OPM Medical Retirement: Life’s mortgage

We all know well the concept behind it – of borrowing against the object itself, in order to “half-possess”, occupy and enjoy it presently against a future promise that it will be paid over an incremental period of time.  Sort of like life itself, or at least of one’s health.  Borrowed time; life’s mortgage; banking on a better tomorrow; relying upon a promise being kept based upon today’s favorable circumstances over a lengthy period of time well into a future we can never be certain about.

Yet, because the collateral is the object itself – normally, the house that is being mortgaged – the loaning institution actually doesn’t take any gamble at all, even if the value of the collateral plunges below the agreed-upon amount to be paid; one is still obligated, no matter what.

It is sort of like life’s challenge itself – of the promise of a promising life based upon an anticipated health that will last until the day when one is suddenly gone.  But life doesn’t always work that way, just as the mortgage, lien and promise of financial growth doesn’t quite always fold out as planned, like the scrolled blueprint that keeps trying to roll back into an obscured cylinder with each attempt to lay it flat.

Sickness occurs; health deteriorates; the 30-year mortgage that was promised at the onset of the contract signed doesn’t unfold as anticipated, and sometimes a default occurs – like the health that deteriorates and the career that must be ended.

Federal Disability Retirement is a benefit accorded to all Federal and Postal employees under FERS, CSRS or CSRS Offset, based upon the idea that recognizes that while a long-term commitment to a career is reasonably anticipated, there are instances where such a commitment may need to be modified in the event of failing health.  Unlike the bank’s position in a mortgage-relationship as lender-to-borrower, however, it is not quite all that one-sided.  There are options still open.

Thus, because Federal Disability Retirement requires only that a person be unable to perform one or more of the essential elements of one’s position being occupied, the Federal or Postal employee is allowed to go out into the private sector and work at a job somewhat dissimilar (so long as there are “essential elements” which are not identical to the former Federal or Postal position), and make up to 80% of what the former Federal or Postal job pays currently.

For, in the end, life’s mortgage is unlike the home mortgage where the lender holds all of the proverbial cards; at least for the former, the great thing is that the reliance is upon the capacity of man’s ability, and not upon the fine print hidden within the banker’s contract.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement under FERS & CSRS: Where we are

Wherever we are, we believe that is where the focal point of life resides.  Yes, it is a truism that the wider the travels, the greater recognition that one’s life is relatively insignificant, and that there are others in distant places where greater importance and relevance is objectively established.

But the subjective, human perspective cannot ultimately abandon the compass of where we are; for, it is the center of the compass itself that controls the direction of the gravitational pull, and while the North Pole may be where the forces reside (including Santa, all of his elves and helpers, and presumably Rudolph and the offspring), the perspective of where the arrow points remains constant:  It is the I, where I am and what circumstances impact me (in whatever form the personal pronoun is enunciated).

Is it an inevitable perspective – this egoism of the subjective “I” from whence the world is viewed, around which swirls the universe that rotates, churns and erupts in unanticipated transcendentalism encompassing the universal karma denoting an insignificant place in the warped historicity of mankind?  Or, is it possible to have been brought up in a community where there is no word within the language game of the collective peoples that points back towards one’s self?

Thus, the “what if” game:  What if there is no personal pronoun?  What if the perspective embraces only some other, such that each views the importance of the other and the relative irrelevance of the one who perceives the other, such that there is no one but the ego in a reflection of a mirror pointing to someone else – would that make a difference, such that there would therefore be no personal possessiveness, neither in grammar nor in envious jealousies of owning that which is everyone else’s?  Can a person exist without being erased and stamped out, in a society where collectivism is constant and self-realization is an alien concept unable to be comprehended?

But that is not so; here, in modernity, there is but the subjective “I”, the royalty of self, and the self-importance of the fanfare where each and every one of us seeks and relishes the quarter hour of fame, now transformed into reality television shows and Selfies on an extension pole, or by min-drones hovering with a camera taking aim at every movement of our selfish worth.

For the Federal employee and U.S. Postal worker who must prepare, formulate and file an effective Federal Disability Retirement application, be cautious in determining “where” one “is” – for, an effective Federal Disability Retirement application can quickly become consumed by the subjective “I” in the narrative delineated in the Applicant’s Statement of Disability (SF 3112A).

To be an effective Federal Disability Retirement application, there must by necessity contain and retain a certain sense of objectivity, tempered by the medical documentation and evidentiary compilation to be submitted.  Yes, yes – where we are is important in life, but remember always that where we are is only relevant from the vantage point of where we want to be tomorrow, and the day after that.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Requisite Sense of Control

Most of us require a semblance of self-determination, if only to conceal the inadequacies and keep at bay the disasters which portend, or pretend, whichever the case may be.  By controlling circumstances, we believe that we can maintain prevention of crisis, pre-determine the outcome of expectations, and squirrel away the hesitations and insecurities controlling us in our lives of desperate needs.  But life has a way of defying the macro-minutiae of the limited universe within our reach and immediate control.

Mastery of life is difficult to attain; just when we thought we had grasped the foundational principles of life and living, old age sets in, and the youthful vigor dissipates, like the ethereal dust of residue left behind by the flight of angels.

For Federal employees and U.S. Postal workers, it is that sudden onset of a medical condition which nags and refuses to go away, which becomes the harbinger of things to come.  Agencies and the Postal Service tend to be “meddlers”, and once a particular Federal or Postal employee becomes the trigger-sighted individual, the stray bullet that travels is normally not too far behind.  Loss of control, or the abandonment of a requisite sense of control, is derived when agencies target, and when adverse actions are issued, a PIP is imposed, and leave restrictions commanded.

Filing for Federal Disability Retirement is an option which is a viable avenue to pursue, precisely because it attains and reasserts that requisite sense of control, by securing a needed annuity for some semblance of financial security and stability.  Federal Disability Retirement is also a means of re-focusing one’s life upon the priorities which matter — such as one’s health and well-being, so that the harassment and hostility at work will cease.

But the long road in preparing, formulating, filing and waiting upon a Federal Disability Retirement application, filed ultimately through, and decided by, the U.S. Office of Personnel Management, is another bureaucratic morass which — for a time, at least — will feel like entering another and surreal universe where one’s destiny is in the hands of another:  OPM.  But in life, as in the parallel universe of the absurd, one must first lose control in order to gain the requisite sense of control.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Attorney: Farmer’s Market

They have cropped up everywhere, and have become popular sites where suburbanites can sense a closer connection to the food they put on their tables.  But as with all seasonal exchanges, the level of interaction is based upon the changing environment, the availability of produce, and the trending nuances of health, life and manner of living.

In the wintertime, the abandoned stalls and the empty inventory tells of a change of seasons.  We walk, observe, pick and choose, and if the color of the tomato doesn’t quite seem right, we pass by with nary a nod, or word of silent question mark.  Which side of the Farmer’s market are we on, in any given day?  Are we the seller of produce, or the buyer of selective goods?  Do the seasons change, and the temperatures ebb and flow, and are we malleable like the sea breezes that touch upon a morning surf?

Federal employees and U.S. Postal workers often feel the interchangeable position, and the vulnerability on any given day, based upon the changing of seasons.  Federal and Postal employees who suffer from a medical condition, such that the medical condition impacts one from performing one or more of the essential elements of one’s job, are likened to Farmer’s markets which come and go, and who set up stalls for selling of goods and produce, or were once like visitors looking for something different than the frozen foods at the chain supermarkets.

Once, the sense of being in control prevailed — whether in displaying one’s produce as the seller, or as the consumer choosing based upon the look of the fruit or vegetable.  Then, suddenly a medical condition comes into play, and options seem to diminish; whether from the perspective of the merchant, or of the buyer, you can’t seem to last the season in either role.

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 that becomes a necessity for the Federal or Postal employee who suffers from a medical condition which prevents one from performing the essential elements of one’s Federal or Postal job.

Like the changing of seasons, it brings to the fore the availability of one’s “product”, and makes of one the onlooker who doesn’t purchase, as well as the weekend merchant who tenders at the local Farmer’s Market, only to get back to one’s “real job” of toil and turmoil, like the rest of society who must contend with the forces of nature’s changing seasons.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: Compartmentalizing

It may well be another evolutionary vestige to have the capacity to divide, separate, pigeonhole and compartmentalize; otherwise, the extreme bombardment of visual and auditory stimuli would be overwhelming, and perhaps untenable to one’s ability to process the volume and extent of the information needed to receive, analyze and comprehend.

What is relevant; what must be immediately attended and responded to; which sets can be procrastinated; where does this bit of data go to?  In this world of information technology, perhaps the human animal is best suited to amass and bifurcate into seamless paradigms of perceptual pinholes for proper processing.  But, of course, as with all things advantageous, there are elements of negative consequences.

For those who have limited capacity to effectively engage in such endeavors; and for those who suffer from medical conditions which limit and reduce such capacity.  Medical conditions tend to lower the tolerance for stress; and in this world of fast-paced technology, there is little room for empathy for those who cannot maintain the maddening spectrum of timeless busy-ness.

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 job, the inability to withstand the level of stress is often the turning point of making the proper decision in preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal worker is under FERS, CSRS or CSRS Offset.

Some may whisper that he or she is no longer able to “hack it” in the real world; others may simply sneer or snicker with purposeless pride of pernicious penchant for punishing pointedness.  But the reality is that there is almost always an intimate connection between stress, the capacity to tolerate stress, and health.

Health involves man’s ability to compartmentalize; and whether through the evolutionary mechanism of survival of the fittest, where those who became best at separating the relevant from the unimportant; or just because those who are able to bifurcate and comprehend happen to parallel the course of history in developing the complexities of the information age; whatever the reasons, the time of ultimate compartmentalizing comes in the self-recognition that it may be necessary to identify the source of one’s deteriorating health, and to allow that to be the impetus and compelling reason to begin the process of preparing, formulating and filing for Federal Disability Retirement benefits through OPM.

Sincerely,

Robert R. McGill, Esquire