Tag Archives: keeping your medical insurance when receiving fers and csrs retirement disability

FERS Disability Retirement Law: A Comma, Not a Period

If each of us were but a punctuation in life, what would we be?  Of the curious mind — forever a question mark?  Or of that person with immovable convictions who goes around always opining on every subject, whether with knowledge or not — perhaps an exclamation point?

And of present circumstances, do we ever want to be a period, or merely a comma?  For, the period is that dot of finality, whereas a comma is merely a pause, an interlude, a hesitation before the rest of the sentence continues.

Do we really want the thought to end, or merely to cause a pause and then proceed with a burst of thoughtful streams where life continues on, the plot remains as thick as ever, and the chapters continue for pages upon pages?

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 or basic elements of one’s Federal or Postal job — don’t let the medical condition end your career with a period, but rather, let it be a mere pause like the comma which hesitates.

There is, after all, life after the Federal government, and preparing, formulating and filing an effective Federal Disability Retirement application under the Federal Employees Retirement System (FERS), submitted through the U.S. Office of Personnel Management, allows for the story to continue after the comma, as in being allowed to make up to 80% of what your former Federal or Postal position paid, on top of the Federal Medical Disability annuity you will be receiving.

Contact a FERS Attorney who specializes in Federal Disability Retirement Law, and allow your life to be a comma with a continuing story to live, instead of the finality of a period which negates a brighter future.

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 Medical Retirement for Federal & Postal Workers: The Saddest Story

What makes for a sad story?  What touches us as the saddest story?  Is it a tragedy unexpected — as in, the death of a parent, leaving behind a grieving spouse or partner, and dumbfounded kids?  Or is it the story of a promising young person whose life is cut short by an accident?

Does “fault” matter?  If death or grave injury occurs, does the sadness of the story depend upon whether and to whom one can ascribe blame?  And does intentionality also come in as a factor — of whether the death, injury or unfortunate circumstances resulted from a deliberate and intentional act, or whether it was an “accident” where the event just played itself out without any participatory involvement of the “victim” in a given case?  Or, is the sad or saddest story dependent upon the viewer, the reader, the witness, etc. — of how sensitive that person is, whether he or she possesses an empathic character or one which is somewhat more blunted and callous?

Or, as is more likely — does it depend upon both: Of the story and the receptor in combination to determine the “sadness” of a story or narrative?

In the end, the saddest story combines the elements identified: Of a potentiality cut short; involving circumstances beyond one’s control; where fault cannot be ascribed; and where someone must pay an unwilling price.  Sounds somewhat like a Federal or Postal employee who must file for Federal Disability Retirement benefits under FERS.

Of course, there are greater tragedies — where death and grieving widows are concerned; but one should not discount the plight of the Federal or Postal employee who can no longer continue in his or her career, and must file for Federal Disability Retirement benefits.

Contact an attorney who specializes in Federal Disability Retirement benefits under FERS, and begin the process of preparing, formulating and filing an effective Federal Disability Retirement application, and preparing the Applicant’s Statement of Disability for OPM to ponder the saddest story.

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 and Postal Worker Medical Disability Pension: Perspective

We all have one.  When we fail to recognize that others, also, have one — and one which is different from ours — that is when we get into arguments, disputes, irreconcilable differences, etc.

The complex Kantian position of ordering the universe through a structural imposition of an otherwise chaotic reality gets filtered down to the ordinary person’s understanding that, yes, we come from different places, distinctive upbringings and alien cultures.

It makes a difference upon how we view the world.  Some are eternal optimists; others, bedtime pessimists.  Some view others skeptically; others, with open arms and “you’re my best buddy” upon a first encounter.

Conformity by society quashes the unique soul, and so we come to expect everyone else to have a similar, restrictive perspective.  When others step outside of the demarcation of acceptable perspective, we often find it threatening.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition no longer allows for the Federal or Postal worker to perform all of the essential elements of one’s Federal or Postal position, a necessary change of perspective often occurs.

No longer is the Federal Agency the friendly place of reserve; no longer is the Federal Agency looking out for your best interests; and no longer is your Human Resources Office of the Federal Agency the “helpful” department.

Contact an OPM Disability Attorney who specializes in Federal Disability Retirement Law and begin to conform to a world comprised of an adversarial perspective.

Sincerely,

Robert R. McGill, Attorney

 

FERS Medical Retirement: Thursday’s Groan & Friday’s Smile

One often wonders whether or not happiness is tied to the day of the week.  Are people less happy on Thursdays because, while it is one day beyond the middle of a work week, it nevertheless looms far before the respite of the weekend?  And of Fridays — do people express greater happiness because the day is about to end and the weekend is about to begin?  Do we all, in fact, groan on Thursdays and smile on Fridays?

Is work so stress-filled that we have become a society which lives for the weekend, and why “escape entertainment” — of movies, reality television shows, fantasy novels and treks to outlying areas where the reality of one’s human condition can be — for a time, at least — replaced with the solitude of the wilderness?

Thursday’s groan and Friday’s smile tend to represent how we view the weekly rotation of life, and when a medical condition begins to creep into the mix, the groans can extend into Friday, and beyond into the weekends, making the temporary respite from an otherwise stress-filled life to be almost unbearable.

For Federal employees and U.S. Postal workers who view weekends as merely a time to recuperate in order to make it through a work week because of a medical condition that debilitates during the rotation of the middle days, it may be time to consider filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.

Consult with a FERS Attorney who specializes in Federal Disability Retirement Law, and begin the process of avoiding the general rhythm of Thursday’s groan & Friday’s smile.

Sincerely,

Robert R. McGill, Esquire

 

Early OPM Retirement for Medical Incapacity: The many tomorrows yet to come

Does hope lie fallow when the basket of tomorrows become numbered too few?  When endless tomorrows lay before one’s imagination, too numerous to count that one need not bother, does that purport to show that one has a great quantity of hope, or merely that youth’s folly allows for a carefree tomorrow where an eternity of tomorrows can never be reduced to a handful beyond a few todays?  Can time and incremental portions of divided moments be quantified in that manner?

That has always been an anomaly for the undersigned writer — the quantification of time, as in the manner that religious beliefs are scoffed at when it comes to the story of genesis.  For, those who hold to the strict construction and literal meaning of the timeline of how old the earth is, count the obscure generational extensions of people who lived in former times, and somehow declare that the world is X-amount of years old.  How one can calculate with precision that which is not explicitly stated is a conundrum in and of itself, leaving aside the issue of whether time can be quantified if the order of the planetary system and our specific galactic orbit had not yet been established.

Evolutionists, of course, contend that the world was clearly created billions of years ago.  To both, the question is:  Tell me the logical difference between the following 2 statements — 1. The world was created a long time ago, and 2. The world was created billions of years ago.  Do humans have the capacity to imagine time beyond the present moment, or perhaps yesterday or a couple of days ago?  What does it mean to say to a person, “A type of human being walked the earth 10 million years ago”?  One can barely remember where one has placed the screwdriver used last week, and yet people want to put some significance upon a belief-system that purports to quantify time.

Ultimately, the question of whether one believes that the earth is a mere 10,000 years old, or billions of years in the making, is not a factual or scientific one; it is, a political condemnation that categorizes a person’s religious belief into a bifurcated system of: Is he/she “scientific” or “religious”?  In the end, time cannot be so easily quantified; rather, it is a basis of hope and an anticipation of a future yet to be resolved.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal and Postal worker from performing one or more of the essential elements of the Federal position, time often becomes paralyzed, much like our imagined world of dinosaurs and prehistoric images of those Pleistocene eras and beyond; and as time is unable to be made meaningful except in the here and now — by imagining the many tomorrows yet to come — preparing an effective Federal Disability Retirement application that lets you project a life beyond the present-day circumstances of pain, medical conditions and deteriorating health, is the singular differentiating way that humans can separate themselves from other species: with hope.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Federal Government Employees: Age-based worth

That is the ultimate hub of it all, isn’t it?  Age is always a factor, whether a society enforces protective measures, anti age-discrimination laws, or simply deny the underlying existence of the subtleties that conceal the unfairness of it all.  What is it about age that compels people to judge the worth of others based upon it as the singular criteria that determines value?

If a person is expected to be at the “end” of one’s life — say, nearing 80 or 90 years old — is that person’s worth any less than the newborn who enters upon this world with the same expectancy as that old codger’s past remembrances?  Why do we consider it an honorable gesture if, on a ship that is about to sink, the older men make sure that children (and women) are the first to fill the lifeboats and rafts before considering themselves?  Are their lives not worth of any greater, equal or identical value as the young ones who benefit from such unequal conduct?

Perhaps, in modernity, such gestures of chivalry would no longer apply, and the more current perspective of “first come, first survive” would be the rule of the day.  In a society where criteria of worth and value have been cast aside and where each individual is considered without regard to age, race, ethnicity or origin, is perhaps the better approach — but is that true in all contexts and circumstances?  The fact that there should be no discrimination based upon age in the workplace — does it mean that the same rules should apply in the sinking-ship hypothetical?

For Federal employees and U.S. Postal workers who are considering 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, age must always be a consideration because of the automatic conversion to regular retirement at age 62.  On the other hand, the time that a person is on Federal Disability Retirement counts towards the total number of years of service when the recalculation occurs at age 62, and so the extra percentage points will be of great benefit no matter how old a person is.

The laws seem always to favor the younger, and age-based worth is often a consideration in engaging any and every sector of life, and that is no different in considering filing for OPM Disability Retirement benefits, whether under FERS, CSRS or CSRS Offset.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Casuistry and Sophistry

It is often used to described “applied” ethics — that branch of moral questioning which evaluates and analyzes an actual case, as opposed to a theoretical artifice constructed for purely pedagogic purposes, devoid of flesh and substantive import.  No longer constrained by the ivory tower of hypothetical unversality, and thus vacuous of feeling, real empathy and true relationships, casuistry naturally devolves into sophistry, where self-interested motives become ensconced.

Devolution denotes a denigration of sorts; such a statement is not deliberate in its alliterative force, but an antidotal utterance in contrast to the Dawinian consort of progressive genetic advancement; and it is precisely because self-interest betrays itself in such instances, by attempting to justify the very basis of its validity in a flawed methodological argumentation.

Sophistry, of course, connotes bad logic; moreover, it often implies a deliberate self-knowledge of utilization of such flawed rationale, despite “knowing better”, precisely because the debater wants to conceal the self-interested motive by engaging in a cover-up by effusive elongations of elaborate textiles of tactless show-boating housed in linguistic gymnastics of confounding conundrums.

Russell was good at this; Wittgenstein, better; and Heidegger the ever superior in concealment of his underlying Third Reich connections.  It is, indeed, difficult to demarcate the two; for it is casuistry which necessarily devolves into sophistry, and sophistry forming the foundational basis of casuistry; but as to which came first, the chicken or the egg, one can only guess at.

When self-interested motivations are involved, where justification of actions cannot be bifurcated from the involvement of the personal pronoun, the devolution of antagonism by self-preservation into anarchy for protective reasons will naturally follow.  Can an individual separate the underlying insinuation of self-interestedness from a discussion involving one’s self, if the outcome will impact the life, livelihood and living circumstances involved?  Perhaps.  But unlikely, and rare in its substantive occurrence.  For, the very conceptual constructs involved are oxymoronic at best, and blatantly self-contradictory, at worst.

To maintain integrity where self-interested motivations follow, and then to engage in valid logical argumentation devoid of a devolved sense of self, is a high price to pay, and a higher standard to bear.

For Federal employees and U.S. Postal workers who must prepare, formulate and 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, this conundrum is indeed the flashpoint of being able to prepare such an effective Federal Disability Retirement application.  For, it is precisely the “self” which must be discussed, the “I” which by necessity be inserted, into the discussion of attempting to justify the nexus between one’s medical condition and the inability to perform one or more of the essential elements of one’s Federal or Postal positional duties.

In doing so, an expansive delineation must be posited on SF 3112A, where by a preponderance of the evidence, the Federal or Postal employee must prove the formulated connection between the medical condition and the inability to perform one or more of the essential elements of the job.  In doing so, take care to guard against a casuistic argument devolving into a sophistry of incalculable innuendo of self-interested flaws.  It is the hubris of man, as Shakespeare always reveals throughout his tragedies.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: The Price of Admission

Private entities charge more; exclusive arenas tend to be out of reach; and it is, ultimately and as in all economic realities, determined by an admixture of supply (how many are allowed) and demand (how desirous is the goal of entrance and acceptance).  For every admittance, there is a price to pay.  Often, it is not merely the affirmative transfer of money or goods, but rather, the negative aspect of what one must “give up” in order to attain the end.  It often involves a comparative analysis, an economic evaluation of gain versus loss, and in the end, the emptiness of the latter being overtaken by the value of the former.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to awaken an awareness that one’s career may be coming to the twilight of that lengthy, successful run, it is often that “price of admission” which makes one hesitate.  For the Federal and Postal employee who must 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, the question is double-sided:  the price one “has been” paying to remain as a Federal or Postal employee, as opposed to the loss of employment status, or becoming an “ex-member” of that exclusive club.

Change always portends a trauma of sorts; the medical condition and the revelation of vulnerability, mortality and progressive debilitation was in and of itself crisis of identity; but when it becomes clear that the medical condition begins to impact one’s ability to perform all of the essential elements of one’s positional duties, and that further changes to one’s career and livelihood must by necessity occur, then the avalanche of reality’s namesake begins to dawn.

The price of admission for one’s health, ultimately, is priceless; and that is the reality which one must face when preparing, formulating and filing for Federal Disability Retirement benefits through OPM.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: Delaying the Inevitable

Projection of future events, anticipation of coming circumstances, and rumination upon conflicts yet to occur; these are very human experiences beyond mere base anxieties.  Other primates may recognize and prepare to react to events about to develop, but the wide spectrum of time between the current state of affairs, and the projected future event, is perhaps the most telling factor in differentiating the complexity of human beings from other animals.

It is precisely because of this capacity to foretell, and thereby choose to forego, that we often allow for troubles to exponentially quantify, despite out own self-knowledge as to what is in our own best interests.  Perhaps that, too, is a telltale sign of complexity:  the ability to do that which is against one’s own egocentric universe.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s positional duties, the recognition that current circumstances cannot last forever, or even for very much longer, occurs fairly early on.

Is it the fear of actually acknowledging the truth of the inevitable?  Or, perhaps, merely a prayerful hope that things will change, that the next doctor’s visit will further enlighten, or that the medication prescribed, the surgery noted, and the therapy scheduled, will somehow improve such that one can continue to perform the essential elements of one’s Federal or Postal job?

Medical conditions, however, have a blunt and honest way of informing; it is not like a whisper or a winter’s cold which nags for a few days; the former can be clarified by asking to speak louder; the latter can be attended to by rest and a generous infusion of liquids.  But a medical condition?  It is that stressor in life where, despite out best efforts to ignore or wish away, the reality of its existence portends of our vulnerability and our fragile nature.

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 next, and inevitable step, towards securing a better tomorrow.  It is that “tomorrow” which cannot be delayed for too long, and despite the greater nature of our souls in hoping for a brighter future, the truth is that delaying the inevitable does nothing to stop the rotation of the earth on its axis; it merely fools the fool who foolishly fails to fully follow the path away from folly.

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