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

 

OPM Retirement for Mental or Physical Incapacity: Of mice and things

In the early morning hours or in the late twilight of night when everyone else is fast asleep, of mice and things scurrying about tells of a world beyond the days where we awaken and watch.  We all have a tendency to anthropomorphize upon a world we otherwise would fail to understand, and projecting our own characteristics upon another species has always been what we cannot resist.

Of mice — do they run about when everyone else is away because of fear, or because they, too, love the quietude of a period when all except the insomniacs and burglars tiptoe in shadows of darkness where the innocent dare not trample upon?

Sometimes, in the rush from hiding place to food source, the mouse will pause, lift up on its hind legs, look about, nibble a bit, then off again; and when they become bold enough to actually stare and look directly at the master of the house, you know that it is time to bring out the cheese and the traps, for they have exceeded their welcome and are likely becoming too comfortable in a home that they are unwelcome.

And what of the “things”?  Well, there are mice, and then of course, centipedes and spiders, and cousins of mice, and other things.  They are the ones who go “bump” in the night.  Are we like them?  If a greater master were to look upon us like we do of mice and things, would that Grand Wizard think similar thoughts?  That if we scurry about in fear and try and remain anonymous and unobtrusive, we would be left alone; but if we became bold in our unwelcomed status, a trap would be set for us and we would be cast aside into the oblivion outside of the walls of our own making?

Isn’t that how the injured Federal or Postal worker feels when a medical condition continues to prevent the Federal or Postal worker from performing all of the essential elements of the Federal or Postal worker’s position?  Such a Federal or Postal worker begins to feel like the mouse that scurries about trying to survive, but once he or she gets noticed, the Federal Agency or the Postal Service begins to set traps, to put the pressure on and proceed to ostracize and get rid of the pesky things.

Fortunately, Federal and Postal workers who suffer from a medical condition have somewhat more protections than those accorded to creatures small and large, of mice and things.

Preparing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is one such “protection” that allows the Federal or Postal employee to move beyond the workplace harassment and attempts to remove and terminate, thereby ending a career where one has invested one’s life to prolong.

What the Federal or Postal employee does not want to do, is to end up like those creatures that go bump-in-the-night — of mice and things — by failing for access all available benefits, and especially a Federal Disability Retirement annuity that can secure one’s future and allow for one to focus upon the important things in life, like one’s health.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Representation: Hope of escape

Perhaps it is a weekly lottery ticket purchases; or the novel that is periodically worked on but never gets completed; or even a notion that there is a distant relative who will one day meet mortality and leave a legacy of a magnitude beyond the capacity to exhaust; but of whatever dreams, fantasies or mathematical improbabilities, the mere hope of escape is often the fingernail that allows for sanity to remain, for motivation to continue to abide, and of a spark of incentive to spur onward and forward.

It is only when the cornered animal is left with no route of escape, or when an enemy battalion can neither hope to survive nor be allowed to surrender, that an unimaginable end may be considered.

Hope is the flame that abides for humanity’s safeguarding of happiness; of escape, it is something we all do, and often to the detriment of relationships that we have.

For Federal employees and U.S. Postal workers who suffer from various medical conditions, such that those medical conditions continue to prevent or otherwise impede the Federal or Postal employee’s ability, capacity and resolve to perform all of the essential elements of one’s Federal or Postal job, the hope is always there that the medical condition will resolve itself, or that the doctors will come up with a new cure, or perhaps even that a miracle will occur that tonight’s dream will awaken to a pain-free tomorrow.

Short of that, however, the hope of escape means that the medical condition will continue, but the inability to perform one or more of the essential elements of the Federal or Postal job must be discontinued either through (a) resolution of the medical condition (unlikely), (b) accommodation by the Federal Agency or the Postal Service of the medical condition such that the Federal or Postal employee may continue to work (again, unlikely), (c) resignation or termination because of excessive use of leave, inability to maintain a regular work schedule, deterioration of the medical condition or being placed on a PIP (likely), or (d) file for Federal Disability Retirement benefits, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset (inevitably).

The hope of escape still abides; it is up to the Federal or Postal employee to initiate the hope by consulting with an attorney who specializes in preparing, formulating and filing an effective Federal Disability Retirement application, thus empowering a potential escape from the vicious cycle of work-related harassment, deterioration of one’s health, and the constant concern for the security of one’s future.

Sincerely,

Robert R. McGill, Esquire

 

Attorney Representation OPM Disability: Analogies and life

Life is lived by analogies.  It is how we understand, comprehend and make sense of a world in turmoil.  By identifying a resemblance between two or more particulars while perhaps remaining somewhat different in other aspects, we are able to relate things, understand them, comprehend the isolation of differentiation between X and Y and yet embrace those differences despite the lack of commonality in all other respects.

Without the tool and transporting impact of an analogy, most of the objective world would remain isolated, irrelevant and separated from the subjective coherence that we bring to the world.  Explanations and argumentation would often lack any comprehensible understanding; scientists would simply speak in technical languages that non-scientists (i.e., laymen like most of us) would fail to appreciate; and life would continually remain a series of isolated islands of conceptual conundrums that would be separated from civilization as a whole.

That is essentially why the administrative laws governing Federal Disability Retirement must by necessity be spoken of in analogic terms – precisely because, in order to make sense in the greater context of life, everything in particular can only be “explained” and “made sense of” through analogies that we can relate to.  Without relational contexts and reference points, life’s various complexities would remain in isolation from one another.

Thus, analogies, life and Federal Disability Retirement benefits all share a common perspective – that of human beings who suffer from a medical condition, such that the medical condition begins to prevent the Federal or Postal employee from performing one or more of the essential elements of the Federal or Postal positional duties, and that a particular “condition” or life shares with all other conditions of life the reference points that we can all understand: Law, Complexity, Human suffering, Pain, The fear of change, The need for change; Confusion; Trauma; Medical conditions, etc.

Analogies allow for understanding; life, left in isolation, is confusing as it is, and even after a lifetime of trying to understand and simplify, still remains a mystery.

And for the Federal or Postal employee who is at a point in one’s career where a medical condition impacts the ability to continue in that career, the reference point that needs to be kept in mind is that there are lawyers who specialize in getting Federal Disability Retirement benefits through the U.S. Office of Personnel Management, and we are here to help.

Sincerely,

Robert R. McGill, Esquire

 

Lawyer for OPM Disability Claims: The interrupted signature

The signature is the great identifier of a person.  It is, in some countries and cultures more than others, and even here in the United States, a feature that distinguishes, a type of rite of passage into adulthood, and in many ways a revealing characteristic.

It allows for the voluntary identification of a feature emanating from one’s own free will; an act which seals a compact; a stamp that distinguishes the person who completes the signature, from that of another; and declares to the world that this act, the signature stamp, with all of its unique swirls, crosses, dots and turnabouts, like some spinning basketball move that tells everyone else that you have arrived, is different, distinctive and peculiar to only the very individual who has picked up the pen at that moment in time and inked the singular characteristic upon a piece of paper.

Consistency in the written signature is important in establishing the uniqueness and distinctive feature; that, in and of itself, is a kind of oxymoron, is it not, when one pauses to reflect upon it?  For, to be “unique” and “singular” is to be a “one-time” event and a distinguishing peculiarity that cannot be reenacted or copied beyond the soliloquy of the act itself; and yet, for a signature to be effective, one must be able to repeat the same curves, the mimic again and again of the lines, crosses, dots, etc. of the signature hundreds of times over and thousands over a lifetime of signing one’s signature.

And then, once one has mastered the ability to sign one’s name in a unique, singular form, and be able to repeat it over and over again – have you ever notice how difficult it is to complete the interrupted signature?  It is as if the body itself is separated from the mind, and it is the hand and fingers that hold the pen that “remembers”, and not the eyes that guide or the brain that follows.  When once the flow of the signature has been interrupted, the uniqueness remember is suddenly forgotten.

It is likened to a Federal employee or U.S. Postal worker who suffers 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 Federal or Postal job.  The medical condition intervenes and begins to interrupt, “preventing” one from performing one or more of the essential elements of the Federal or Postal position that the person has been so uniquely qualified to do for so many years.

That is the insidiousness of a medical condition.  Such an interruption, however, is much more serious – for it doesn’t merely interrupt or impede the completion of a signature, but of a career, of goals, of family financial support, and every other aspect of a person’s life.

Preparing, formulating and filing a 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, is an important next step in taking up the proverbial pen and completing one’s signature.  And like the signature itself, the Federal or Postal employee need not fret about the uniqueness lost; you are still the same person, singular in every respect, whether your health has forced you to move on in life, no less than the signature that distinguishes you from all others.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Law: The face in the mirror

Some avoid it; others run to it like an obsession that cannot be abandoned; and for most, it is merely a daily habit that must be tolerated.

The face in the mirror that we view in order to “present” ourselves to the world is the one we are born with, attempt to alter in multiple ways throughout different stages of life – perhaps by artificial means ranging in spectral thunders of surgical alterations, color-dying, parting the hair on the left side instead of the right; trying to cover that growing bald plate that shines like a heavenly orb not needing the assistance of the Hubbell Telescope from afar in galaxies far and wide; of make-up, lipstick colors and hair-style alterations; and yet, somehow, it is those eyes that stare back that seem to pierce within.

And what of that image we hold; was it the imprint from our youth that forever became frozen in the timeless synergies of our inner consciousness?  Does the reflection in the mirror last, for some, for only a second, such that we have to run back to it – whether by the closely-held compact in the purse, the reflection in the store window, or even that oblong shape of a car’s side contraptions – and reassure ourselves that it has not changed much since the last encounter?

Or is it the image we continue to hold onto as that innocent child of long ago who forever swore that neither time, old age nor ravages of bygone years would ever defeat the compliments received and which we hold so dearly?

It is, in the end, the eyes – what Plato described as the windows to one’s soul – that tell the tale of a person’s past.  Does it haunt?  Does it enliven?  Will it glitter and sparkle like the moon’s reflection upon a summer’s pond in its tranquility of calm?  Or does life bring such sorrow within the chasms in between, where the haggard look befalls and betrays the unhappiness residing within?

We need not look in the mirror to gather much that we already know, and yet we keep going back and speaking to that ghostly appearance reversed in proportionality as the negative photograph that smiles when we smile, cries when we cry, but feels not the inner pain that grows with each day.

For Federal employees and U.S. Postal workers who are at a point in their lives that filing for Federal Disability Retirement must be considered, it is a critical point to consider when you look at the face in the mirror – for, the reflection seen is often not the “real” person that stands in front of the mirror, and the “appearance” is never the essence of the inner soul concealed.  That is the sad truth when dealing with the Federal agency or the Postal facility; they all see “you” as “that person who has a medical condition and is no longer as productive as he/she used to be”.

That is why filing for Federal Disability Retirement benefits often becomes a necessity, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset – because the face in the mirror is just that – a reflection of unreality – that doesn’t ever reveal the truth of one’s potentiality in a universe that barely cares beyond the appearance of reality.

Sincerely,

Robert R. McGill, Esquire