CSRS & FERS Medical Disability Retirement: Sand Castles

Walking the beach in the winter months, one can imagine the activity of the previous summer; of the gaiety of childhood mirth; laughing squeals of delightfully unrehearsed cacophony mixed with the rolling sounds of surf and sun swept music of hollow reeds bending in the dunes of nature’s creation; and of sand castles constructed for a day, only to disappear in the silence of night as the tide comes, toppling the singular turret and washing over the parapet walk, never to be inhabited again but for a future summer to come.

It is those very sand castles which we build, and to which we cling, then refuse to allow nature to sweep away, thinking somehow that through sheer human will and dominance of stubbornness, we can betray and defy the fragile nature of our being.  Clinging to bygone feelings of security and warmth is a characteristic of human folly.  We do it to our own detriment.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition prevents one from performing the essential elements of one’s job, there comes a point of “letting go”.  Often, the time to do so has passed by; but so long as one is within the legal, statutory timeframe, it is never too late as a practical matter to file for Federal Disability Retirement benefits.  Whether under FERS or CSRS, a Federal Disability Retirement application is ultimately filed with the U.S. Office of Personnel Management.

For many Federal and Postal Workers, the recognition of making “that dreaded change” is a difficult decision to make; and like sand castles built for eternity in a child’s mind, the reality is that very few things in life last longer than the pull and tug of the tides of change which inevitably wash away the dreams we once held.

Sincerely,

Robert R. McGil, Esquire

Federal and Postal Disability Retirement: Tides and Turbos

Tides represent the natural ebb and flow of a rhythm in nature which occurs beyond the capacity or power of Man to control; turbos are mechanical inventions which exponentially increase the power of a machine to attain heights of artificial prowess previously unmet.

Both inspire a certain sense of awe.

The pull of the waters, though gentle in the lapping of waves and the gradual increase and decrease of the land becoming overtaken by the waters, then receding, is nevertheless an unstoppable phenomena; and anyone who has sat behind the wheel directing an engine with turbo power understands the sudden boost of energy and speed which can be wrought.

Both represent a force; the former, one which cannot be controlled; the latter, one which can only be directed.

How we approach life, our philosophy and manner, often parallels tides and turbos.  Some merely accept and go with the flowing rhythm of tides; others try vainly to control that which cannot be subjugated.

For the Federal and Postal employee who faces a medical condition such that the medical condition begins to impact one’s life and vocation, it is often a lesson to heed; for if one’s personality has been throughout akin to the tides of nature, it is often easier to accept that a change is necessary; on the other hand, if life has always been characterized by one’s attempt to control and contain, it may be that resistance to the inevitable is something which one must contend with.

Knowing one’s self in the turmoil of change is often the first step in a successful process.

As filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is a major event in one’s life, knowing first what must be embraced is often the initial, and most difficult, step in the process.  Whether the enjoyment of watching the tides, or the thrill of feeling the turbos, characterizes the life of an individual, will aid in preparing to formulate the next step in a Federal Disability Retirement case.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement for Federal Workers: The Things We Hold Onto

Human behavior reveals much; while we believe we are the cleverest of all species, and persistently engage in self-congratulatory endeavors, including self-esteem courses and passing laws to ensure that we cannot mistreat each other; nevertheless, leaving one deep in the wilderness to face other carnivores, even for a single night, without implements, flashlights or prefabricated weaponry, shows how we might fare against our competition.

Within the context of our own safety nets, what indicates much about ourselves are the things we hold onto.  Whether memorabilia from an era long past; or perhaps a piece of clothing from our childhood; old photographs of a friendship once thought unimpeachable, but somehow lost touch through distance, time and divergent paths of life’s difficulties.  We hold onto things, people, memories and habituated lives, because the trend of daily monotony provides a circularity of security.

There is comfort in knowing, and doing, the same things we did yesterday and the day before.  Erratic lives and daily unforeseen circumstances are rarely welcomed events.  Certainty evinces security; past patterns provide surety; and monotony allows for meaningful interludes of interrupted excitement.

For the Federal and Postal Worker who suffers from a medical condition, it is unfortunately often those things we hold onto for too long which comes back to haunt.  The old job, the past pattern, the known life; it all worked when once we were healthy.  But the uncertainty of the future dominates precisely because we tend to hold fast that which needs to be let go.

Federal Disability Retirement benefits, filed ultimately through the U.S. Office of Personnel Management, is an employment benefit available to all FERS, CSRS and CSRS-Offset employees under the Federal employment system.  It allows one to “let go” of past patterns of pain, suffering, and constant agony because of one’s medical condition, and to look to the future for a different and brighter prospect.

It may test the Federal or Postal Worker by placing him or her in situations not previously known; but, fortunately, it will not be a test against other species in the wilderness, but merely of one’s own kind.

Sincerely,

Robert R. McGill, Esquire

Disability Retirement for Federal Workers: Unwanted Change

Stability is what we seek; yet, with stability comes habituation and a staid routine of repetitive boredom.  Adventure, excitement and stimulation; these come at a price, and so we revert and remain in the cocoon of safety, daydreaming of that potential, other-worldly experience, but only if it can be attained under certain circumstances within our control.

That is the anomaly; change is often desired, but only with certain prescribed and proscribed stipulations within our control.  Unfettered change is to enter into the unknown, and therefore unwanted.

That is why medical conditions which impact one’s daily life is unwanted; not only did we not ask for it, and not only is it a burdensome change which forces one to rethink the course of one’s future; it is an experience into the abyss of the unknown.  It is an unwanted change precisely because it suddenly, and often irreversibly, mandates an alteration of course.

For the Federal and Postal Worker who suffers from a medical condition such that the medical condition prevents one from performing one or more of the essential elements of one’s positional duties, serious consideration should be given to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.  Whether under FERS or CSRS, Federal Disability Retirement is an employment benefit offered to all Federal and Postal employees.

In the midst of turmoil and change, it allows for a return to the landscape of stability by providing for a base annuity, and a change to engage a second, alternative vocation.  Medical conditions are unwanted changes, and the control which one seeks within the turmoil of life is often found by attaining a further change beyond that unwanted one.

Sincerely,

Robert R. McGill, Esquire

Federal Employee Medical Retirement: The Value-Driven Life

Are expectations unrealistically embraced, adopted and concretized at the outset, without thoughts of malleability and alterations subject to changing circumstances? What happens when societal demands, whether explicit or implicit, clash with personal ambitions, to create a dissonance which tears apart the soul of Man?

The psychological chasm between what we believe our parents expect, what we desire, how we view the values as espoused in daily discourse with the world around us, becomes entrenched at an early age, and attaches to our psyche before we even have a chance to test the waters of reality. That is why most people find it difficult to adapt and to respond adequately to ever-changing circumstances.

Yet, the way in which we remain inflexible is a denial of reality; for, life rarely proceeds upon a linear direction without unexpected turns and twists. The love that we thought would be forever, ends in divorce and destruction; the career which we believed was the key to success, turns out to be a mere means to pay the bills; and the puppy that was to grow old with you, ceases to be before its time.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition impacts and prevents one from performing the essential elements of one’s job, the idea that life’s alterations must result in reactive responses different from the original course of one’s career, is not a new notion.

Filing for Federal Disability Retirement benefits, whether under FERS or CSRS, through the U.S. Office of Personnel Management, is obviously a career-changing, major decision to make. But the very fact that the benefit’s availability for all Federal and Postal employees who have a minimum of 18 months of Federal Service under FERS, or 5 years under CSRS, at least allows for the option to be offered at all.

Options are avenues for responding to life’s reality of twists and turns, in real time, based upon real circumstances. The paradigm set as a child may be nothing more than a dream once enjoyed; but in growing up, those childhood dreams needed to be adjusted in order to accommodate the reality of our daily lives.

Sincerely,

Robert R. McGill, Esquire

Federal and Postal Disability Retirement: Paradigm Shifts

One of Thomas Kuhn’s major works, The Structure of Scientific Revolutions, provides an excellent historical analysis, as well as a philosophical proposal, of how science works — not in a progressive linear fashion as one would expect and anticipate, but rather in erratic paradigm shifts based upon pragmatic considerations of that which works, replacing outmoded or unworkable models of inefficiency.

The book itself is instructive on how, in a macro sense, the scientific community, with all of its fallibilities, works with fits and starts; in a micro perspective, it is profoundly revelatory on how individual human beings operate in this world.  We all carry around paradigms; of who we are; what role we play in our family, our greater community, and in the historicity of our involvement.

Often, however, the outside world, through all of its influences and mandates, will force a change of our internal paradigm; at other times, we decide in our own volition to alter and tinker with the paradigm.  For Federal or Postal employees who are forced to contemplate filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, the upheaval of a sudden career change, of a self-realization that one is no longer that youthful, energetic colleague who is efficient and competent, but rather a medically disabled employee, is often a devastating shift in one’s self-image and the paradigm which one carries about within the vast world of empathetic devoid.

Yet such a paradigm shift is necessary.

The good news is that Federal Disability Retirement is itself a paradigm which contemplates future potential for a second vocation; it allows for Federal and Postal employees to obtain an annuity, then to go into the private sector and continue to work, and make up to 80% of what one’s former Federal job currently pays.  Federal Disability Retirement is not a paradigm of “total disability”; it is one based upon a slight amendment to one’s original paradigm, with a view towards a brighter future.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Medical Disability Retirement: The Funeral that Never Was

Filing for Federal Disability Retirement benefits, for most Federal and Postal employees, is tantamount to attending one’s own funeral:  the time spent at one’s job constitutes the larger portion of one’s waking life, and to dissociate and sever the ties to an organization comprised of people, coworkers, missions and a daily sense of accomplishment, results in the same sense of finality and irrevocability.

That is why, even for those who have a feeling of elation in being able to “get away” from an agency — whether because it had become a poisoned atmosphere of acrimony and contentiousness; or perhaps one’s own sense of conscientiousness left one with a sense of guilt; whatever the reasons — the filing for Federal Disability Retirement benefits means that the struggle to continue on, despite a medical condition which is preventing one from performing all of the essential elements of one’s job, is coming to an end.

That is why, for Federal and Postal employees who are contemplating filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, it is psychologically a difficult decision to make.  But it is a necessary decision, in order for one to have that period of recuperative calm, to regain one’s health in order to move on to the next stage in one’s life.

It is difficult to move on precisely because there never was a funeral to attend.  As with a death, others in the community continue in their daily routines after the funeral; the memories fade, and time heals all wounds.

When one departs an agency or the U.S. Postal Service based upon a Federal Disability Retirement, a similar continuum of life occurs; others go on about their business; mean and depraved people seem to linger on the longest. There just never was a funeral to formally declare the date of finality; instead, as with MacArthur’s famous quote:  “They just fade away”.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Medical Disability Retirement: Confronting the Change

The transition from being a Federal or Postal employee to one of a disability retirement annuitant will inevitably spawn questions — not only concerning the process itself, but the impact, response, reaction and collateral events with which an Agency will engage the Federal or Postal employee.

The process itself can never be entered into, or participated in, within a vacuum.  Preparing, formulating and filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, is a complex decision, and one which involves so many facets — impact upon one’s economic circumstances; the transition to a different career or vocation; the severing of ties to coworkers and supervisors; a change in the way one lives one’s life, etc.

Thus, it is not merely a matter of filing paperwork; it is not just a recognition that one has a medical condition such that you cannot any longer perform all of the essential elements of one’s job, although that is also a large part of it.  Rather, it involves the emotion, mental, and physical toil and turmoil of “change”.  And, indeed, change itself is a stress; change of any sort means an end of something, and a beginning of something else.

It is often that “something else” — the unknown of the future, which represents and greatest fear and challenge.  But the question one is left with is often:  What choices and alternatives do I have?  Once that question is asked, the road through Federal Disability Retirement often takes an easier path.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement Benefits for US Government Employees: A Thoughtful Paradigm

Federal Disability Retirement benefits under FERS or CSRS is a well-thought out paradigm of benefits for two primary reasons:  (1)  First, because it allows for a base annuity for those productive workers who are no longer able to perform one or more of the essential elements of one’s Federal or Postal job, and allows the Federal or Postal Worker who is disabled to have a period of time in which to recuperate and tend to the medical needs in order to regain his or her strength, energy, abilities, etc. — physical, emotional, cognitive or otherwise; and (2) Second, because it allows for the Federal or Postal Worker to become a productive member of society in a different, “other” job.  

While many may be concerned that, in this regressive economy, the prospect of obtaining another job may be severely limited, such an approach is short-sighted.  The economy will rebound; opportunities will arise as various economic sectors adjust to changing circumstances; and during the entire process, the Federal or Postal Worker who is on Federal Disability Retirement benefits from the Office of Personnel Management will be able to receive a base annuity in order to recuperate from the medical condition.  

All said, the alternative prior to the Federal Disability Retirement benefit becoming law was bleak and short-sighted:  to terminate the unproductive Federal or Postal employee, and let him or her go out to deal with loss of job, loss of income, loss of medical insurance — on top of the medical condition which forced the Federal or Postal Worker out in the first place.

Sincerely,

Robert R. McGill, Esquire

FERS & CSRS Disability Retirement for Federal and USPS Workers: The Weekend Illusion

The problem with relying upon weekends is the imbalance of perspective which results therefrom.  

For the universal man (or woman), work constitutes a disproportionate segment of one’s “identity“, and the weekend is often a rush of activity in order to perform those chores which “need” to get accomplished, as well as to engage in some recreational activities to “recharge” one’s battery.  This cycle of work-to-weekend-to-work is acceptable for most individuals, because it allows for some leisure activities.  

For a Federal or Postal Worker who is facing a chronic, sometimes debilitating, and often progressively deteriorating medical condition, the added factor of having a medical condition which forces one to utilize the weekends to merely recuperate and return to a level of mental or physical functionality just to be able to return to work for another week, such a cycle becomes distorted and out of balance.  Such a cycle simply cannot last for very long.  Thus, Federal Disability Retirement is an option to consider.  While the monetary return is negligible (60% of the average of one’s highest three consecutive years the first year; 40% every year thereafter), it is a basis upon which one can hopefully “break the vicious cycle” of using the weekends to recuperate for the work-week.  

The universal man and woman needs time for leisure, recreation and reflective thought, and weekends must allow for such time.  For Federal and Postal workers who have a medical condition which impacts one or more of the essential elements of one’s job, OPM disability retirement under FERS or CSRS must be a consideration in order to obtain that which is necessary for long-term healing, and not just for temporary periods of recuperation.

Sincerely,

Robert R. McGill, Esquire