Tag Archives: long term disability insurance opm

FERS Medical Retirement: Dichotomy Between Words and Reality

Words are funny things; you can think with them without believing them; they can appear and suddenly be forgotten; and though the order and sequence of them have likely been exhausted by now, after centuries of linguistic evolution in the making, somehow, poets and novelists continue to rearrange them in ways which still tell new and interesting stories.

And, for the most part, you can believe in them across a spectrum of passionate longings — from “not really” believing in the words you think to “really believing” in those compelling systems which trigger your passions.  But so long as you don’t “act” upon the words which float in your brain, it really doesn’t matter all that much.

Do you remember the story about the California Guru who had a cult following about being able to live without eating actual food, but by just breathing in the nutrients which are prevalent in the air?  He was later caught and seen at a 7/Eleven buying one of their chili-dog specials.  When asked about it, he fled the scene, leaving a trail of delightful scents pervading the nutritional cloud of hot chili and pork.

What was the “after-story”?  No one knows; but, likely, anyone who can persuade others of such nonsense will have been able to give a convoluted explanation without losing any adherents, like: “The air particles around me did not provide enough nutrition at the time and so the power of the One prompted me to enter the human form and test the food of humans” — etc.

But how can anyone follow such a belief-system — words — when the hunger pains must by necessity reveal the falsehood of such words?  That is when the dichotomy between words and reality persuade us that the words we apply must ultimately be tested against the reality of the world.

For Federal employees and U.S. Postal workers who suffer from a medical condition which prompts the necessity for filing an effective Federal Disability Retirement application under the FERS retirement system, through the U.S. Office of Personnel Management, the dichotomy between words and reality is what must be closed in order to persuade the U.S. Office of Personnel Management of the clear and unequivocal validity of your case.

The medical condition must be proven as real; the law must be applicable; and any accommodation issues must be resolved.  In other words, the dichotomy between words and reality must be matched.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

FERS Medical Retirement from OPM: Elevating Silliness

Much of the political rancor of modernity is silliness, and the insularity of our lives — of engaging in social media discussions, thinking that serious conversations can be engaged on Smart Phones and computers, etc. — is the elevating of such silliness.

Then, when a hurricane hits an area and devastates a population, we realize that there are actually real and serious issues facing us which transcend politics and the rancor of disputatious irrelevancies.  There are, of course, many issues which continue to deride their seriousness by non-action and inaction, such as the growing national debt, the inflationary impact of unfettered spending, etc.

But then, the very fact of inaction and ignoring of such issues so that any resolution or attempted legislative corrections are merely “punted down the metaphorical and proverbial road” for future generations to deal with — well, that in and of itself, is elevating the entire process to a level of silliness unheard of.

One area of seriousness which should never be elevated as silliness but is nevertheless so often done, is the protection of employee rights.  Federal Disability Retirement Law is one such area, and everyone should consider it a sacred law to be protected and secured.

It is part of the “employment benefits” which all Federal and Postal employees enjoy; and while it is taken for granted — most Federal employees and U.S. Postal workers never even think about it because, when you are a healthy individual enjoying the fruits of your labor, you naturally do not concern yourself with “what ifs” — it is there for you to access it when and if needed.

If you are a Federal or Postal employee with a minimum of 18 months of Federal Service, and you find that you can no longer perform one or more of the essential elements of your job, contact an attorney who specializes in Federal Disability Retirement Law.

Health is one of those issues which can never be silliness to be elevated, for it is the essential fibre of one’s life.  And while we can often distance ourselves and look up the elevated silliness which pervades our society — especially in politics — we can at least all agree that health is one subject which is neither silly, nor needed to be elevated.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

Federal Disability Retirement: The “Get-Through” Day

Everyone recognizes that Mondays are such a day — of a “get-through” day: Of survival; attending to each issue or problem without freaking out completely; of knowing that the day will be relentless, but that an end will also arrive, with hopes that minimization of residuals into the next day will allow for a better tomorrow.

The world has become, in many ways, more complex, of greater difficulties, encompassing a morass of problems to be solved.  It has become more difficult for many to “make a living”.  Once, a few generations ago, a single-income household could support a fairly comfortable living.  Today, a dual-income household is a necessity, and even that is often insufficient to attain the minimal accouterments of middle-class living.

Is it because more “stuff” is required?  All of those electronic devices and mechanical necessities — are we tacking on greater expenses in an endless cycle of consumption?

And so the Monday may pass, but it is when that “get-through” day becomes an endless summation of days after days after days such that the weekend merely becomes a short respite in order to recuperate for the next round of endless “get-through” days — when that happens, it may be time to consider filing for Federal Disability Retirement benefits under FERS.

The human body — and mind — can only withstand a certain level of stress and turmoil, and when life become a mere haberdashery of endless get-through days where each get-through day cannot anymore be gotten-through, then it is time for a change.  For Federal Government employees and U.S. Postal Service workers who can no longer get through another “get-through” day, consideration should be given to Federal Disability Retirement.

Contact an OPM Disability Attorney who specializes in FERS Employee Disability Retirement Law, and consider whether or not you can continue to get through anymore “get-through” days, when each day has become an unending cycle of such days where you can no longer get through them.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

FERS Disability Retirement Applications: Life in Bites

Life in its totality is almost always overwhelming and unmanageable; it is why we compartmentalize and take things in smaller bites; it is why we manage it by taking one step at a time.  There is, of course, another way — of simply shirking responsibilities, of having a “laissez faire” attitude; of living life with abandon without a care in the world.  But most of us are not like that.

Instead, we keep taking on greater and greater responsibilities; volunteering to help in this or that cause; trying to always make a difference and leaving an imprint of our existence upon this world.  We are given a specific allotment of time — whether for 50 years or 75, or perhaps even more — in order to make a difference in the universe we have been brought into.

No one ever asked to be born, but once here, we feel a responsibility to make a living, imprint some minor contribution, and exit this world with as little pain as possible.  But life is complex and complicated, and because of its complexities, it becomes necessary to take it in bites — of sizes which we can comprehend, embrace, and ultimately resolve.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition becomes overwhelming, contact a FERS Lawyer who specializes in Federal Disability Retirement Law, and let the lawyer solve the bite-sized problems in preparing, formulating and filing an effective Federal Disability Retirement application with the U.S. Office of Personnel Management.

For, in the end, it is life in bites which results in the totality of a full meal to be enjoyed, and leaving the specialized field to an expert in Federal Disability Retirement Law is the only way to enjoy the rest of the meal — life after Federal Service.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

FERS Disability Retirement Help: The Next Move

What thoughts are connoted from such a phrase?  For most, it is perhaps the penultimate game of the Western world — Chess.  Or, if you have been exposed to Eastern or Oriental influences, the game of Go.  Perhaps neither — and the phrase, “the next move”, may evoke thoughts of a basketball player or some other sport which requires a “next move”.

Back to chess — for, as it is played by slow and deliberate increments of moving pieces on a board, there is always a “next move”, until there is not.  As well, in the game of Go, white and black pieces are set upon a board, each player attempting to make a double-“eye” in order to secure their vulnerabilities, until there is no more room to protect.  Often, our lives are reflected in the metaphor of such board games, whether of chess or of Go.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that filing for Federal Disability Retirement benefits becomes a necessary next move, you may want to contact a lawyer who specializes in Federal Disability Retirement Law.

Whether the next move is an initial application, or a response which must be filed with the U.S. Office of Personnel Management for a Denial of your Application for Federal Disability Retirement; or, from a second “Reconsideration Denial” resulting in a need to file an appeal to the U.S. Merit Systems Protection Board — contact an experienced attorney who is knowledgeable about the next move which must be taken.

For, whether in chess or a game of Go, or in filing for Federal Disability Retirement benefits, it is always important to make sure that the “next move” is the one which will advance your cause with a winning strategy.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

FERS Disability Retirement from the OPM: Perfect Sequence

But that life could mimic the perfect sequence; but rarely does it reflect perfection.  It is well that human beings have short memories; the famous adage that one needs to learn from history, lest the tragedy that will occur of repeating it — is a lesson never learned, because each generation believes itself to be superior to the previous one, more wise, more learned; arrogant to a fault.

And how would we know what the perfect sequence would be, when we know not what perfection itself is?

That is the argument, of course, for the existence of a transcendent being: That because we possess a conception of perfection, but we ourselves are imperfect beings; therefore, there must be a God in order for an imperfect being to have a conception of perfection.  But real life rarely works that way; and so we muddle along in imperfect ways, failing to achieve any level of perfection, generation after tired generations; degenerating into a muddle of imperfections.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that this condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job, preparing an effective Federal Disability Retirement application requires engaging in a sequence of formulations.  No case can encapsulate a perfection of sequences, but one can certainly come close.

Being an imperfect being, it is important to consult with a Federal Attorney who specializes in Federal Disability Retirement Law in order to reach — as closely as possible — a perfection of sequences in maneuvering the complex bureaucratic process of Federal Disability Retirement Law.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement under FERS: What Kind of World?

It is one thing when chaos is rampant within one’s life; but when the “objective” world turns into a pandemic of chaos, we feel helpless, out of control, without hope.  For, the reliance that one has upon the world “out there” is the following: Within our own lives, there is always some amount of chaos — of divorce, a medical crisis, a family tragedy, etc.  But we still believe that the greater world retains some semblance of order and continuity, and thus do we rely upon the calm that surrounds and the rationality of an objective universe.

When that crumbles, as well — when the outer, objective universe becomes a flashpoint of people dying, a pandemic infecting, of men and women in strange space-suits carrying bodies to the morgue, and where the economic deterioration becomes seemingly endless; well, then the reliance upon the outer, objective world can no longer be, and chaos reigns both within and without; we feel helpless.

Federal employees and Postal workers who suffer from a medical condition already understand that feeling.  You cannot rely upon your own health; and, as it turns out, you cannot rely upon your Federal Agency or the Postal facility to be supportive.  You ask yourself: What Kind of World?  Filing for Federal Disability Retirement is meant to allow for some semblance of stability — of a base annuity to secure your future so that you can focus upon getting your “inner” world in greater order, regardless of what kind of world is offered by the “outer world” that can no longer be relied upon.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Extending One’s Career at a Cost

Our identity is often bundled up and inextricably intertwined with the careers we have chosen.  It is therefore understandable that, even with a medical condition that begins to debilitate, we would want to extend the chosen career to the furthest extent possible.  The question then becomes one of performing a cost-benefits analysis: Does it make sense to try and make it to the proverbial “finish line” of retirement if the cost of doing so is to end up in such a debilitated state that any enjoyment derived in those “sunset years” is minimal, at best?

Federal employees and U.S. Postal workers are, as a whole, a committed workforce dedicated to accomplishing the mission of the Federal Agency or the Postal Unit — often at the cost of one’s health.  There comes a point, however, when the cost of one’s health is not worth one’s contribution to the mission identified, and when that critical juncture is reached, it is time to consider filing for Federal Disability Retirement benefits under FERS.  Extending one’s career at the cost of one’s health is one thing; to do so where the cost means accepting an actual harm to one’s well-being and a permanent loss of enjoyment in one’s retirement — well, that is often termed as a decision that only a fool would make.

Consult with an attorney who specializes in Federal Disability Retirement Law and consider retiring early so that the cost of one’s health doesn’t become the payment overdue for one’s over-zealous commitment to the mission at large.

Sincerely,

Robert R. McGill, Esquire
FERS Medical Disability Counsel

 

FERS & CSRS Disability Retirement: On a tenuous ridge

How do you know whether to proceed; whether it is safe to proceed; whether the roads or pathways are safe enough? What constitutes success? Is it known before it is anticipated, or is it just a self-delusional sense of confidence that sometimes deceives and at others, proves us wrong?

To be on a tenuous ridge combines the two negative aspects of objectivity and subjectivity: Of a physical place that is sharp and often dangerous (the “objective” world) and the mental determination that encompasses a sense of weakness and lack of confidence (the “subjective” perception of a situation); and the combination of the two provides a compounding of a conceptual negation that places one is a precarious state of being.

To be on a tenuous ridge can be a metaphor for proceeding in life, in whatever endeavor or misadventure, without the benefit of experience, hindsight, wisdom or knowledge.  That is the sense and feeling that the Federal or Postal employee possesses when a medical condition begins to impact one’s ability and capacity to continue in one’s chosen Federal or Postal career — to be walking on a tenuous ridge.

For Federal employees or U.S. Postal workers who are considering preparing, formulating and filing an effective Federal Disability Retirement application, to be filed through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the approach that must be taken should be to get off of the proverbial ridge of tenuousness, and instead to walk upon firm ground with a sense of confidence entering into a future.

Although the future may remain somewhat uncertain during the complex process of maneuvering through a Federal Disability Retirement application, nevertheless, the knowledge that one’s case is the best one that has been put together, goes a long way in avoiding the pitfalls of a tenuous ridge.  Consult with an experienced attorney who specializes in preparing, formulating and filing an effective Federal Disability Retirement application; for, there is another adage similar to “being on a tenuous ridge” that you also might want to avoid — of “jumping from the frying pan into the fire”.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Claims: Present who of past what

It is a peculiarly human endeavor: of looking at a photograph (yes, digital nowadays, no doubt), and trying to discern from a present who what the one-dimensional picture says about what we were doing some years past, or maybe a few weeks or even yesterday.  It is the present “who” of one’s identity, trying to extract meaningfulness from a singular snapshot of an emotional freeze, whether of self-conscious “cheese!” declared knowing that the picture was being taken, or of a cold stare that locks out the soul’s essence of what we actually felt, and trying to extrapolate within a 3-dimensional universe the foundation of what had occurred.

We all play that peculiar game, do we not — of standing in the present by the very being of who we identify as ourselves and looking at a photograph of someone whom we can identify as the “I” in the image before us, and then remembering, with the contextual history hidden within, of the past what that depicts the picture present who stands before staring at the past what; while others may be doing the same thing many times over, multiplied exponentially in volumes unimaginable, yet each instance being insularly singular because there may never be a discussion about the present who of past what that no one talks about?

It is akin to having a medical condition, isn’t it — and of continuing to smile, walk about, carry on “normally” and everyone else in their insular universes not knowing about the medical condition you carry about, and the suffering you must endure because of the present who of who you are but of the past what where others see you and judge you as you were, what you were, who you were, while all the while it is the present who of today that has changed and is no longer the past what of who you were?

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition is preventing the Federal or Postal worker from performing one or more of the essential elements of the Federal or Postal job and positional duties, that feeling is often familiar and well known — the present who of past what.

Others see you and expect the same; you may even appear to be unchanged, but inside, you know that the present who is no longer of the past what, and that is precisely what must be conveyed in preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether as a Federal or Postal employee you are under FERS, CSRS or CSRS Offset; for it is precisely the present who of past what that is the you of today with the historical context of the past what, but nevertheless needing the present who for a future whom no one but you can know or discern.

Sincerely,

Robert R. McGill, Esquire