinking that it is so, but should include consultation with an expert to objectively determine it to be so.

Sincerely,

Robert R. McGill, Esquire

 

Attorney for Federal Disability Retirement Claims: Next Steps

It is the previous step that determines the following one, and the one before that which closes the alternatives for multiple other pathways; in the end, sequence matters, protocol can make a difference, and how one takes the steps, in what direction, by what methodology — these are all important considerations to contemplate.  What the endeavor is; by what means one is attempting to achieve the end-result; and the manner in which the goal is reached; the attempt the take a short-cut will often result in only a short-lived gain, but often with long-term consequences that, upon reflection, made the short-cut pay a price greater than the worth of the gain.

Next steps are important; each step, whether previously taken or subsequently considered, are also obviously of significance, but one could argue that those already taken cannot be reversed or, if reversed or retraced, may complicate matters more, whereas the “next step” yet to be taken may impact all previous ones already established and thus must be considered in light of the consequences likely to ensue.

Whatever has already occurred in the past cannot be undone or, if it can, must be retracted with care such that any retrospective refashioning of previous actions taken will do no greater harm than that which has already been consummated.  It is always the “next steps” that are the crucial ones, for they will determine not only the efficacy of all previous ones, but further, will either validate or undermine all previous ones heretofore taken.

For Federal employees and U.S. Postal workers who are considering preparing, formulating and 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 next steps you take may be the critical ones that determine the success or failure of the entire complex, administrative and bureaucratic process you are attempting to undertake.

What statements are made as reflected on SF 3112A, the Applicant’s Statement of Disability; the sufficiency of the medical reports and records gathered, to be submitted as Attachments to your Federal Disability Retirement application; whether you answer and address the issues concerning accommodations in the workplace sufficiently or in what manner; whether you have an adequate understanding and comprehension of your rights with regard to Federal Disability Retirement Law; these and many other “next steps” may well determine the future course of actions previously taken, ignored or otherwise not initiated.

Perhaps the “next step” should be to consult with an attorney who is knowledgeable about Federal Disability Retirement Law, lest the “next step” be the one that leads to an unforeseen stumble, where that next step leads to a misstep or the following next step after that cannot occur.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The beleaguered soul

They walk among us.  In modern parlance, the metaphor is equipped with “zombies” and the popularity of such cultural fodder.  People tend to watch such shows and laugh with nervous chatter; but the truth is, there is some inner fear and trepidation that is reflected by such haunting tales, where comedy is fused with the absurd.

The idea itself reverberates with signification of a nervous reality.  It is likened to that old movie (the 1956 version, not the 1978 remake), Invasion of the Body Snatchers, which frightened the French Existentialists because of the denial of that one human characteristic that made life worth living – of the human capacity to love, hate, and experience the sensation of “being”, now deprived by an alien source of devastating consequences, left devoid of the essence of humanity and purpose.

We dismiss such antics of entertainment with the same nervous laughter; all the while, we somehow recognize that, yes, much of life itself comprises a series of insidious detractions that diminish the liveliness of our very souls, but we continue to allow for it to demean and deprive, until we become nothing less than that which we feared all along.

The beleaguered soul is one who has been harassed, intimidated and incrementally put down, to a point where the skeletal remains can no longer withstand the turmoil of life, the travails of daily living, and the constant barrage of plain human meanness.  That life has become so complex such that few can put up with the inherent stresses, is acknowledged by most; but what we avoid and fail to decry, is the lack of empathy that follows, where sheer cruelty has exponentially increased to a devastating effect.  Over time, the zombies and victims of those alien body snatchers become the greater population of society’s burdens.

For Federal employees and U.S. Postal workers, the option to file 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 an “out” with a brighter future for tomorrow.

The Zombie genre and the movie predecessor leave little hope for the bleak predictions of a dystopian reality; but for the Federal employee and U.S. Postal worker whose medical conditions are such that the Federal or Postal employee can no longer perform one or more of the essential elements of one’s Federal or Postal position, the constant harassment and increasing violations of one’s rights and needs resulting from medical conditions suffered through no fault of the Federal or Postal employee, the effective preparation, formulation and filing of a Federal Disability Retirement application can allow for a brighter future where “tomorrow” may lead to another vocation, a second career, or at least some semblance of financial stability.

It is, in the end, the responsibility of the beleaguered soul to take a last stand against the injustices perpetrated, and to give one’s self a fighting chance that tomorrow is a better hope than the devastation of yesterday or today, and hopefully, that the lock on the door will keep out that pounding invasion, whether by a neighborhood zombie, an alien body snatcher, or a Federal agency or the U.S. Postal Service – sometimes mistaken for the other.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement from Federal Employment: Motive and Motivation

The similarities are almost indistinguishable; yet, the slightly nuanced distinction makes for the differentiation between intent and desire, and while both are nouns, it is not the grammatical identifier by which we seek their impetus.  The former is often unknown, hidden, deliberately concealed, such that a kind gesture or an act of empathy may have an ulterior basis beyond the mere surface of revelation.  Think about Vito Corleone in the movie, The Godfather; when he granted a favor, did he ever reveal his underlying motive?  The latter constitutes that ethereal quality, unable to be grasped but which, if the secret ingredients were bottled as merchandise to be sold, would grant the inventor untold wealth beyond those who market pills to boost testosterone levels in a society overcome with virtual madness.

For Federal employees and U.S. Postal workers who are considering filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, the distinction between motive and motivation may be the difference between remaining static or advancing in life.  To remain in place and attempt to decipher the former in the impending or anticipated actions of one’s agency, the U.S. Postal Service, or of Supervisors and Managers who daily connive and consider in furtive whispers of confidential backbiting, is to forever waste precious time upon the unknowable and indeterminate.  To possess the latter, whether in spurts of ephemeral wisps, like time which once seemed as the fortress of youth but left behind in the residue of an angel’s wings fluttering into the universe of the fantasy of unknown caverns, is to release the last vestige of rational import and move forward into a life beyond a career with the Federal agency or the U.S. Postal Service.  Sometimes, to accept less is to gain more.

Filing for Federal Disability Retirement through OPM may not always seem like an act of advancement, especially given that one is giving up a career, cutting one’s income, and relying upon an agency for a lifetime annuity; but when a medical condition cuts short the presentation of alternatives to consider, preparing, formulating and 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 often the best motive in a universe constrained by the motivation of self.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Medical Retirement: For Want of…

It is the lack which often compels motion, and thus do we observe that “necessity is the mother of invention”, a proverb derived from a centuries’ old Latin phrase denoting that hardships result in unique ways in which to compensate for deprivation.  The opposite perspective — of plenitude and overabundance of indulgence — also reflects a lack, but one which which identifies the predicate based upon the negative subject:  of being spoiled and wanting of motivation and desire to succeed.

Necessity, indeed, is often a prompting and incentivizing force, as well as fear of the unknown, a desire to secure a foundation of predictability, and a motivating factor to escape from the destructive jaws of a hostile work environment.  Whatever the underlying force urging one’s intent, the Federal employee or the U.S. Postal worker who finds him or herself within the confines of a progressively deteriorating medical condition, and one which impacts and prevents one from performing one or more of the essential elements of one’s positional duties, the dual-meaning of the phrase, “For want of…” is often the basis for action.

It can mean that there is an innate and compelling force or desire to attain something; conversely, it can denote the lack of a core need, which propels the Federal or Postal worker to begin to act, and in pursuing a 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, it is necessary to begin by taking some affirmative step in order to begin the process.

Filing for Federal Disability Retirement benefits can be a long and arduous bureaucratic process — one which depletes the soul, dampens the spirit, and denigrates the psyche.  But what are the alternatives?  We already know the destructive force of remaining where we stand, but it is precisely the incentivizing conditions of such deplorable circumstances which compels the Federal or Postal employee to consider filing for Federal OPM Disability Retirement in the first place.

For want of future security (used in the positive sense) or for want of one’s health (used in the negative, “lacking” sense), the options are limited, but the end-goal can be rewarding, as wanting requires action and initiative, and want of one’s circumstances may be the compelling force necessitating alternate routes of inventive compulsions.

Sincerely,

Robert R. McGill, Esquire

 

Federal Medical Retirement: The X Factor

In algebraic equations, it is that unknown variable which remains elusive and concealed, and which must be figured out in order to arrive at the conclusion.  We love those teachers who inform us that “credit” will be “given” for work shown, and that it is not so important to come up with the answer as opposed to the methodology manifested in reaching it.

And so we devised a complex network of signs and symbols, hoping that they concealed the ignorance of our unlearned lack of wisdom.  But the fact remains that leaving the factor unexplained and unfulfilled is like turning one’s back upon a helpless puppy abandoned in the middle of a busy freeway; somehow, the hollowness of leaving behind haunts one with a sense of incompleteness, like the puzzle with a missing piece.

These vestiges of psychological appendages, like damaging mollusks on the underbelly of a drifting boat, remain long after the effort to solve the equation is abandoned; for, in life, we think that all variables have an answer, if only we had listened carefully in the classes we skipped or during which we daydreamed and slept.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to seriously impact one’s ability and capacity to fulfill the positional requirements (or “essential elements”) described, the thought of abandonment through resignation or termination leaves that same taste of dismay and fear, like the residue of pine-goo on the palm of one’s hand.

The “other” option — which constitutes the solution of the X-factor — is to file 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.   While not widely advertised, OPM Disability Retirement is a benefit which is offered when a Federal or Postal employee is no longer able to, because of a medical condition, perform one or more of the essential elements of one’s positional duties within the Federal government or the U.S. Postal Service.

Thus, instead of remaining static in a state of utter frustration, attempting like those childhood years of yore when scratching one’s head, peeking over surreptitiously at the blank paper on the next desk, or looking with wonderment at the ceiling above as if the gods of information will reveal the answer through the illuminating fluorescence of those linear tubes, the Federal or Postal employee has the ultimate solution for the X-factor within grasp:  preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Masking Imperfections

Have you ever noticed how British actors don’t have the same perfectly white teeth as their American counterparts?  Or, for that matter, any non-American, foreign television personality; unless, of course, they have lived here for a few years, in which case they have already undergone the cosmetic transformation of dental voila.  Beware of that which one preaches for others; for, someday, it may come back to embrace the hypocrisy of one’s being.  Yet, when something becomes the normative standard for everyone, then boredom and monotony of purpose begins to set in.

Thus do we require perfection of those television personalities which appear on various channels, and models and movie stars and even fill-ins and “extras”; and soon it appears as if everyone is born with a perfect set of teeth.  With perfection comes intransigence; and soon thereafter, intolerance for any miscreant of societal norms.  For all the talk about inclusion and acceptance, the one conflagration of discrimination always involves the ethereal universe of being “different” from others.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to impact one’s ability and capacity to perform the essential elements of one’s positional duties at the Federal agency or the U.S. Postal Service, the fear of failing the standards of perfection predicated upon a public perception of tolerant intolerance, pervades us all.

Let me elaborate for a moment:  We require perfection of personalities which we never meet but view daily; such a requirement ultimately reverberates throughout society and the psyche of a country; we carry forth that aura of requisite perfection, and begin to believe in the very lies of our own making.  That is the subtle insidiousness of imposed standards which we never asked for, rarely noticed and fleetingly thought about.  So the question becomes, Why do we then take such efforts to mask our imperfections?

Medical conditions are a fact of life.  Being included in the greater realm of “beautiful people” is that harkening back to those pre-teen years of wanting to be part of the clique that was cool.  When hostility and exclusion at the Federal agency or the U.S. Postal Service becomes unbearable, it becomes the exacerbating trigger of greater pain and anguish resulting through the medical condition one already suffers from.

It is time, then, to file 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.  Time for a change; time to unmask the masking of perfection; and time to move on beyond the cliquish immaturity of normative standards and relegate them to the vestiges of quiet failings.

Sincerely,

Robert R. McGill, Esquire