Tag Archives: long term disability insurance for fers employee

OPM Disability Retirement under FERS: The Choice

Not all Federal Disability Retirement cases are the same.  The strength of a case is most often based upon the medical report and records compiled and submitted; the weakness of a case is often the agency’s contention that there are no service deficiencies, either in performance, conduct or attendance.

Rarely is a disability retirement application based upon a single, catastrophic event — although, that can happen, as well.

Psychiatric conditions are accepted as a viable basis for OPM Disability Retirement purposes, just as much as physical disabilities — a contention which was not the case a decade or so ago.

The choice for most Federal and Postal workers is often a stark one: Either remain at the job; resign, walk away and do nothing; or, file for Federal Disability Retirement benefits.  When a medical condition begins to impact one’s life, the first choice is often no longer a viable one; the second, a foolish one; the third, a decision to be made based upon the strength or weakness of a case.

Contact an OPM Disability Retirement Attorney who specializes in Federal Disability Retirement Law, and begin the process of making the right choice given your unique circumstances.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement under FERS: Perspective Matters

How we see things; whether with a “positive attitude” or one colored with a negative turn; if one believes in the cause, or not; whether one’s initial reaction is one of anger and disbelief, or of despair; for, in the end, tackling issues is not a matter of right or wrong, but of how we view them.

Of course, a positive attitude alone will not necessarily get you anywhere; as reality abuts against the perspective we bring, it is often the combination of a “proper assessment” combined with our attitude and approach which makes all of the difference.  Are we seeing all of the alternatives involved?  Can a better argument be made in such a case?  Have we exhausted all of the avenues of evidentiary findings?  Have we chosen the best arguments?

G.K. Chesterton once wrote that Charles Dickens and H.W. Wells looked upon their respective fictional characters in vastly differently ways: The former, with a fondness like a father upon his children; the latter, with also a fondness — but like a butcher upon the chosen pig.  Both have a perspective of “fondness”; yet, it is an approach from very different directions.

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 job, Federal Disability Retirement should be an option to be considered.

A medical condition often impacts upon one’s perspective, you should consult with an attorney who specializes in Federal Disability Retirement Law; for, perspective does indeed matter, and the best legal representation is one which objectively evaluates all perspectives that matter.  Consult with an OPM Attorney who specializes in Federal Disability Retirement Law, and see whether or not your perspective is the “right” one.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement from the OPM: Chessboard of Life

Is there a difference between an “Eastern” and “Western” perspective of life?  Does the fact that we play one kind of game (Chess) while Eastern nations play another game (“Go”) give us any metaphorical insight into such differences?

The Game of Go uses the intersecting points on a line full of square spaces; on a similar-looking board (depending upon the size of the Go Board), Chess uses the square spaces themselves.  The Game of Go is a more “fluid” one, where the black and white stone pieces will fill the board at the intersecting lines, and thus can move up or down, sideways or diagonally, depending upon the initiation and response of the players to one another.

Chess, on the other hand, can only essentially move forward.  Yes, the pieces can move sideways (the knight, queen and rook, for example) and diagonally (the bishop & queen), but the object of the game is to reach the opponent’s farthest line of square spaces, whereas the Game of Go utilizes the entire board with equal value.

Do the two “games” tell us anything about the way in which we live?  Do we “view” life as a chessboard, as opposed to a Game of Go, and is there a difference in such ways where one can make a conceptual distinction between the two?

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 Federal or Postal job, the Chessboard of Life becomes a “match” between yourself and the U.S. Office of Personnel Management.

To “capture” their queen, you must maneuver your way past all of the threatening “pieces” of a Federal Disability Retirement application, and “checkmate” OPM with legal arguments and medical evidence that is persuasive enough.  Whether a different strategy as that applied in the Game of Go should be considered, depends upon the unique nature of your individual circumstances.

In either case, it is good to consult with a “Master” of either Go or of Chess — a FERS Disability Attorney who specializes in FERS Disability Retirement Law.

Sincerely,

Robert R. McGill, Esquire

 

Attorney Representation for OPM Disability Claims: Blinders

We all have them; whether on windows, around our eyes or upon our minds, they are meant to deliberately obscure and obfuscate.  Can others put them up without our noticing them?  It is theoretically possible, one supposes; but more often, blinders are placed with the consent of the blinded, either by the person wanting them or in conspiracy and collaboration with another.

Originally, they were for horses, attached to the bridle so that the animal would be prevented from being able to see to the side or behind.  This allowed for riding a horse, say, in a congested area in order to limit the spooking of the animal, or merely to maintain a forward-directional focus and helping the animal to cope with the dizzying activities surrounding.  Once the prominence of the horse lessened and depreciated in daily use and value, the metaphors that surrounded the obsolescence of that which was once of utilitarian dominance often became transferred to other linguistic arenas; and so we refer to “blinders” on people or circumstances.

We all walk around with blinders to some extent, of course, and Federal and Postal employees 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 one’s Federal or Postal job, often by necessity must walk around with blinders securely placed.  Blinders to the future; blinders as to the growing debilitating effects of the medical condition upon one’s ability and capacity to continue in one’s career; blinders as to what the Federal agency or the Postal Service are doing and initiating — of memorandums and paper trails beginning to put the pressure upon the Federal or Postal employee; and many other blinders besides.

In the end, the inevitability of preparing an effective Federal or Postal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, may force one to take the blinders off.  Always remember, however, the importance of those blinders that cannot be put upon another — like, once OPM sees something in a Federal Disability Retirement application and denies a case because of that certain “something” that should have been caught before submitting the Federal Disability Retirement application, you cannot afterwards put blinders on OPM.

To make sure that such an unfortunate circumstance does not occur, you may want to consult with an experienced attorney who specializes in Federal Disability Retirement law, so that you are not left with the blinders that need to be placed, as opposed to those that need to be removed.

Sincerely,

Robert R.McGill, Esquire
Federal & Postal Disability Lawyer

 

OPM Medical Disability Retirement: The complexity of 2

It is the solo flight that presents the escape of simplicity; inclusion of another, and suddenly the complexity of responsibility, duty, obligation and sense of “ought” becomes a part of the entire equation.  At first, it may be love born upon an equal plane; any sense of disproportionality is easily ignored, quickly deflected and unselfconsciously dispensed with; but over time, the complexity of 2 begins to creep in.

It is neither insidious nor inherently negative by artifice; rather, it is the most natural of sensibilities, arising from a knowledge that reliance upon one another not only acknowledges and validates the vows of matrimony, but moreover, the eternal commitment each makes to the other forever forges the bonds of undiluted friendship, like kindred spirits floating in some ethereal universe unperturbed by distractions of consternation consecrated upon the altar of destruction.

Have you ever observed the interaction of singularity?  That is correct – it is simple and uncomplicated.  The asides are mere reflections of one’s own troubles; the soliloquys stated without puzzlement or obfuscation.

Then, if you add a second, the complexity of 2 comes into play – of misunderstandings, miscommunications and loss of solidarity in the oneness of judgment.  What if there are three?  Then, suddenly not only are there relationships between the first and second, but between first and third, second and third, as well as the tripartite interaction between all three simultaneously.  And of four?

The exponential complexity that arises from adding one more to each magnification of interrelationships enhances beyond the mere introduction of another, but creates a havoc beyond the singularity of such an entrance.  Why is this?

One would, on a purely conceptual level, likely argue that since the simplicity of 1 remains so, ergo the combination of each should logically retain such lack of complication.  But such an argument based upon theoretical argumentation and rationality elliptically conducted in an antiseptic environment and context fails to recognize the innate complexity of each human being.

That is why, in 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, the simple-enough questions posed and queried on Standard Form 3112A, Applicant’s Statement of Disability, can never be characterized as “easy” or “straightforward”.

Why?  Because there is the complexity of 2 – or more.  For, while the questions themselves are answered by the singular Federal or Postal employee, there are multiple facets of that same employee which requires a response – the Federal or Postal employee in the status of an employee who suffers from a medical condition; the relationship between the medical condition and the positional requirements of the Federal or Postal job; the Federal or Postal employee in the capacity of his or her personal life; the introduction of the diagnosed Federal or Postal employee with a specific medical condition.

Do you see the complexity?  It is, as always, the complexity of 2.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement from Federal Employment: Magnum Opus

It is applied as the masterpiece and pinnacle of achievement, but is more generally referred to as the identifying crown for an individual of some notable accomplishment in the various fields and disciplines.  There are looser forms of using the term, of course, in common parlance, in a half-joking, half-serious manner; as in referring to one’s spouse with greater humility, or events that occurred with greater consequences than expected or foreseen.  Like Mozart’s Requiem Mass in D Minor or Van Gogh’s “Starry Night”, the Magnum Opus represents the pinnacle of one’s achievement in the career of a chosen field, or within a discipline one was merely destined for.

Most of us, of course, never reach that height of human achievement recognized and lauded by a standard of excellence the world around; mediocrity is the lot of most, and that is okay, so long as the achievements made within the confines of private lives are accorded a similar standard striving to reflect the apex of human worth.  For, the Magnum Opus can be in the simple act of kindness in daily living – of bringing in the garbage can of an elderly neighbor too frail to wander out on a snow-fallen morning, or giving a shelter animal a chance at some semblance of happiness and contentment, and diminishing the violent memories of prior mistreatment and maltreatment.

In the end, it is not the marking of graves with epitaphs of grandeur that matter – though we may fantasize of jealousy and envy overwhelming relatives we disliked, visiting the tombstone of our own creation and smirking at the largesse accorded by a public never quite knowing but the public figure of accomplishments we deign to applaud – but of unmarked ones that are visited by a family left behind, empty with an aching heart for the laughter that we brought, the joy we helped enliven, and the fleeting moment of happiness that encompassed the otherwise dreary lot of a population confused between sex and love.

For the Federal employee and U.S. Postal worker who has believed that the Magnum Opus of one’s fortunes were somehow tied up inextricably in the career path of a Federal agency or Postal facility, rethinking the paradigm is tantamount to a heretical utterance of unfathomable delay.  There is life beyond a Federal agency’s mission (though you may not discern it well from the attitudes of coworkers and Supervisors), and there is importance and relevance beyond the Postal facility one has worked for.

When a medical condition comes to a point where one cannot meet the expectations of that grand “mission” that has been a constant drone of contention, it might be time to consider preparing, formulating and filing for OPM Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.  Don’t let the Magnum Opus of one’s career be on the downturn of one’s accomplishments because blind fealty to an agency or the U.S. Postal Service has stopped any forward progress; instead, it may be for the next phase of one’s life that the unmarked grave is visited upon with an epitaph still to be written.

Sincerely,

Robert R. McGill, Esquire

 

Medical Separation from Federal or Postal Employment: Passion

No, this is not April, and Easter has long passed.  Have we done a disservice by admonishing our youth to pursue it?  That the worth of a thing is inherently determined by our response to it, and not in the thing itself?  If passion is defined by an emotional fervor, barely controllable and unable to be contained, have we set up the wrong criteria by which to live life?  Work, vocation, career — are they as fungible as life’s castaways, rejected based upon a momentary or fleeting sense of acceptance or denial?

In Western Classical tradition, the “ordering” of the soul in Plato’s Republic, or the search for balance in Aristotle’s Nicomachean Ethics, was always the standard to pursue, and was essentially commensurate with the Eastern approaches of Zen’s denial of the body, the warrior’s acceptance of karma and the fate of life as determined by death; and the circle of life as represented by the Rigvedic deity of fire.

Now, how we feel, the passion one embraces, constitutes the totality of acceptance in a world denounced of living spirits and reduced to materialism and Darwinian determinism of the lowest order.  Often, what is lacking is more revealing than the manifestation of a thing; and thus do bifurcated paradigms such as being and nothingness, worth and junk, life and inertness — it is the erasure of one which magnifies the other.

For Federal employees and U.S. Postal workers who have lost the “passion” for their vocation because of the introduction of 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 as a Federal employee or U.S. Postal worker — the “loss” has a determinate criteria by which to evaluate, and is not merely based upon the lack of an emotional response.

The Federal laws governing Federal Disability Retirement benefits is an employment criteria signed on by the Federal and Postal employee when you became part of the Federal Government Sector, and it allows for the Federal or Postal employee to apply for, and become eligible to receive, a Federal Disability Retirement annuity when a medical condition arises 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.

In such circumstances, “loss of passion” may simply be a factual observation; the loss of vocation because of a medical condition is then a further consequence, and preparing, formulating and filing for OPM Disability Retirement benefits, whether under FERS or CSRS, becomes a necessary next step upon the consequential abandonment of that passion.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Employment: Epochal Dawns

There are those momentous events in life which we mark and memorialize; and, in the end, whether the cumulative bag of goodies amounts to a positive aggregate, or a negation of sorrows, we determine in the quietude of private thoughts.  Avoidance of future uncertainty is a talent wrought only by humans; for animals of other species, they cannot afford such luxuries, as survival in the here and now constitutes reality of future causality.

For us, there is today; tomorrow will take care of itself within the constructs of fear, angst and uncertainty; and as Heidegger would have it, the projects we savor are the ones which delay thoughts of tomorrow, death, and the certainty of extinction.

What are those epochal dawns?  For Federal employees and U.S. Postal Workers, whether under FERS, CSRS or CSRS Offset, it can include the advent of a medical condition.  In the beginning, in retrospect, perhaps it was of minor consequence; left as merely an afterthought, a nagging pain, or perhaps a singular moment of sudden urgency.  But the chronicity of life often parallels the longevity of a condition, and what was once a mere quibble may have turned into that momentous event.

Medical conditions belong in the bag of goodies set aside as “negatives”; and it may well lead to the necessity of considering filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.

Avoidance of the issue will not switch the bag of goodies from the negative to the positive; but once that decision is made to file an effective Federal Disability Retirement application, it is up to each Federal and Postal employee to determine whether the future course of events — that “hereafter” and “post-disability retirement life” — will mean that there is yet a future of positives, and not merely a reverberation of past negatives.

And what of that “epochal dawn”?  It remains so only if the event itself stays in a motionless rut of stagnation, like those old films of a dying carcass stuck in the mud of a scorching desert sky, where the vultures of a future abyss fly above, waiting for their pick of tenderloin.

Sincerely,

Robert R. McGill, Esquire