Tag Archives: health insurance when separating from federal employment

OPM Disability Retirement under FERS: Is It Enough?

That is always the question, isn’t it?  Especially, these days, when there are so many options, so many avenues, so many ways to get off of the proverbial path and become a wayward nonconformist.

Is love enough to last a lifetime?  Is a sense of obligation enough to be committed for the agreed-upon enmeshment?  Is religious fervor enough to maintain one’s faith even in the face of secularism’s hedonistic pull?  Is pleasure enough to sustain one’s sense of wanting to exist?  Is duty enough to compel a soldier to sacrifice for his country?  Is life enough to sustain?

That was the ultimate question for French existentialism, especially as delineated in Camus’ set of essays, beginning with the Myth of Sisyphus.  What is “enough”?  How can it be quantified?  Underlying it all, isn’t the ultimate question beyond whether something is “enough”, actually an irrelevant question?

For, as Aristotle would put it (and in this Post-Factual World, where Aristotle and Plato are no longer read, and thus, no longer relevant), we must go back to the basics, to the “foundational principles” underlying our belief systems: What is meaningful in our lives?

When there is a void in meaningfulness, hedonism fills that emptiness.  That is why teenagers turn to drugs; that is why adults succumb to alcohol; and that is why, when ISIS came into existence, and when the war in Ukraine began, thousands of Americans flocked to join in the “cause” — because, when the void of meaninglessness pervades, people jump to join anything and everything which becomes the cult of relevance.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition no longer allows you to continue in that career of choice — the work which gave “meaning” to your life — it is important to recognize that, indeed, there is “life after a Federal career”.  Likely, you may be somewhat saddened by the fact that your Federal or Postal career is over.  However, beyond your career, there is no meaning to life without your health.

And yes, there actually is “life after getting a Federal Disability Retirement” — and there abounds countless testimonials which attest to the fact that it is, indeed, “enough” to get a FERS Disability Retirement annuity, focus upon your health, then go into some other line of work in the private or state sector.

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 Disability Retirement: The State of Affairs

It can possess a multitude of connotations and meanings; some, rather clever; others, of a mundane nature.  In a specific sense, it may involve a country’s economic and domestic standing; or, in a general sense, concerning the circumstances and situation of an individual or family.  A clever connotation evokes the consequences following infidelity in a marriage; and in every sense of the phrase, context is important in order to clarify the centrality of meaning, significance and relevance.

Thus does the phrase begin with a general sense, which we approach with a quizzical perspective because of the multitude of possible meanings within the limitations of a universe of linguistic possibilities.  That is the beauty of language; unless it is a stagnant one on its way to extinction, the richness of potentialities allows it to expand and trigger curiosities beyond a child’s imagination.

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 basic elements of one’s Federal or Postal job, the state of affairs may specifically hinder and prevent one’s ability and capacity to continue in one’s career.

If that is the case, contact a FERS Attorney who specializes in Federal Disability Retirement Law, and don’t let the present state of affairs remain as the pinnacle of your dreams and hopes; rather, build from the state of despair so that the future will evoke and connote a more positive state of affairs by preparing, formulating and filing an effective Federal Disability Retirement application through the U.S. Office of Personnel Management, under FERS.

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 Disability Retirement Legal Assistance: Arrangements

We do it to flowers and files; to desks and decor; to books and bad hair days.  We make arrangements.  Our lives may have begun in disarray, but we have the rest of it to arrange.  In our own minds, we reposition various memories; we selectively choose which ones to tell those whom we encounter; the rest, we stash away.

Sometimes such arrangements work; at other times, they come back to haunt us.  PTSD is like that.  Depression and Anxiety, panic attacks which paralyze — they are like the poisonous snake which we thought we had securely locked away in some glass casing, but somehow it had found a way to escape.

Memories of childhood traumas; of terrible events which once happened, had imprinted an indelible memory, but which we thought we could “handle” by arrangements later in our lives.  But like flowers and files which need constant tending to; of desks and decor that require further personal touches; and books which catalogue things and lives or bad hair days requiring a long comb, the arrangements of our lives constitute a forever-struggle, especially when new challenges crop up.

For Federal employees and U.S. Postal employees who suffer from a medical condition, whether of a psychiatric nature or of a debilitating physical kind, preparing an effective Federal Disability Retirement application under the Federal Employees’ Retirement System (FERS), to be submitted to the U.S. Office of Personnel Management, may be the arrangement required in order to move to the next productive phase of your life.

Contact a FERS Attorney who specializes in Federal Disability Retirement Law, and begin the arrangement which will allow you to focus upon the highest priority in any arrangement — your health.

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.

 

FERS Disability Retirement: That Fleeting Feeling

Camus thought that our lives are based upon an absurdity — Of Happiness being the constant goal, and yet of so much of the population living in abject misery.  If happiness is merely an emotion, then it is indeed a fleeting feeling which can change like the weather, like changing seasons, as the direction of the winds and what we have eaten.

He studied the Greek Classics and determined that the absurdity of the human condition had arrived at a crisis point, much to be attributed to the fact that we had lost our sense of humanity, as well as that fleeting feeling.  He was not a pure idealist; he had witnessed the cruelty of humanity during WWII; and when others were ready to “move on” as if the crisis had been resolved, he recognized early on that the crisis was just beginning.

Compassion and empathy — those human qualities which could be cultivated as unique characteristics of a species — could be nurtured.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition impacts one’s career as a Federal or Postal employee, the time to prepare an effective Federal Disability Retirement application under FERS may have arrived.

Do not, however, expect your agency to display those unique characteristics of compassion and empathy — or even understanding. That fleeting feeling that your agency cares — put that aside.  Instead, contact a FERS attorney who specializes in Federal Disability Retirement Law and begin the process of protecting your rights under the Federal Disability Retirement laws and regulations.

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.

 

FERS Disability Retirement Benefits: The Self

You are walking along a sidewalk, perhaps near your home or where you work; suddenly, a voice is heard and you look up, and someone of vague familiarity is pointing to you and declares in a loud, ecstatic voice: “Jason! It’s you! I can’t believe it — after all of these years!”

It turns out to be an old acquaintance; a person from your childhood, perhaps; someone you had not seen or heard from in many years.  Yet, the identification by the pointing of a finger, the declarative statement of a recognition of “you”, in their aggregate, establishes an acknowledgment which rarely occurs: there exists a “self” which is separate, unique and apart from “others”.

Maybe you don’t even like the guy; maybe you barely remember him or her as an integral link in your past; and yet, that very same individual, forgotten and unknown just a moment before, pointed to you and validated your existence of “the self”.  Maybe you converse for a while, invite him to your home, strike up a renewed relationship, go out to have some coffee, etc.  Or, maybe you deny any familiarity and keep walking, thinking that it is the introduction to a scam, even though you were correctly identified by name, but maybe it was by sheer coincidence and the next line out of the guy’s mouth was to be: “Hey, I found this wallet and there’s a lot of cash in it.  Here’s what we need to do…”.

It is a rare moment when we become confronted with “the self”, because for most of every person’s life, “the self” is merely an entity which moves through society like an automaton by habit and convenience.  In those rare moments, however, there is often a time of reflection — of one’s goals; one’s future; one’s need for change.

For Federal employees and U.S. Postal workers who have come to that point of self-reflection upon the self, and who have concluded that a medical condition is no longer compatible with continuation in one’s career, contact a Federal Disability Attorney who specializes in Federal Disability Retirement benefits under FERS through the U.S. Office of Personnel Management.

It is often as a result of the hypothetical described above, or by an encounter with one’s deteriorating health, that “the self” is finally recognized, and with it, needed changes become apparent.

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: Beware the Goal Reached

Beware the goal reached; for, it often results in the loss of vigilance, a sense of completion, a notion that being ever protective can now cease.  We tend to think in terms of “finish lines” and projects completed; and upon reaching and satisfying that goal, a “letting up” occurs.

The underachiever who believes that he or she need not put any further effort into things because of an early series of conquests and accomplishments; the marriage partner who concludes that no contribution is further required once the proverbial knot is tied; the traveler who let’s his guard down upon avoiding the highway robbers known to lurk in a given area — all, wrong assumptions and dangerous presumptions.

For Federal employees and U.S. Postal workers who file for Federal Disability Retirement benefits, and for those who obtain an approval from OPM — remember that getting an approval from OPM does not mean that OPM cannot take away your benefits in the future.  Maintaining and safeguarding your OPM Federal Disability Retirement benefits is just as important as securing it in the first place.

Contact an attorney who specializes in Federal Disability Retirement, and beware the goal reached.

Sincerely,

Robert R. McGill
Federal Disability Lawyer

 

Medical Retirement for Federal and Postal Employees: Stupid Mistakes

Our first reaction may be that such a phrase is in fact a tautology; for, to make a “mistake” is by definition to do something “stupid”, and so it is merely a redundancy to use and place both terms together.  But surely we can conceive of circumstances in which “making a mistake” turns out to be the very opposite of having done something “stupid”?

Perhaps some earth-shattering mistake in science resulted in a new discovery — of having made a mistake in combining two or more elements but resulting in a new, composite element beneficial to society?  Or of having made an accounting error which accrued to one’s personal financial benefit?  But even then, one may argue that the mistake itself was a stupid one; the consequences merely turned out to be beneficial, but that doesn’t necessarily impact the character of the mistake itself.

And what of follies in our youth?  Does age and greater experience, retrospectively reflecting back into the series of life’s mistakes and actions thoughtlessly taken, lead us to conclude that we have made multiple “stupid mistakes”?  What, then, constitutes a “mistake” such that it was stupid?

Often, a glimpse into what we did in the past — of having forged ahead without a plan, thoughtlessly, and without due diligence in considering all of the factors; these, and many more actions taken without an inkling of preparatory counsel, constitute what most people consider as a “stupid mistake”.

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 be necessary to consider filing for Federal Disability Retirement benefits under FERS.  In doing so, it is necessary to have a full and comprehensive understanding of the laws which govern FERS Disability Retirement and the administrative process and procedures abounding.

Consult with a FERS Attorney who specializes in OPM Disability Retirement Law, lest you come to regret it as one more “stupid mistake” that was made — as one of many that we all make throughout our lifetimes.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: Conditions of Necessity

What are the conditions that make for necessity?  At what point do we judge that an action, a set of utterances or a demand of this or that is “necessary’?  What constitutes the conditions for necessity and are they different for different people?

In other words, is there a tolerance level for Person-X that is distinguishable and qualitatively identifiable than from Individual-Y, such that what creates a condition for necessity for X may make for a yawning indifference for Y?  Do some marriages last longer — in accordance with the vows of fidelity and honoring — because of tolerance by one spouse or the other?  Are there criteria and principles that override, somewhat like what George Harrison’s wife once said in an interview that the key to a long marriage is “not getting a divorce” — meaning, no matter the extent of infidelities or breach of marital vows, if you simply tolerate all such violations, then the conditions of necessity will never arise?

Is that what happens to Federal employees and U.S. Postal workers who continue to remain silent, slowly dying a quiet death because of a medical condition that few know about, fewer still would even notice, and almost no one cares a twit about?  Do they continue to kill themselves quietly, pushing themselves through the pain and agony of a medical condition, and denying that the conditions of necessity have risen to a level where tolerance isn’t even a question, anymore?

Conditions of necessity — at what point do they rise to a level where it becomes unavoidable that filing for Federal Disability Retirement benefits has been reached and tolerating the symptoms of one’s medical conditions is no longer endurable?

Filing for FERS Disability Retirement benefits through the U.S. Office of Personnel Management is a long and complex administrative process, and when the conditions for necessity arise to a level where it becomes critical, it is a good idea to consult with an attorney who specializes in Federal Disability Retirement Law, lest the conditions of necessity become further complicated such that the bureaucratic morass of a Federal OPM Disability Retirement application becomes further entrenched in the intolerable conditions of necessity.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement: Ideas come in bunches

Like wildflowers, there is something about ideas that have a tendency towards coming in bunches.  And, like wildflowers and ideas, we have a further notion that misfortune, likewise, comes in droves and groupings.

Is that a Law of Nature, or merely an observation that has no logical foundation or factual basis?  Didn’t that neighbor down the street get hit by a car, and at the same time — within a week of such a tragic event — lose his wife and 3 kids?  Wasn’t it Uncle Billy who stepped on a nail, and with a few days had his house burglarized and his dog shot in the process?  And surely we recall that movie star who drank himself silly one night and then mistook a shadow for a stranger when it turned out to be his girlfriend’s best friend who shot him in the arm and then took her own life?

These we all recall; and like Hume’s dictum that causality is nothing more than mere combinations of repetitive occurrences, we fail to recognize the silent workings of events unfolding which quietly and subtly fester in the unknown universe of our own ignorance; and yet, when they come to the fore, we relate one to the other.  But ideas are different; they do, indeed, come in bunches, perhaps because the creative energy lagging behind suddenly realizes that potentiality can be actualized when for all those years they remained as stagnant molecules lost in a world of microscopic insignificance.

So, that being said, here are a bunch of ideas: For Federal and Postal workers who believe that the medical condition suffered cannot be accommodated, why not file for Federal Disability Retirement benefits?  What if you weren’t even aware of such a benefit?  What if the benefit is not widely circulated, never trumpeted and rarely announced?

You have 1 year from the date of separation from service to file, and as it takes a significant amount of time to properly prepare, formulate and file an effective Federal Disability Retirement application, if might be a good idea to consult with an attorney who specializes in Federal Disability Retirement Law — lest the ideas that come in bunches turn out to be bad luck that arrive in groupings; for, in that case, it is certainly time to consider that one’s destiny depends entirely upon actions taken, and not upon ignoring the signs of misfortune that do, indeed, come in bunches.

Sincerely,

Robert R. McGill, Esquire

 

Legal Representation on Federal Disability Retirement Claims: That voice within

Whose voice is debating within the insular corridors of the otherwise silent individual?  Which one is the dominant voice, and how does one determine if that particular voice should be the one which attains such a prominent status and stature within the cauldron of one’s own thoughts?

We assume, of course, that when we are pondering within the insularity of our own thoughts, that the voice which speaks within is our own voice; but is it necessarily so?  Yes, yes — the traditional concept of “madness” will begin to encroach, of strange voices which begin to invade and intrude, and where schizophrenia is considered the likely explanation whenever “other” voices are considered.

But that is not what is necessarily the case.  It may be that the voice within is simply a regurgitation from a memory stored long ago — perhaps of one’s parents; a friend; an old school chum; a brother, sister or a cousin; and it is retrieved as an amalgamation of many others, besides.  More importantly, who determines the validity of what is being said, the subject of debate and the substance of the winning argument?

The danger of a soliloquy is that the lone figure who tries to figure things out on his or her own may not have all of the facts or information at hand which can lead to the right decision being made.  An unheard conversation undertaken and engaged by a singular voice may be no discussion at all; it may merely be a wrong-headed delineation based upon errors in fact and missteps in logical analysis.  That is why it is important to consult a person who specializes in a field and is knowledgeable at the outset, so that the facts gathered and the analysis conducted are sound methodologies based upon superior analytical insights and resulting in expert advice.

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 important to gather the necessary and pertinent facts about the entire process, the known administrative facets and pitfalls, etc., so that a superior decision can be reached in 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, so that the voice within will avoid the mistake of listening to too many voices without which may lead him or her down the false paths of misinformation.

Sincerely,

Robert R. McGill, Esquire