Tag Archives: health insurance while on opm medical retirement

OPM Medical Retirement under FERS: Today’s Choices

Tomorrow comes quickly and the choices we have put off until they reverberate before the arrival of tomorrow unto today.  We tend to think that today’s choices won’t matter much, as the consequences are delayed and tomorrow is a light-year away in terms of today’s problems.  There is enough on the plate of life for today; tomorrow will come about after a good night’s sleep.

There are certainly enough self-help gurus attesting to such pablum:  To “live for the moment”; that reality is only in the “here and now”; That you must “smell the roses today” and let tomorrow’s problems come about in time, etc.  Yet, today’s choices cannot be taken out of the context of the greater whole; for, tomorrow is often determined by today, and today’s choices impact upon the opportunities of tomorrow.

For Federal Employees and U.S. Postal workers who suffer from a medical condition and need to file for Federal Disability Retirement benefits under FERS, the choices you make today will impact upon what occurs tomorrow, and that goes for preparing, formulating and filing an effective Federal Disability Retirement application with the U.S. Office of Personnel Management under FERS.

Contact a FERS Disability Retirement Attorney today in order to file for tomorrow, as tomorrow will come soon enough and become the today which was once upon a time, tomorrow.

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 Medical Retirement: The Perfection Sought

The perfection sought may not be the perfection of a priceless paradigm; rather, as we all have a subjective definition of what constitutes “perfection”, it may merely be a lesser image of what we aspire to.  We tend to think that “perfection” is an ideal form which everyone may agree upon: What is the perfect life?  What are the characteristics of perfection?  Is there such a thing as perfection in an imperfect universe?

The point is that the very concept itself is a debatable one; we can all come at it from imperfect perspectives, when in fact we may be confusing “better” with the penultimate “best”.  Perfection as the pinnacle of a Platonic Form; while striving to achieve it is what we often seek, embracing a lesser reality of it is that which should satisfy.  As life requires changes and adaptations to altering circumstances, so that which we set up as the paradigm of perfection should shift in accordance with our own needs and circumstances.

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, preparing an effective Federal Disability Retirement application to be submitted to the U.S. Office of Personnel Management may be the perfection sought in this alienating, imperfect universe.

Consult with a Federal Disability Retirement Attorney and get the advice and counsel in the pathway to reach the perfection sought.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Claims: Hanging on a contingency

The metaphorical image representing such a phrase allows one to pause and reflect: the dichotomy between the physical world and the conceptual one — of a person “hanging”, as from a cliff, with his fingers turning white from gripping the tenuous life-line of a flimsy branch, a loose boulder or an outstretched hand of another; and of the technical term that possesses meaningful discourse only in a purely theoretical universe of conceptual constructs — denoting the idea of a future event or circumstance that cannot be relied upon with certainty, but may trigger a series of consequential future contingencies or further occurrences, etc.

Thus does the physical and the conceptual come together in an aggregation of a compound conceptual construct that may connote thus: You are in a tenuous situation where your physical well-being is dependent upon a future uncertainty that may result in events that may or may not yet happen.

Such a conditional circumstance is often how the Federal or Postal employee feels, who suffers from a medical condition, such that the medical condition may result in the necessity 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.  For, it is indeed the “physical” part of the entire event — the medical condition itself — which makes one feel “as if” one is dangling from the edge of a cliff.

And it is the “contingency” — the uncertain triggering mechanism, such as the anticipated adverse reaction of the Federal Agency or the U.S. Postal Service; the tenuous reliance upon a doctor’s diagnosis and treatment; the growing inability to perform one or more of the essential elements of one’s positional duties — that makes the medical condition all the more magnified in its exponentially-exacerbated conditions of anticipated calamities.

Life is often an unfortunate series of having to hang on to a contingency, but when a medical condition enters into the fray, it makes it doubly more tenuous, and preparing, formulating and filing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, is at least a concrete step that allows one to grip the reality of one’s situation, and perhaps leave all future contingencies, tenuously anticipated, aside.

Sincerely,

Robert R.McGill, Esquire

 

FERS & CSRS Disability Retirement for Federal Employees: Last

It is a peculiar word; for, it can mean both the final, end and trailing subject remaining in the far recesses of a sequence, likely to be forgotten and – except for the Biblical reference where such an entity can be accelerated to the front of the proverbial line – surely to be abandoned; yet, it also connotes endurance, the capacity to outfox others in similar circumstances, and the symbolic appearance of vitality and energy.  “Oh, that’s the last thing in the world you want to buy”, goes the dismissive utterance in considering that which is not of significance or relevance as a priority to be considered.  And:  “That’s one of a kind – it will last forever,” comes the accolade showered upon a product of excellence.

How can a single word comprised of four letters – the required singular vowel and the remainder of consonants surrounding like a moat protecting the castle encasing and elevating the royalty of linguistic peculiarities – possess such a diversity of meanings, like antonyms inherent in a conglomerate of a sole voice conflicted and yet without self-contradiction?  Is it like the grammatical equivalent of a tortoise in that famed fable who is considered always to be last, yet endures the scorn and scoffing of an audience that has no clue about that which will last beyond the ordinary circumstances of normative equivalency?

Yet, despite its innate complexity of meanings, ordinary people every day use it with aplomb, confidence and without any internal sense of being confounded by the challenges posed.  You don’t have to earn a higher-level degree or spend years of hermeneutical turmoil in order to offhandedly fling about in the daily language games engaged.  “I hope the good weather lasts”; “We’re the last ones in line”; “It is bad manners to take the last one”; “The parties hope for a lasting peace”.

For Federal employees and U.S. Postal employees who need to file 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, the process of enduring a Federal Disability Retirement procedure will have a lasting impact upon the Federal and Postal employee, and this is especially true whether the Federal or Postal employee is the last person standing, in a proverbial sense, and often that is how the Federal and Postal employee feels – as if he or she is the last person in the Federal Agency or Postal facility to be considered for anything, because he or she is targeted as that last bastion of a thorn in the metaphorical backside of a lasting fight against the last thing the Federal Agency or Postal facility wants to deal with – the last man standing who will last through the harassment, intimidation and adversarial process of a lasting Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Medical Retirement: Seasonal Rhythms

We are completely disconnected from the imposition of nature’s imperatives; through artificial means, we extend the light of day in the name of productivity, and prevent and shut it out for the sake of lengthier restorative sleep; we defy slumber and seasons of cocoon-like hibernation with unnatural heat, and resist the middle of the day where scorching temperatures and required siestas in other countries are ignored and scoffed at.

The rhythmic beat of breathing and hearts, like the seasons of change or vicissitudes of weather, are mere obstacles to be overcome; and whether successful or not, we forge onward in any event, ignoring the cost of defiance and neglecting the reality that once, we were sons and daughters of a primordial world, part and parcel of the natural order, but like the two figurines who left and traveled east of eden, the past we abandoned behind became a burden quickly forgotten for the price of ransoming the ransacking of the world we rejected.  But the rhythm still remains, despite our best efforts to control and command.

For the Federal employee and the U.S. Postal worker who begins to suffer from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s Federal or Postal position, the disruption from the artificially-created confines of the work environment is likened to the rejection and resulting turmoil from the natural rhythm of life.

In abandoning and becoming disconnected, we have created a different rhythm of living; and when that manufactured one is interrupted, where does one return to?  Medical conditions are often considered as mere irritants to our goals and teleological make-up; when, in fact, they are precursors and warnings foreboding nature’s tap on one’s shoulder.

Filing for Federal Disability Retirement benefits may appear to be another artificial means of escaping, sort of like leaving the proverbial frying pan into the fire; but once we left behind the mythological state of nature, and into the social contract of a burdensome bureaucracy, the necessity in engaging the administrative process itself becomes our inevitable fate.

Federal Disability Retirement, for the Federal and Postal worker, whether under FERS, CSRS or CSRS Offset, is a benefit accessible precisely for those whose rhythmic entourage has been interrupted by the self-immolation of a disease or injury; and as rhythms go, the beat of the drummer which leads one away from the discordant band which plays upon the deterioration of one’s body, should provide the pathway towards preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, in order to head west back to the garden of eden one left behind, once upon a time.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement: Days of Partial Life

To whom do we owe our due?  What motivates, compels and propels?  Is it by way of a sense of indebtedness (a sort of negation attempting to claw back and regain a foothold), or an assertion of one’s rightful ownership of life, land and property?  Or perhaps there is a sense of a higher calling, whether by teleological justification, or a whisper of duty?

Some days, we walk within a mist of stupor, half-alive, barely conscious, and hoping to simply get through the day.  Other days, a breath of fresh air fills our lungs, and life promises a brighter future, like the winds suddenly lifting the stagnant kite higher into the heavens where promises of greater glories hold truth in the palm of an angel’s hand.  We often fail to recognize the power of our own daily will; it is free to choose, undetermined in the morning, past memories in the afternoon, and concretized by night.

There is a difference when an individual is beset with a chronic and debilitating medical condition, precisely because in such circumstances, one’s daily life is no longer free to choose like entrees on a menu for a preset course of delectable meals.  No, individuals with impacting medical conditions can only live lives of partial living, bifurcated into elementary segments:  times of pain, times of being pain-free; times of lethargy and cognitive loss of focus, and rare times of mental acuity and clarity of judgment.

For Federal employees and U.S. Postal workers who suffer daily from a medical condition, such that the medical condition begins to prevent one from performing one or more of the essential elements of one’s job, the judgment to file for Federal Disability Retirement may come when the proportionate bifurcation of the partial life reaches a critical point where the segment of pain exceeds the portion of non-pain, or put quite simply, when the quality of life deteriorates so miserably that one’s days off are merely used up in order to recuperate for further days of pain or cognitive dysfunction.

Federal Disability Retirement, filed through the U.S. Office of Personnel Management, is a benefit available to all Federal and Postal employees who have a minimum number of years of Federal Service (18 months for those under FERS; 5 years for those under CSRS).

When those days of a full life become transformed into a chronic continuum of days of partial life, it is time to consider 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

 

Federal Employees Disability Retirement System: The Stradivarius

It has come to represent a superlative; a standard of excellence which cannot be exceeded, and considered as the penultimate achievement beyond which only angels and heavenly bodies can ascend to, or hope to touch like the light mist of dawn slowly rising to the tips of the alps wrapped in the greenery of nature’s untouchable paradigm.

The history of related intrigue is without match, as well; of the secrets protected within the family of instrument makers; of smugglers and thieves and the attempts by collectors to preserve the remaining authenticity of those made by the master of violins; and the keen eye ever wary of impostors and counterfeiters.

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, it would be well to always keep the symbol of excellence in mind, as the goal to achieve.

The shabbiness of putting forth a half-hearted attempt at anything is demeaning; an achievement through error or accident is rarely of any consequence; but by reaching a height of excellence within the context of suffering from a condition which impacts one’s ability to perform the essential elements of one’s job, is to recognize the worth of one’s capacity to still maneuver the winding complexities of this confounding world.

The gathering of proper medical documentation; the clarity of expounding the necessary bridges and legal argumentation in compiling an effective OPM Disability Retirement application; these all need to come together, like the master’s hand in constructing an instrument of heaven’s whispers.  The daunting task of facing a bureaucracy can always be disheartening; the goal of achieving a successful outcome, however, should always be the eye which guides, and excellence the key to that endeavor.

For the Federal and Postal employee who wants to file for Federal Disability benefits through OPM because one’s Federal or Postal career has now come to an end, the final step in creating the music of an orchestrated exit should be to ensure the excellence of an OPM Disability Retirement application, in order to step into the next phase of life, and to achieve the subsequent future for a Stradivarius achievement.

Sincerely,

Robert R. McGill, Esquire