Federal Employee Disability Retirement: Life Choices

We all have to make them; and though we may alternatively want to curl up into a fetal position and wish the blunt world to stop bothering us, the decisions we make, and take responsibility for, reflect the state of maturity which binds us to age, experience and level of moral maturity.  It is, to a great extent, a superficial and shallow connotation and reference point; for, as the inevitability of choices to be made result from living in circumstances of our own making, so to imply that there is anything “substantive” in speaking about them undermines the very relevance of implication itself.

To live is to be confronted with daily choices; only the dead remain silent and require not the paths to pick.  Thus do mundane and pithy sayings originate.  Life is full of choices; the choices we make in life determine the future course of events yet indeterminate, but somewhat foreseen and predictable. Often, we avoid them not because of consequences untold, but for knowing the folly of our decisions.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition foretells of impending signs which the Federal agency and the U.S. Postal Service have, or will, impose and initiate, the time to begin preparing one’s Federal Disability Retirement application is “now”.  Yes, the Federal and Postal employee has up to one (1) year to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, in order to meet the Statute of Limitations for filing an OPM Disability Retirement; but as it often takes many, many months to prepare, submit and get an approval from OPM, so the decisions we make today will have future consequences untold but foreseen if choices are not embraced in a timely manner.

Life presents many choices, alternatives, and lists of items like entrees on a menu; but in the end, the choice made means that when the plate of food arrives, a check for payment will follow soon afterwards, and it is the expectation of the price to be satisfied which should prompt and motivate any decisions of delay for the Federal or Postal Worker who intends on procrastinating in the preparation, formulation and filing of a Federal Disability Retirement application through OPM, whether the Federal or Postal employee is under FERS, CSRS, or CSRS Offset.

Sincerely,

Robert R. McGill, Esquire

 

The “Nuclear Option” after an Illness or Injury in the Federal or Postal Workplace

It is a parliamentary procedure justified by those who invoke it because the circumstances are of such dire contextual urgencies as to necessitate extreme measures.  Such urgency of action is often characterized in a vacuum — a declarative shrill of voices that such an option could not be helped because of the counteraction (or non-action) of the opponent.

Medical conditions have a true tendency to do just that.  Insidious in their inherent nature, they persistent despite every application of treatment modalities, leaving behind confounded minds who spent years and unaccounted energies and accumulated student debt in order to attain the medical knowledge to combat such conundrums of configured confusions.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s Federal or Postal job, the invocation of the nuclear option is often seen as filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS or CSRS.

Such a characterization is an acknowledgment that the option chosen is one of “extreme” measures, forced because of a lack of choice.  But that would be a misnomer.  For, the “extreme” measure taken would actually be the other options remaining: Stay with an agency and struggle each day while attempting to ignore the pain of progressive physical deterioration or the despondency of psychiatric turmoil, and continue to be subjected to the constant and persistent harassment by supervisors and coworkers; or resign, walk away, and have nothing to show for the years of invested sacrifices given to one’s Federal agency or Postal Service.

No — the “nuclear option” for a Federal or Postal employee who is considering filing for Federal Disability Retirement benefits through OPM is not the preparation and submission of a CSRS or FERS Disability Retirement application; rather, such an option is best characterized by the other options remaining.  In the end, it is how one characterizes one life, which forms the true character of the individual.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement for Federal Workers: GPS or Map Reading

Unforeseen consequences have become the expected norm; for, as technology progressively innovates, the quickened pace of advancement defies any allowance for thoughtful retrospection, leaving aside the need for anticipatory planning, as to the future impact of present actions.  Creating an antiseptic society which declares that simplicity of thoughtless actions is the goal to achieve, should anticipate a tremendous stunting of evolutionary progress.

For, if the theory of evolution is based upon environmental stresses which force microcosmic mutations, then what would be the reverse impact — when technology unburdens such stresses?  We no longer read maps; the GPS tells us where to go, when to turn, what street we are on, and when we have arrived.  We are daily told what to do; we need not figure out anything, anymore.  When we encounter a life-situation where our involvement and active participation is crucial to the success of an endeavor or process, the training which we have previously been given will reveal itself.

For the Federal or Postal employee who suffers from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s job, the process of preparing, formulating and filing for Federal Disability Retirement benefits, whether one is under FERS or CSRS, must by necessity be an active one, and not passive.  Decisions must be made; steps must be initiated; statutory and regulatory processes must be followed.

Life does not run the course of an electronic voice emitted by one’s Smart phone; some functions must engage the mind of the participant; map reading is still a skill which may be required, when the technology we relied upon fails to deliver.  Medical conditions have a tendency to stifle, and that is entirely understandable.  But the rest of the world continues to forge forward, and so do administrative processes, whether we like them or not.

In the end, the minor evolutionary mutations are never dependent upon any singular act of inaction; but the cumulative impact of a population waiting for direction can be altered by a single Federal or Postal employee who takes the affirmative step in preparing for his or her future by deciding to file for Federal Disability Retirement benefits — if not for the greater populace, then at least for his or her personal life.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement from the U.S. Office of Personnel Management: A Choice of One

A choice of one is not a choice at all, except in comparative contrast to the state of affairs one is left with. In life, however, that is often the only viable option offered: Either to remain in an unchanged state of being, or to adopt another set of circumstances which may offer only a limited attraction of availability.

But in choosing the alternative option in comparison to one’s present state of affairs, the evaluative process should not be frozen in present-time analysis; rather, if the given option allows for greater future promise and flexibility, as opposed to the current situation which may retain little to no hope for the future, then the qualitative attractiveness of the “other” may be of exponentially greater value.

One must always take care that one is comparing the valuation of items within a set of choices in terms of qualitative comparability; thus, the old adage and admonition of “comparing apples to apples, and not to oranges”, applies both in terms of substance, as well as future potentialities.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition begins to prevent one from performing one or more of the essential elements of one’s job, the “choice of one” is often what one must confront. For, not filing for Federal Disability Retirement will ultimately lead to separation and administrative termination. Or, one may simply resign from one’s Federal or Postal job, and walk away with nothing. Neither of the two previously-stated “options” are viable or rationally sound ones.

Thus, for the Federal and Postal employee who is suffering from a medical condition which impacts one’s ability/inability to perform the essential elements of one’s job, filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management becomes the “choice of one”. But it can still be considered a viable and fruitful choice, precisely because it accords a relative state of stability for one’s financial future, and further, it allows for the Federal and Postal employee to seek other employment in the private sector, and make up to 80% of what one’s former Federal or Postal position currently pays, and still retain the Federal Disability Retirement annuity.

Not all options offered are equal. An ice-cream stand which offers only one flavor makes a limited presentation of attraction; but if the inner core of the singular flavor contains a mystery of hidden bursts of multiple sensory explosions which enhance the salivary delights of the customer, then you suddenly have a greater choice than merely a choice of one.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement Benefits for US Government Employees: The Unchosen

It is a term and concept which denotes a negation of what once was; like an unfinished paragraph or a torn page in a novel, the act of undermining and incompleteness is implied; and so the reader will never know the full story or the thoughts once surfaced but buried forever in the settled dust of time.  A career cut short; quiet whispers of, “and he was such a promising young man…”

Federal and Postal Workers who file for Federal Disability Retirement benefits, whether under FERS or CSRS, through the U.S. Office of Personnel Management, fit nicely into that category of the unchosen.  Once part of the workforce, the need to detach, separate, and move on to another and different phase of life, career, vocation and stage — all are aggregately bundled into the entire process of separation from an organization which once chose, but because of circumstances beyond one’s immediate control, ascribed with the prefatory negation of that which once was.

When a medical condition impacts one’s ability to perform all of the essential elements of one’s job, the Federal employee has few choices.  Continue on as one of the chosen; walk away with nothing to show for it; allow the agency to determine the time and place of becoming one of the unchosen; or file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, and have some semblance and control of being the master of one’s destiny and future.

Becoming the unchosen may begin with a preface of negation; it is up to the Federal and Postal Worker to replace the torn page, and complete the unfinished paragraph.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Government Employees: Asymmetrical Lives

Asymmetrical systems are an important principle which dominates organisms and prevails in the world around us.  Symmetry involves balance and parallelism; a defiance through a counter-symmetrical eruption is normally an anomaly and deviation — a mutation in organic evolution which often results in extinction precisely because it is unnatural.

Humans live according to symmetrical principles.  Symmetry can involve a linear conceptual perspective; of a balance where childhood and youth is represented by X; young adulthood by Y; middle age with Z; and old age in retirement and calm.  But such a perception of linear quietude defies and ignores the realities of life’s disruptions.  Unexpected calamities, such as a car swerving into one’s path on any given day; being fired from a job because of an unforeseen reorganization at the management level; being inflicted with a medical condition such that the medical condition impact’s one’s ability to perform one’s chosen vocation; these are events which violate and infringe upon the linear symmetry we expect in our lives.

For the Federal and Postal Worker who suddenly finds that a medical condition is no longer allowing him or her to perform all of the essential elements of one’s job, the asymmetrical condition is in contrast to others who are healthy, as well as to the expected path of one’s own career.  But in the artificial civilization of man’s own environment, symmetry and its opposite are what we make of it.  Since we are the masters of our own destinies, lack of symmetry does not necessitate extinction of an element of mutation.

Thus, for the Federal and Postal employee, filing for Federal Disability Retirement through the U.S. Office of Personnel Management, whether one is under FERS or CSRS, is a viable option precisely because it is an administrative process which was created in order to allow for the potential eventuality that some workers may become disabled from being able to fully perform one’s job.

Federal Disability Retirement is a concept which works within the system of asymmetrical principles; taking full advantage of it is precisely the reason why it was formulated in the first place.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Medical Disability Retirement: The Universe of the Possible (Part II of II)

When avenues are closed off, the human psyche tends to shut down; and when grounds manifest fertile regeneration and bountiful splendor, the endless state of the possible opens like the gaping eyes of a child in excitable wonderment.  That is why internet companies attempt to artificially recreate atmospheres of creativity and prior glory days of unbounded imaginations.  But whether simulating a couch plopped in one’s basement or garage, and making it appear as if the environment is similar to those past dawns of tinkering with one’s imagination in the unheated, primitive conditions of one’s youth, is questionable.

For the Federal and Postal employee who is faced initially with a medical condition, such that the medical condition impacts one’s ability to continue in the vocation and career choice of one’s following, the limitations which the present condition places upon one’s future often seems daunting.

But there are options available.

Federal Disability Retirement allows for those options to open up; for, once the Federal or Postal employee obtains an approval for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, that (now former) Federal or Postal employee may go out into the private sector and earn up to 80% of what one’s former position currently pays, on top of the Federal Disability annuity. Many start their own businesses; others perform consultative work or work part time, thereby controlling the stresses and the extent of activity able to be tolerated within the restrictions of one’s medical conditions.

The avenue of the possible can only reopen once you recognize the reality of the probable; and in order to tap into the fertile imaginations of a brighter future, the roadblocks once observed must be moved in order to travel down the path of viable alternative routes.

Sincerely,

Robert R. McGill, Esquire