In periods of economic stagnation, where mass hoarding by depositors results in a slow-down of commercial activity, rising unemployment and deflationary returns on value-for purchase in all sectors, the idea that depositors must not only deposit, but further, pay regularly to keep their money with the bank, would at first glimpse appear counterintuitive.
Perhaps that was initially the brain-child of some half-crazed Economist — that one with the frizzy hair appearing on Sunday Shows who had won the Nobel Prize for Economics many decades ago because no one quite understood what he was talking about, and believed that such insanity was either too brilliant to bypass or, more likely, to fail to appear as if one understood it would be to reveal one’s own ignorance and mediocrity (remember Schopenhauer’s adage: “Talent hits a target no one else can hit, while genius hits a target no one else can see”). And so it goes.
The problem with unworkable theoretical constructs, however, is that the rest of us have to live with the consequences. In reality, the concept of “negative interest rate” is one which most people have to live with, anyway. For Federal employees and U.S. Postal workers, this is a daily occurrence — especially for those who have a medical condition, such that the medical condition impacts the Federal or Postal employee’s ability and capacity to perform all of the essential elements of one’s Federal or Postal positional duties.
For, like the concept of the negative rate of return, the Federal and Postal worker must not only go to work, but continue to pay for it with their deteriorating health. Additionally, the increasing harassment, adverse actions and diminishing joy in working with hostile coworkers, managers and supervisors, must be borne with a smile and silent acquiescence, as if the feudal backdrops of self-flagellation must be enjoyed within the caverns of psychosis in suffering.
The negative interest rate for Federal and Postal employees is thus nothing new; it is a theoretical model for all Federal and Postal employees who suffer under the suffocating malaise of a deteriorating medical condition. The real question is: At what rate of negative returns does the Federal or Postal employee withdraw the deposit? For, in pursuing this analogy, it is precisely that critical point where money-kept and money-lost reach a pinnacle of insufferable choices, when the Federal or Postal employee with a medical condition must consider 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, when the interest charged begins to eat away at the very principal which is invested, and the rate of return negates the benefit of remaining, then it is indeed time to withdraw the deposit, and begin to prepare, formulate and file for Federal Disability Retirement benefits through OPM, lest the negative interest rate which once, long ago, began as a theoretical construct in the basement of a mad economist, but which now pervades the ivory towers of polite academia with echoes of reverberating laughter once resounding from the insane asylum next door, begins to infect the four corners of a civilization which has lost its way.
Sincerely,
Robert R. McGill, Esquire
Filed under: Reflections of an OPM Disability Retirement Lawyer, Uncategorized | Tagged: adhd incapacity pension plan for fers u.s. government employees, applying for opm disability retirement before federal agency blames your excess absenteeism to misconduct instead of your disabling conditions, articles on usps medical ret pension, asking for light duty usps, attorney for usps employee with chronic illness, bad fitness duty test usps, being removed from a federal job for poor health, best doctor opinion is your own family doctor with an established physician employee relationship, biographic narration opm incapacity pension annuities, blog on usps medical retirement, can a usps postal employee retire early for disabilities?, chronic back injury usps disability lawyer, chronic conditions usps employee, claim owcp usps, disability pay under fers for us government and postal usps employees, disabled federal employees and their owcp and opm options, doctor’s opinion when applying for federal disability, el paso texas fers disability retirement attorney, employee with psychiatric conditions needs pronto opm attorney, federal disability retirement approval tips by nationally recognized attorney, federal government reasonable accommodation attorney, federal workman's compensation stress claim, fers attorney for opm medical retirement, fers disability degenerative disc, fers disability lawyer in puerto rico, fers handbook guideless for incapacity pension plans, fers opm lawyer for a postal employee, fers owcp attorney, fibromyalgia federal disability retirement, fmla and leave without pay disability in federal employees, government worker with medical inability to perform, harassment of federal employees by agency management, how to complete a fers disability retirement claim, if the owcp vocational rehabilitation program does not work for the postal worker, lawyers for usps workers with med conditions, legal advice form 3112c and other related forms, legal counseling federal employee attorney, leo federal law enforcement medical retirement, letter examples or attorney support for early retirement because of disability under fers or civil service, light duty for off duty civilian army personnel, light duty postal employee attorney, light duty postal employment, limited duty postal employment, lite blue retirement health issues, long and short term disability leave usps, medical fers resignation request and free first time attorney consultation, medical retirement fers, medical retirement from post office, mental conditions attorney for postal employee, minimum federal retirement age for mental or psychiatric incapacity in government federal employment, nevada usps lawyer health related conditions, new mexico usps attorney for injured postal employee, ohio usps and federal employment lawyer, opm disability retirement board guide in forum, opm disability retirement: no such thing as accepted conditions but conditions that interfere with government jobs, oregon or state postal employment lawyer for medical issues low back pain injury usps employee, owcp and returning to work, owcp total disability lawyer, physically incapable to work for stress fers employee seeks attorney specialized in fers medical retirement, postal employee retirement for mental or physical incapacity usps application forms, postal law firm helping fers employees with medical and health conditions, postal medical retirement, postal worker retirement for medical physical incapacity application forms, suppling information for doctors about opm disability retirement, the basics of how to medically retire from civil service, usps employee with insomnia issues retirement, usps hostile work environment, usps nd lawyer, usps performance improvement plan for medically related inefficient job performance, usps ps forms to get financial assistance for mental incapacity, where do I apply for fers disability? with the opm, workman's compensation federal employee depression claim, writing personal statement for person requesting opm disability retirement, you don’t have to choose between resigning or being fired from the government due to service connected disability or any other med condition | Leave a comment »
OPM Disability Retirement Attorney: Uncharacteristic Behavior
It is the clash between an expectation and the actualization of an encounter, which determines one’s perspective of self-fulfillment of a belief, or a resulting dismay from failure of verifying the basis of a paradigm. Characteristic behavior is thus that type of human encounter which meets with, or exceeds, one’s predetermined paradigm of what one has already believed to be so; to act out of that previously considered belief system, by definition makes it fall outside of the realm of such expectation.
For the Federal employee and the U.S. Postal worker, the bureaucratic complexity of the entire administrative process of 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 normally not a surprise, and meets with or even exceeds, the expectation of an already-formed paradigm of what constitutes the “characteristic behavior” of the system as a whole.
It is the anomaly of the century when efficiency, helpfulness and pleasantries prevail throughout the process of filing for Federal Disability Retirement benefits, where one hears with surprise and shock that it was “uncharacteristic”. Sadly, that tells us something. While somewhat unfortunate, we must always remember that the road of every bureaucratic process is paved with personalities of every type. We tend to lump the entirety of an administrative process into a single cup and cauldron of judgment, but the reality is that there are multiple categories, just as there are different types of people throughout the universe, distinctly compartmentalized into: helpful; friendly; efficient; nasty; backstabber; fair; unfair; loyal; unpredictable; just to name a few.
The process of filing a Federal Disability Retirement application through OPM can be a stressful one, if only because it is based upon an obvious stressor to begin with: a medical condition which impacts one’s ability to perform one’s Federal or Postal job. But it is not the bureaucratic process itself which adds or detracts from the inherent complexities of the process, but the behavior — characteristic or not — of those who must help along the way or hinder the necessary transition of the Federal or Postal employee, from one of active Federal or Postal employee to that of disability annuitant.
Sincerely,
Robert R. McGill, Esquire
Filed under: Reflections of an OPM Disability Retirement Lawyer | Tagged: a free daily publication on opm disability retirement, a medical condition is not enough to qualify for opm disability retirement, a rational expectation about fers disability retirement, advice from top usps disability attorney in the country, air traffic control medical retirement attorney, appealing commentary on usps drac committee recommendations, approval chances opm disability retirement, arthritis fers injury attorney, atlanta usps attorney health related conditions, attorney assistance with fers doctor's statement, attorney specialized in disability retirement for air traffic controller medically disqualified, attorneys in little rock assisting with fers disability retirement paper work, awol for illness record federal employment, back injury federal employee lawyer, cervical discectomy and fusion fers employee federal lawyer, chicago postal employment attorney, cognitive disability postal service employee attorney, csrs fers attorney help with ptsd cases, depression federal disciplinary action lawyer, diabetes fers lawyer, disabled veteran employees of the postal service eligible to apply for opm medical retirement benefits, disabling conditions fers attorney, early usps out for disabled postal employees, essential functions of a usps rural carrier with disabilities, excessive sick leave penalty federal lawyer, expecting a fair and through review of your postal medical claim, failed medical test and no accommodation or light duty in the usps, feca incapacity retirement lawyer, fed mental incapacity lawyer law enforcement fers, federal attorney blog on how to claim fers disability benefits, federal aviation administration medical retirement attorney, federal employee light duty lawyer, federal employee with excessive absences due to poor health needs attorney asap, federal government employees may retire for depression or other mental conditions, federal government employees with physical or mental incapacities lawyer, federal law enforcement medical retirement attorney serving houston residents, federal law enforcement medical retirement lawyer, federal medical retirement lawyer serving missouri residents, federal workers comp awards for torn rotator cuff and simultaneous opm disability retirement claim nj, fers disability lawyer in puerto rico, fers lawyer blog and physical limitations in federal employment, fers supplemental medical retirement payments or annuities, filing disability with opm retirement with the assistance of well-known attorney, form ps light duty usps postal employment, free first time consultation usps disability retirement, government employee lawyer for disabled fed employee, hiring an opm disability attorney for usps medical retirement claim, how to retire medically with faa, hr shared services usps status of opm medical retirement application, incapacitated us government employee after off duty injury, injured flat sorter post office lawyer, injury long term rehab fers attorney, insufficient usps drac committee accommodation, law blog of attorney Robert McGill, law firm representing clients in opm disability law all across america, lawyer for disability retirement in usps, lawyers for usps workers with med conditions, leo disability lawyer, letter carriers fers and csrs medical pension representation, light duty accommodation in federal government not adequate, light duty denied usps.gov lawyer, long term federal workers compensation lawyer us postal worker looking for lawyer for workmans comp disability compensation, long term usps workers comp benefits, lwop reasonable accommodation annuity pension lawyer, mentally disabled federal employees looking forward to retire from the usps, metal opm retirement lawyer, more news on usps medical retirement under fers, nationwide postal representation disabilities attorney, nationwide representation of federal employees, neck & back pain injury in postal employee, nervous & mental issues in the usps and experienced postal attorney, nevada postal disability retirement lawyer, new jersey schedule award and fers disability retirement lawyer, no limited duty available for usps employees, opm disability retirement denial, opm duty medical restrictions, opm excess sick leave attorney, opm medical retirement attorney help with paperwork nalc, opm performance improvement plan after physical injury employee needs lawyer, opm.gov light duty employee, pain from repetitive motion usps and fers disability attorney, paranoid personality disorder fers lawyer, partial long term disabling condition opm employee attorney, post office disability retirement lawyer, postal attorney helping vulnerable usps employees because of their injuries or illnesses, postal disability lawyer, postal employment attorney, postal retirement for disabilities lawyer, postal service disability retirement, postal service hostile environment attorney, postal usps disability retirement for letter carriers, ptsd help with federal employment management, report light duty government employee lawyer, representing federal employees from any us government agency, retirement for disabling conditions postal attorney, retiring early due to sleep disorders from us government, return to work inability postal rtw attorney, rights associated with disabled federal employee notice of termination, sick leave stress fers lawyer, sleep apnea government disability, stress associated to hostile work environment usps, trusting attorney outside the miami metro area, tsa employees disability lawyer, us dept of labor owcp long term leave or disability retirement options, usps applying for disability, usps claims lack of work available to postal employees in distribution centers and post offices, usps disability retirement attorney, usps light duty and accommodation attorney, usps mental health firing is unfair consult an attorney, usps office of reasonable accommodation and contacting private attorney, usps regulations and medical disability laws for impaired worker, usps rehabilitation committee postal disabilities lawyer, va resignation due to disability needs attorney, veterans administration federal government disability retirement lawyer, voc reha or opm medical retirement benefits federal employees, waiting for limited duty job in the usps, what a federal employee can do if running out of sick and annual leave due to illness or injury, when supervisors and coworkers humiliate the disabled federal employee, workers comp usps attorney for postal worker with long term injuries | Leave a comment »