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

 

Federal & Postal Disability Retirement from OPM: Feelings

There are appropriate contexts within which to consider them, as well as places, insertions, events and conversational modalities where it is partly or entirely irrelevant; but as with most things in life, the boundaries that bifurcate are not always clear and distinct.  When one is considering purely subjective circumstances, it is clearly the “appropriate” moment — of personal relationships; of a vacation to be taken; of emotions being considered.

In a court of law, it is probably not the best approach to take with a judge; although, in the sentencing phase or the “damages” argument to be made to a jury, it may be the singular force of persuasive impact that makes not only the distinction unclear, but the decision quite the decisive edge.

“Feelings” are to be reserved for puppies, late nights in bed with a fever, and how the toes tickle when lying on a grassy knoll in the middle of summer when the lone ant walks along the pathway of your bare skin.

Do we dare admit to them?  When you are in a heated argument, is it not an oxymoron to shout, “Feelings don’t have anything to do with it!”  For, what is the criteria to be applied when making a decision based upon them?  Does the spectrum of emotions never cloud one’s judgment?  Or can we, as we often claim, set them aside so easily, like so many automatons in those doomsday movies that have become popularized, where androids and mechanized juggernauts that have taken over the earth and tried to suppress humanity are now the very beings whom we always wanted to emulate?

And what of the French Existentialists and the horror of reaction to that old favorite, “Invasion of the body snatchers” — what was it that made it so fascinating, where beings were stripped of their souls and emotions were all of a sudden undone, extinguished and no longer relevant, where bodies devoid of feelings walked about the earth like so many empty tombs?

Feelings are funny animals; they make up so much of who we are, and yet we spend a lifetime trying to avoid the very essence of that which makes up who we are.

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, the anomaly concerning “feelings” becomes quickly apparent: for, confronted with having to prepare an effective Federal Disability Retirement application before an administrative body — the U.S. Office of Personnel Management — you are asked to remain “clinical” and antiseptic in the face of “proving” the medical evidence by the cold calculus of “the law”, and yet at the same time you are trying to convey your “feelings” with respect to the impact of the pain, the anguish of anxiety or the daily levels of profound fatigue felt.

It is a tightrope, balancing act that must be done with expertise, subtle techniques and an interspersing of line-crossing deftly engaged. Completing the SF 3112A, Applicant’s Statement of Disability, is the single most important form in preparing a Federal Disability Retirement application, aside from gathering the proper medical documentation and making the persuasive legal argumentation.

For, in the end, that lifetime of trying to suppress those “feelings” must be utilized carefully, yet at the same time you have to be persuasive enough to touch upon the emotional makeup of a fellow human being who, also, likely has had to suppress those same feelings in order to apply “the law”.  Go figure.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The Hesitant Hole

The famous one, of course, and the one which draws the imagination, is depicted in Lewis Carroll’s tale of Alice and her journey down the rabbit’s abyss; another, the one which determines the relative shortcomings of weather predictability, but that one is guided more by shadows and perceptions from above, as opposed to the one dug below; or, there is the one which we dig for ourselves, and the proverbial timelessness of our foolish deeds.

Of the first, we remember the endless stretch of our imaginations which is expanded by the creativity of the author and the world of fantasy; the second, the reality of the dread we feel for the weather, the cold and the shortened days of winter when we yearn for the coming lull of summer warmth; and of the latter, it reminds us that the consequences of our own misdeeds continue to haunt us despite trepidation and timidity.

Do holes have a character?  Are some holes dug with delight?  Like deep caverns reaching beneath sandcastles on dreamy days of childhood laughter echoing against the wind and waves of salted air; or of the deep crevices and potholes in roads of concrete and steel, when the shifting tectonic forces of nature collide with man’s attempt to construct artificial barriers against timeless changes of fortitude and fear; and the one’s we claw at.

The large ones created by bulldozers and other machines, do they not unravel the once-concealed arrogance of man?  And the careful pawing of the delicate hand in the timeless sand, where castles crumble with trepidations of joy?  But it is the grownup’s attempts at escape, of creating a hiding place where adulthood no longer allows for Alice’s wanderings into a virtual world of imagination and creative loss, and the dread of reality bearing upon the fearful universe we cannot understand, fail to navigate and refuse to negotiate.

The world is indeed a fearful place, and we wish there would always be a rabbit hole to fall into, if only to escape the harshness of our own misgivings.  But beyond that hole into which we inadvertently fall, it is the one’s we dig for ourselves — hesitantly — which create the greatest of calamities.  For, when we do it with trepidation and fear, it is the slow and incremental depth and vastness of it which escapes our immediate attention.

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 elements of one’s positional duties with the Federal agency or the U.S. Postal Service, it is that hesitation which continues to create the deepened caverns of choices for future security and certainty.

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 always a difficult decision to make; indeed, filing for OPM medical retirement means that a change is forthcoming, both in career and in finances.  But because the entire administrative process of filing for Federal Disability Retirement benefits through OPM is a long and arduous road to take, it is the hesitant hole which we dig by procrastinating, delaying and obfuscating that often makes for that seemingly endless fall from grace which Alice kept wondering about; but for her, at least she knew that the hole she fell into was the creation of the rabbit she pursued, and not the hesitant hole of one’s own making into which we cannot dig ourselves out from.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: A First for Everything

We enjoy being “first” in everything.  Whether to engage in unique and bizarre attempts to gain recognition in the Guinness Book of Records, or to compete in a sports event, or perhaps to merely collect first editions of coins, books, etc., the penchant for being identified as the star in front of the line is ingrained.  Yet, when it comes to encounters of a new kind, where the stakes are no longer merely recognition or status of record holdings, the fear, angst and trembling overwhelms.  And so it should, when expertise and esoteric knowledge provides an advantage where necessity of purpose rises to the level of need.

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, preparing, formulating and filing for OPM Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is always a “first”.  For, such tenancy of priority is no longer for entertainment or stardom; rather, it is to attain a level of basic needs where peripheral concerns become a centrality of purpose.  But fear should never prevent the penchant for paving the way for priority of purposes, and angst should never replace the vibrancy of entering arenas of new knowledge and categories of unknown mysteries.

The first step is the only pathway to become first in anything, and while the Federal or Postal worker who is in need of filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management may not be the first in everything, it is enough to take that first step by contacting an attorney who specializes in such “firsts”, where each first is a laid groundwork for every first in the specialized area of Federal Disability Retirement law.

Sincerely,

Robert R. McGill, Esquire