Disability Retirement for Federal Government Employees: The rate of return

At what point does the rate of return diminish to the extent that it is “no longer worth it.”?  And, what is the “it” referring to?  Is it the effort expended in contrast to the compensation received?  Is it the dividends paid upon an investment ignored?

Often, in all of the contexts just described, the focus is upon the wrong point; it is not the “end product” or the final sum that should determine the worthwhile aspect of the “rate of return”, but rather, the key term overlooked — not the “return”, but the “rate”.  One might argue that the two essentially are the same, inasmuch as the “return” (the sum received) is determined by the “rate” (the calculus that determines).  But are they?  Doesn’t it depend upon what context it is being applied to?

Certainly, when conceived of in a traditional investment category, the final sum received can be backtracked to the rate that has been applied; but what about other, more non-traditional contexts, such as friendships, work — even marriage?  Or does one never apply such cold-hearted calculations when discoursing upon the arena of human relationships?  Can we so easily drop friendships and end marriages based upon the same criteria applied in changing investment firms?

Come to think of it, our own lack of active interest is probably the single biggest reason that marriages and friendships last — because, like those investments that we allow to remain because we are too lazy to take an active interest in, many remain in marriages and friendships well beyond the love that has been lost long ago, or the affection that has waned all too subtly; for, in the end, it is our own laziness and lack of motivation that allows the fallowed pastures to let life slowly die in the uncaring tenements of thoughtless stupor.

For Federal employees and U.S. Postal workers that suffer from a medical condition, such that the medical condition begins to prevent the full performance of one’s positional duties and the essential elements of the job, the conceptual paradigm of the “rate of return” should be applied in contemplating whether or not to file for Federal Disability Retirement benefits.

Surely, the Federal Agency or the Postmaster is thinking along the same lines — is he/she getting the job done?  Can I get more out of someone else?

That is the Agency’s perspective; but what about yours?  Such questions as: Is my health going to improve by remaining?  What will the future options be: remain, resign or file for Federal Disability Retirement benefits?

If the first and second choices are no longer real options, then the third one is a necessity, as it becomes clear that the rate of return is no longer a worthwhile investment to remain in a job that clearly is destroying any semblance of one’s quality of life — and that, in the end, is what the purpose of the investment was all about to begin with.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The mistakes we make

There are those who make it their life’s goal not to have remorse for decisions made; but is that truly a worthwhile achievement?  At the end of it all, is there a special space on the unwritten tombstone that lists the mistakes avoided, the embarrassments averted, and the admissions of deficiencies concealed?  Is that not where much of Shakespearean web of deceits are constructed from – of attempting to cover up the insufficiencies otherwise already apparent in the foreboding appearances we attempt to portray?

Tenuously though we approach the daily chasms of darkened pitfalls menacingly threatening each day of our daily lives, we refuse to admit, fail to recognize or are too weak in the egocentric falsities of fragile souls to merely utter the simple words that allow for expiation of our weaknesses and quickly move on:  “Sorry, I made a mistake”.

No, instead, the complex rationale, the justifications of convoluted sequences of condition precedents that fall upon the next as dominoes of perfectly aligned decoys; and the blame then shifts upon an eternal direction of fingers pointing one to the next, until there is no one left except for that proverbial last figure on the totem pole, who cares not because he or she is the runt forgotten or the brunt of everyone’s joke and display of pure human meanness.

But at what cost do we avoid admitting the mistakes we make?  Of what layers of calluses formed, souls injured and responsibility averted, until the unquantifiable element becomes so saddled with a guilty conscience no longer able to feel, to be human, to rise above the bestiality of man’s base instincts?

The mistakes we make often harm another, but those we do not admit to, diminish the essence of who we are, what we are capable of, and always forestalls the capacity to grow.

As in any process that is complex, preparing 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, can have a pathway full of difficult decisions and a complicated morass of complex legal precedents, statutory obstacles and sheer obstructions of meandering deliberations.

The mistakes we make can haunt us with consequences difficult to reverse, and in preparing, formulating and filing a Federal Disability Retirement application, it is one of the rare instances in which he who makes the fewest errors, likely will win.  Mistakes in this area of law can range from the innocent and inadvertent, to the meandering blunders that lead to a denial from OPM.  It is often not enough to avoid a mistake in preparing an effective Federal Disability Retirement application; indeed, it is the blatant mistakes we make without the guidance of wisdom and experience that determines the future course of events, as in life in general.

Sincerely,

Robert R. McGill, Esquire

 

Postal & Federal Employee Disability Retirement: Of venal and venial injustice

That a single vowel can radically alter the meaning of a word is not surprising; rather, it is the simplicity of the reduction – from one constituting an onerous sense of the corrupt, to a mere insignificance of action – that demarcates the chasm of definitional differences between the two.  Both are adjectives; but of the former,  often associated with corruption involving bribery and characterized by a mercenary motive, while the latter is of a pardonable offense, minor on a scale of wrongdoings, and merely bordering on the barely noticeable spectrum of sins acknowledged – it is the difference of the singular vowel – the “i” which constitutes the reflection back upon the personal “I” who acts upon the violation that determines whether the offense is minor or major, that divides the two.

The originating context of a venal act almost always involved corruption relating to an exchange of consideration – and, for whatever reason, it was that underlying motive of engaging in an act of illegality for the sake of money, that exhibited a greater evil by the participant.  Perhaps such an origin of retreating repulsiveness is Biblical – of that treachery committed in exchange for the thirty pieces of silver.  Translated into English, the personal pronoun inserted in lower caps in the middle of the word, stuck between two consonants, evinces a guilty conscience inflamed deep within the troubled recesses of a soul’s agony.  And what of the noun which the adjective modifies – does it add, amend, enhance or otherwise alter?

Injustice is a malleable concept.  Words were once confined by strict adherence to meanings; no more, as society has allowed for the gymnasts of linguistic pole-vaulting to tinker unabatedly.  As the negation of the root term “justice”, it has become recognized as any feeling of unfairness encountered, as opposed to the more concrete embodiment of society’s clear mandate in a process of upholding a morally superior stance, confirmed by age-old rules and procedures, inviolate as reflected in the symbolism of a blindfolded lady impervious to the winds of bias, prejudice or venal means.

For the Federal employee or the U.S. Postal Service worker who is daily being bombarded with harassing conduct by the agency or the U.S. Postal Service, both forms of injustices are encountered:  Venal injustice, at the hands of an agency which may be plotting to dismiss and terminate; and venial injustice, at the daily toil of enduring slights and demeaning whispers by coworkers, supervisors and others unnamed.

Medical conditions occur through no fault of the Federal or Postal worker suffering from them; yet, Federal agencies and U.S. Postal Service employees treat such Federal and Postal workers as mere fodder for committing injustices otherwise unaccounted for.  Perhaps there is a heaven where ultimate justice prevails and where venal sins and venial acts are sifted between to determine who is issued a valid passport for migration through those pearly gates; but, until then, there is the option of filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, and where obtaining an approval from the U.S. Office of Personnel Management is neither a venal act, nor a mere venial outcome, but an injustice turned around for the Federal or Postal worker who cannot otherwise perform all of the essential elements of one’s Federal or Postal job.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The distance marker

Highways have them; sports arenas and fields are littered with their recognizable placements; and runners rely upon them.  On highways, they are often coordinated with exits upcoming, but most drivers fail to recognize their relevance, and rarely take note of them.

What most people don’t understand, comprehend, and fail to appreciate, is that their importance is not merely about the distance still left to go, but how far one has already traveled.  The former is often tied intimately to the struggles one foresees extending into the future; the latter, forgetful or forgettable, as life’s accolades are rarely declared, and seldom trumpeted.

Thus, when a career is cut short, or a change in the course of a person’s life is necessitated by unforeseen circumstances, the internal agony and angst of life is always focused upon how much further we must go, as opposed to taking a breath and appreciating what distances we have already traversed.  Perhaps that is for the best; for, if pause were to become a pattern of petulance, progress would never be permeated.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition impedes, prevents, or otherwise interferes with the performance of the essential elements of one’s Federal or Postal positional duties in the Federal agency or the U.S. Postal Service, the thoughts are always projected towards the future, and should be, as that is a “good” thing.

Too much reflection upon past accomplishments rarely does one good; and, in any event, the Federal agency certainly doesn’t care (don’t hold your breath for an anticipated office party recognizing your accomplishments and contributions), and except for some modicum of acknowledgements in performance reviews, will not give any leeway for future considerations based upon past successes achieved.

Perhaps that is why distance markers are ignored, except by those who have a purposeful drive in reaching a designated destination.

For Federal employees and U.S. Postal workers who suffer from a medical condition, where filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal employee or U.S. Postal worker is under FERS or CSRS, or even CSRS Offset, becomes a necessity and a choice for the future, the distance marker to recognize is the attaining of that Disability Retirement annuity — and beyond, where life can be lived after Federal Employment.

And of the distance already traversed?  Reflection upon past successes can be the foundation for future endeavors; mark them, and even remember their placement and location; but never pause longer than half a breath, before moving on to the coordinated exit recognized as the effective preparation, formulating and filing of a Federal Disability Retirement application, lest not only the distance marker passes you by, but you miss the coordinated exit, as well.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Extending the Vibrancy of Life

Much of life is spent in avoidance and protective retreat; it is only in the ignorance of youthful exuberance that we recklessly run into the streets without looking for oncoming traffic.  Sports reflects the truth of that human essence; it is not an accident that we witness the repetitive folly of gaining an early lead, only to act in fear of losing and thereby fulfilling the prophesies of our own making.

The question, then, 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 positional duties — is it an option to remain?

If the answer to that question is an unequivocal “no”, then the two other choices harken: File for Federal Disability Retirement benefits, or wait until the agency fires you or forces you to resign.  If the latter, then the Federal or Postal employee still has up until 1 year to file for Federal Disability Retirement benefits from the date of separation, whether through termination or separation by voluntary (or “forced”) resignation.

Avoidance of the issue will not do; at some point, either the decision to move forward in life will be made by the central actor in the cast (you), or by the supporting residue surrounding the play (the Federal agency or the U.S. Postal Service).

In the end, the vibrancy of one’s life is not determined by blindness or disregard of one’s circumstances, but by recognizing the steps necessary to enliven daily value.  One’s career and the extension of worthwhile work is always important to one’s life, but when a medical condition begins to exacerbate and devalue the substantive content of one’s life, then it is time to move beyond and search for an extension of that vibrancy of life.

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 a “first step” in achieving and resetting that youthful exuberance we once felt, but lost along the way, precisely because it allows for a base security of the foundational needs of living:  an annuity obtained, then time to recuperate from one’s medical conditions and determine a course for the future.

One need not be looking back with fear of losing the game, as the repetition of sports history will reveal; rather, the future still can hold the key to extending the vibrancy of life once grasped, but somehow lost in the morass of our busy lives.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The Little Engine that Couldn’t

It is an educational tool utilized to impart upon children the value of hard work and unfettered optimism, but one wonders, At what point should the harsh realities of the world be included?  How, sometimes there are situations where the obstacles are so great and the conspiratorial caverns so deep that the graph of upward mobility is but a mere mirage in life’s cycle of certitude. The balance between the benefit of maintaining optimism in the face of adversity, and tempering unrealistic expectations, is a scale of justice which is delicately configured throughout life.

While the tale of the Little Engine that Could represents the cultural and societal impetus for encouraging work, fair play, persistence and a positive attitude, some of life’s obstacles serve to cut short the capacity and ability to achieve stated first goals.  Medical conditions tend to do that.  Whether primarily physical or secondarily psychiatric, or inversely impacted, a progressively debilitating medical condition saps the self-confidence of the individual, and eats away at the abilities of the patient.

For Federal employees and U.S. Postal Service workers, when a medical condition begins to prevent the Federal or Postal worker from performing all of the essential elements of the positional duties of the Federal or Postal employee, consideration must be given to one’s future, and that future planning should include filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.

Eligibility for OPM Disability Retirement benefits encompasses all Federal and Postal employees, whether one is under FERS or CSRS, so long as the Federal or Postal employee has met the minimum eligibility requirements: 18 months of Federal Service for those under FERS, and 5 years for those under CSRS (which is essentially assumed that anyone under CSRS already has at least 5 years of Federal Service).

Further, if the Federal or Postal employee is still on the rolls of the agency or the U.S. Postal Service, or has not been separated for more than 31 days, then the Federal Disability Retirement application must be routed first through one’s Human Resource Office of one’s Federal agency or the U.S. Postal Service (for the latter, the central processing point for all Federal Disability Retirement applications for Postal Workers is located in Greensboro, N.C.), then to the U.S. Office of Personnel Management in Boyers, PA.

Implicit in this requirement, of course, is that there is a “Statute of Limitations” as to filing a Federal Disability Retirement application.  All Federal Disability Retirement applications must be filed within 1 year from the date of separation from Federal Service.  Thus, if a Federal or Postal employee is terminated, or has resigned, and a Federal Disability Retirement application is filed, the (now former) Federal or Postal employee must file within 1 year of the date of separation — but if separated for less than 31 days, then through one’s former agency or U.S. Postal Service, and if over 31 days, then directly to Boyers, PA, which is the “intake” processing office for OPM for all Federal Disability Retirement applications.

Whether the Federal or Postal employee ever read or heard tell of the tale of the Little Engine that Could, the time for filing for OPM Disability Retirement benefits is when that proverbial engine gives out, and when life’s harsh realities turns the story of optimism and hope into a pragmatic approach in order to secure one’s future; for, sometimes, life accords engines which need fine-tuning, and medical conditions represent just that sort of mechanical need, for the Little Engine that once Could which turned into the Little Engine that Couldn’t.

Sincerely,

Robert R. McGill, Esquire