OPM Retirement for Mental or Physical Incapacity: Dreams quashed

It has a ring of finality to it, a tone of termination, a quake of unequivocal endings; to extinguish, to suppress or to stamp out; it is often used as an example of some authoritative juggernaut putting down and out a rebellion by some wayward bandits; and so when it is conjoined and combined with another word – one that denotes hope for the future, a flicker of light for something positive – that has a positive connotation, it becomes an oxymoron of sorts, or a compound concept that cancels out one another.

The first word allows for a future hope and anticipation of things yet to come; the second, a denial of the first, a negation of that which one lives for.  Dreams quashed is an admission of defeat where once victory was in hand; a resignation to the reality where warmth of hope yet remained; and a bowing to a reality where the subjective universe perhaps allowed for thoughts beyond that which the objective world would dictate.

The compound concept of dreams quashed, when applied to a young soul just starting out in life, is perhaps a tragedy; as one gets older and reaches towards the dusk of life, or of the old man in a rocking chair rocking the finals days of breath away into the sunset, perhaps less so.  Yet, for everyone, whether young, old or in-between, dreams constitute the fiber of life’s worth, the filament that connects between despair and a will to move forward.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to prevent, impede and block the ability and capacity to perform all of the essential elements of the Federal or Postal position, the recognition that a career may be coming to an end, and anticipation of that “dream job” one finally obtained after college, and the realization that the camaraderie of working on a team, of having a unified purpose and a singular mission that always moved towards the future, to fulfill mini-dreams and projects that leaped into the beyond such that tomorrow was worth living and the next day was an anticipated victory of some proportions, perhaps microscopically relative to the greater universe, but nonetheless a platform that reflected upon one’s self-worth; these constitute those very “dreams” that appear to be in danger of being “quashed”.

Sometimes, however, the dreams of yesteryear need to be adjusted, such that it is not truly a quashing, but merely a modification.

Federal Disability Retirement is a recognition not of a dream quashed, but of a priority realized – that health is not always a given in life, and that which we took for granted was never to be freely accepted, but a gift received by a token of one’s sense of mortality.  Dreams quashed are merely hopes deceived, and preparing an effective Federal Disability Retirement application, whether the applicant is under FERS, CSRS or CSRS Offset, is to merely delay the inevitability of another dream revived but perhaps left forgotten in the rush to make a living.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Medical Retirement: Deprogramming a Preconditioned Approach

The preconditioned attitude of the general public is that, if X has a medical condition, then such medical condition, by the very nature of the condition itself, will either entitle one to benefits, or not.  Such an approach is what one is conditioned to expect — that by the very nature of the medical condition itself, means that it will either lead to, or not lead to, a specified result.  This viewpoint and approach is based upon a definitional standard, where the very essence of what it means to suffer from X already predetermines whether one is eligible and entitled to benefit Y.

Social Security assumes such an approach.  To some extent, so does OWCP, because the Department of Labor is willing to pay a certain amount of compensation based upon a predetermined calculus of a percentage rating, for loss of limb, loss of use, loss of functional capacity, etc.

This is why Federal and Postal employees who first contemplate preparing, formulating and filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, will attempt to tie the fact of having a medical condition with the question, “Does this qualify me for Federal Disability Retirement benefits?”  But that is the wrong paradigm to use in asking the question.  For, eligibility for Federal Disability Retirement benefits from OPM is not based upon a definitional ascription of a medical condition; rather, it is that “third element” — the connection between X and Y, X representing the medical condition and Y standing for the positional duties which the Federal or Postal employee must engage.

In many respects, Federal Disability Retirement answers the philosophical question which David Hume asked:  Is there a necessary connection between cause and effect?  For Federal Disability Retirement purposes, the answer is a resounding “yes”.

Sincerely,

Robert R. McGill, Esquire

 

Early Medical Retirement from Federal Employment: Diaphanous characters

Like garments left little for the imagination, the thin veil we wear rarely conceals the warts and freckles which spread throughout the malignancy of our souls.  People often mistake and confuse Christendom’s barring of an impure taint from entering the gates of its exclusive club; it is not what you did, but that you did it, and refused to take the steps to expiate the uncleanliness.

Thus, from the perspective unsoiled whiteness, a speck will blemish whether the dimensions of the spot are quantifiable or not.  That is why we dress ourselves with something, or anything, thinking that behind the veil — despite its translucent and revelatory insubstantiality — will somehow provide a semblance of security in an otherwise brutal world of appearances even for lack of subtlety.  And it is with that diaphanous character — the one which allows for surface niceties, inane salutations and barely restrained disdain for one another — that we pursue our own interests, determine the selfish destiny of fated lives, and consider not the greater interests of a community no longer existing but for suburban neighborhoods lined with pristine lawns sanctified by an immaculate insensitivity for disregard of each other’s needs.

No, the character remains whatever the cosmetic superficiality we attempt to apply; and when we put too much make-up on, or inadvertently smear the eye-liner or lipstick of incommensurate measures, there will be waiting that one who is only too pleased to point it out.

And, any such veneer of empathy quickly dissipates once there is weakness revealed — as with Federal employees and U.S. Postal workers who fail to perform one or more of the essential elements of the Federal or Postal position, resulting from a medical condition which clearly impacts the ability and capacity to fulfill the positional requirements.  Such Federal employees and Postal workers, whether under FERS, CSRS or CSRS Offset, have the choice of filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, and indeed, this is often the best remaining alternative to embrace.

For, the greater society which proceeds obliviously beyond the troubles experienced by a next door neighbor otherwise unknown but for an occasional wave of the hand, nod of the chin or silent stares of impassivity as the roar of the lawnmower eviscerates the quietude of a summer’s day, merely reflects what occurs daily in the hallways and corners of offices throughout the microcosmic insignificance of what we do daily; we become mean, and only on the deathbeds of sudden conversions do we consider the consequences of our actions.

No, the diaphanous character which we pass by each day needs to be left alone, and for the Federal employee and U.S. Postal worker who experiences daily the subtle hints and not-so-subtle warnings of harassment and intimidation merely because a medical condition prevents the Federal or Postal worker from performing all of the essential elements of the Federal or Postal job, it is time to shake off the trepidation of life’s cold waters, and dive into the next phase which awaits you, like a lake of welcoming freshness with open arms revealing that childhood dream on the lazy elbows of a memory once forgotten, but still remembered with the voice which beckons in a whisper, “There is still a life beyond.”

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement: The 90/10 rule

It is a general principle to which most of us adhere to, or at the very least, confirm and affirm by own own actions or lack thereof.  In work, 90% of what we do constitutes drudgery and repetitive toil of uninteresting accomplishments; we strive, however, for that opportunity to perform the remaining 10%, which makes for an interesting career.

A similar proportional reflection applies to marriage and love; there are corollaries to the statistical generalizations, however, such as our own children and those of others — where 90% of other people’s kids are bratty and selfish, but only about 10% of parents know it, would acknowledge it, and might even own up to it, but where 90% of parents believe that their own kids are the cutest and most brilliant prodigies yet known to mankind.

Then, of course, there is grandpa’s admonition about people in general:  90% of the people you meet aren’t worth a penny’s value of attention, and of that 10% who might show some promise, 9 out of 10 (i.e., again, 10%, or 1% of the aggregate) will turn out to have merely fooled you.

What does that say about choosing a life-partner in romance or marriage?  90% of the time, people in general are going to disappoint, and 10% might meet expectations of contentment; but then, 90% of us believe that, from the “other’s” perspective, we ourselves always fall into that 10%, when in fact we likely fall into the 90% ourselves.

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 the Federal or Postal job, such a state of affairs likely falls into the minority of Federal or Postal workers — again, generally about 10%, if that.  The problem, however, is that the majority of that 10% or so (again, probably about 90%) believe (mistakenly or self-delusionally) that they will fall into the 10% of such groupings who are able to continue their Federal or Postal careers despite the progressively deteriorating condition.

What the Federal or Postal employee who falls into that initial 10% or less of the workforce, whether under FERS, CSRS or CSRS Offset, should do, is to ensure that you become part of that 90% or more of Federal employees or U.S. Postal Service workers who recognize that preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is not merely a matter of statistical luck, but requires a foresight of effective preparation and competent insight — in other words, to be in that 10% as opposed to the 90%, attesting to the fact that, all in all, the 90/10 rule has some grain of truth to it, if only somewhat on a 10/90 scale.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Of the Charmed, Charted or Chartered Life

Of the troika of possibilities presented, the first is rarely available or even an option, if by a “charmed life” is defined as one where wealth is never a restrictive element, potentiality is ever compensated by unlimited resource, and freedom to choose — whether an unproductive, leisurely lifestyle or one which mixes pleasure with some semblance of “doing something” — is but a whim of desire and utterance of a command.  Few of us have this option.

As for the second — of a charted life, where cultural conventions, societal norms and limited possibilities structurally imposed by birth, circumstance and family lineage — this characterization is fast receding into the dustbins of antiquity.  For, we no longer believe that one should be constrained by outside forces — whether of teleological originations or based upon genetic dispositions.  The “charted” life — where an omnipotent external derivation or an internal, evolutionary mandate, matters not; it is, instead, the belief that the stars guide our destiny, and the hubris of Shakespeare’s characters cannot be altered by the sheer willpower of an internal desire.

Then, of the triumvirate, we are left with the third and last — of the “chartered” life, where we recognize the finite character of our existence, borrowed from a slice of timeless history, having to live the consequences of actions preceding our use of the vehicle, and appropriately adjusting the capacity to move forward based upon the present condition of our circumstances.

Do we drive the conveyor ourself, or allow for the owner to send a captain of a ship for which we have paid?  That often depends upon whether we can be trusted with the talents we are born with, the resources we inherit, and the burdens of responsibilities which we voluntarily embrace.

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 positional duties, the question is often likened to the options presented before the last of the triplicate:  At what point do we take charge of the chartered life, and begin to steer and maneuver beyond the pitfalls of life’s misgivings which have been presented?

Filing for Federal OPM Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is part of the responsibility of the Federal or Postal worker who can no longer perform one or more of the essential elements of one’s Federal or Postal position; and when the U.S. Office of Personnel Management denies a Federal Disability Retirement application, it is up to the chartered life to have charted the course of destiny towards a life more charmed.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Disability Retirement Help: Caught in the world in-between

It is a purgatory of sorts; of the netherworld where twilight is a constancy of confusion, and when neither dawn nor dusk, between summer and winter, or of cognitive clarity and conundrums of confusion reach the pinnacle of an infinite maze.  Do we prefer clarity to confusion, or the light of dawn to a period “just before”, when consciousness of thought is suppressed or prevented by a darkness befalling thoughtful perspectives impeded by streams of dancing oracles upon a seamless stupor?

It is often uncertainty which tires the soul.  For, while wealth is preferable to destitution, and employment to its opposite, it is being caught “in-between” which engenders uncertainty and angst of future plans, and that is likened to a form of hell.

When a Federal employee or a U.S. Postal worker first learns of a medical condition — whether from an accident or injury on the job, or during a foray into uncharted recreational activities, it matters not for purposes of meeting the criteria for eligibility in a Federal Disability Retirement application submitted through the U.S. Office of Personnel Management — the weariness of time and the toll of uncertainty is often worse than the failure of resolution encountered through therapy, medication regimens, surgical intervention and the long delays in recuperation and rehabilitation.

It is that “waiting” which becomes the agony of life, for the questioning and incessant pondering resulting therefrom haunts the soul:  What will the future hold?  What will my job do?  What are they planning?  The “what”, the “when” and the ultimate “why” becomes a reverberating echo of repetitive songs unwavering in their monotony of questions forever unanswered.  For, it is the unanswered question and the unstated discretion of silence which makes for waiting to be just another agony of life’s challenges.

To be caught in the world “in-between”, where future plans are delayed because the present remains in a muddle of soft mush, and when past actions fail to concretize a pathway for mapping current stability, is a state of existence which is tantamount to a purgatory of eternal uncertainty.

For Federal employees and U.S. Postal workers, it is thus important to take some action and begin the process of filing for Federal OPM Disability Retirement.  Wishful thinking will not make the medical condition go away; and while hope is always a basis for future planning, one often knows early on, within the core of one’s soul, whether the injury or medical condition which prevents the Federal or Postal worker from performing the essential elements of one’s positional duties will resolve to an extent possible in order to return to full duty.

It is not knowing which is the true hell of existence; and to remain caught in the world in-between is often a choice — albeit a bad one — which is based not upon want of certainty, but enmeshed in the essence of human tragedy, when delay prevented that split-second decision that could have avoided the disaster.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Life Choices

We all have to make them; and though we may alternatively want to curl up into a fetal position and wish the blunt world to stop bothering us, the decisions we make, and take responsibility for, reflect the state of maturity which binds us to age, experience and level of moral maturity.  It is, to a great extent, a superficial and shallow connotation and reference point; for, as the inevitability of choices to be made result from living in circumstances of our own making, so to imply that there is anything “substantive” in speaking about them undermines the very relevance of implication itself.

To live is to be confronted with daily choices; only the dead remain silent and require not the paths to pick.  Thus do mundane and pithy sayings originate.  Life is full of choices; the choices we make in life determine the future course of events yet indeterminate, but somewhat foreseen and predictable. Often, we avoid them not because of consequences untold, but for knowing the folly of our decisions.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition foretells of impending signs which the Federal agency and the U.S. Postal Service have, or will, impose and initiate, the time to begin preparing one’s Federal Disability Retirement application is “now”.  Yes, the Federal and Postal employee has up to one (1) year to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, in order to meet the Statute of Limitations for filing an OPM Disability Retirement; but as it often takes many, many months to prepare, submit and get an approval from OPM, so the decisions we make today will have future consequences untold but foreseen if choices are not embraced in a timely manner.

Life presents many choices, alternatives, and lists of items like entrees on a menu; but in the end, the choice made means that when the plate of food arrives, a check for payment will follow soon afterwards, and it is the expectation of the price to be satisfied which should prompt and motivate any decisions of delay for the Federal or Postal Worker who intends on procrastinating in the preparation, formulation and filing of a Federal Disability Retirement application through OPM, whether the Federal or Postal employee is under FERS, CSRS, or CSRS Offset.

Sincerely,

Robert R. McGill, Esquire