Medical Retirement under the Federal Employees Retirement System (FERS): Money

We all groan about it (well, perhaps there does exist a 1% who never worries about it).  We complain and moan.  There is never enough.  When an unexpected amount is received, it provides a momentary thrill.

Idealists bemoan it but recognize its transactional necessity in an economy no longer viable in bartering terms; talking heads who self-proclaim to be “financial experts” (whatever species of animals they are, no one knows) talk about value, worth, “printing too much”, “pumping” too little, etc., leaving us all confused.  In the end, it is always a matter of, “How much”.

For Federal Employees and U.S. Postal workers who suffer from a medical condition such that the medical condition necessitates filing for Federal Disability Retirement benefits under FERS from OPM, the question of “how much” is a simple calculus of receiving 60% of the average of one’s highest-3 consecutive years of Federal Service for the first year, then 40% every year thereafter until age 62, at which point the annuity gets recalculated based upon the total number of years of service when you reach age 62, including the time that you are on disability retirement.

Thus, you are actually “building up” your regular retirement by being on disability retirement, as those years you are on disability retirement count towards your total number of years of service when recalculated at age 62.

Imagine that — you receive an annuity (money) while on disability retirement, and at the same time, you are building up your retirement system so that, when you turn age 62, those years you were on disability retirement are calculated and added on to the years of Federal Service you had before you went on disability retirement.  It is money well earned and deserved.

Sincerely,

Robert R. McGill, Lawyer

 

OPM Medical Disability for Federal Workers: The Patterned Life

All lives have a pattern; as a metaphor, most patterns are predictable, serene, fairly unimaginative and surely consistent with most others.  Then, there are the outliers — the patterns which zigzag and defy the conventional appearances of a life lived, whether well, badly or somewhere in between.  Are there any lives which possess no pattern at all?  Perhaps.

In the end, of course, a pattern is merely an extrapolated shadow of retrospectively predictable reflective constructs.  Events disrupt patterns — a crisis; a death; an illness; an intervening occurrence, etc.

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 continuing in his or her career, the event which disrupts of pattern of his or her life is the medical condition; the course of the pattern to be determined is the step which is next taken.  Whether your patterned life precipitously careens in extreme ways at the end of a beautifully composed symphony depends upon what is done next.

Consult with a FERS Disability Lawyer who specializes in Federal Disability Retirement Law and begin the process of preparing, formulating and filing an effective FERS Disability Retirement application — one which will end with a pattern of success.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement under FERS: Is There Enough of Me?

Whether consciously or not, that is the question we ask of ourselves.  Is there enough of me?  Meaning: Is life worthwhile such that the “me” exists substantially to reach a level of happiness, contentment and joy?

The worker, the parent, the friend, the husband or wife — they are certainly part of every person’s role within society, but there is a separate, private “me” that is defined by the uniqueness of each individual.  Perhaps the “me” part of one’s personhood is in the joy of reading; or of other hobbies and leisure activities, like hunting or fishing, or playing a game of cards, writing a short story, playing basketball, breeding dogs or just sitting in front of a fireplace with one’s dog.

These, and many other activities comprise a list of “me-things” which make for living in a society worthwhile.  Is there enough of me?  What balance within life’s daily grind and busy-ness would satisfy that question?

When the balance between work, obligations, responsibilities, mundane chores and sleep is disrupted such that there is not enough of “me” to be had, there is often the untold consequences of despair and depressive despondency.  In Japan, there is a term for this — Karoshi.  It literally means, “death by overwork”.  It is a state of being where there is clearly not enough of “me” within the daily living and routine of a person.

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 job, the overwhelming nature of trying to balance work, personal life and the medical condition itself will present the ultimate dilemma: If work cannot be accomplished, how will there be enough of me?

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is a way of attempting to restore some balance in one’s life.  Consult with an Attorney who specializes in FERS Disability Retirement Law; for, in the end, a life where one’s medical condition consumes every aspect of daily living because work itself becomes a constant struggle, is one where, clearly, there is not enough of “me”.

Sincerely,

Robert R. McGill, Esquire
FERS Disability Retirement Attorney

 

Postal & Federal Disability Retirement: Meaning & work

A book of very recent vintage, written by an anthropologist, uses an 8-letter epithet in its title.  While it is always dangerous to refer to something without having read it, the various book reviewers have provided enough insights to recognize that it involves a judgment upon employment, work and the meaninglessness of many jobs held by the population at large.

There would be, of course, some criticism as to the validity of such a judgment, given the nature of being an “outsider” as opposed to an “insider” — i.e., from the “outside” (e.g., the author/anthropologist himself who makes a living by selling books criticizing certain subjects) perspective, it may seem like certain types of work retain no inherent meaning, but from the “inside” perspective (i.e., those whose jobs it is to perform such tasks, and the companies, corporations and entities that require that such tasks be maintained), elements of employment that outsiders may deem meaningless may contain elaborate foundations of meaningfulness.

That was, of course, one of the criticisms thrown by Marx — of the separation of labor from the value of existence, arising coincidentally from the industrial revolution where mass production and assembly lines in factories that exploited labor resulted in a disillusioning effect because people no longer saw the fruits of one’s own labor (an aside: Does that explain why so many people think that the original source of beef, poultry and dairy products come from the storeroom of Safeway?).

How does one work, make a living and concurrently retain “meaning” in all, if not most, of the tasks performed?  Anyone who has been employed for any significant length of time comes to recognize that the three are distinct and separable: work is different from “making a living”, in that you can work for endless and tireless hours and yet not make enough wages to pay all of the bills; and whether you work long hours or not, and whether you can pay all of the debts incurred or have extra spending money at the end of each pay period, the “meaning” one derives from the work engaged is not necessarily attached to either the hours expended or the money earned.

For some, perhaps, meaning is never derived from the work itself, but merely from a recognition that the work is merely a means to an end — of performing tasks in order to earn enough wages to own a home, start a family and provide for a retirement, etc.  Or, for others, perhaps a deep-seated recognition is acceptable, that life itself is like the task that Sisyphus engaged in, and the toil of work is as the meaninglessness of rolling the boulder up another hill, only to see it roll back down again, and thus repetition allows for the futility of all tasks great or small.

One’s resolve and the will to impose meaningfulness in the face of alienation is a testament to man’s capacity to seek greater good.

For the Federal employee and U.S. Postal worker who suffers from a medical condition such that the medical condition begins to impact one’s ability and capacity to perform all of the essential elements of one’s Federal or Postal job, the need to continue to find “meaning” in striving often is closely tied to the progressively deteriorating aspect of one’s health.  When one’s health is at issue, “meaningfulness” of one’s work may come into question, precisely because one’s capacity to view employment as a means to another end itself becomes a struggle.

Filing for Federal Disability Retirement benefits with the U.S. Office of Personnel Management, whether one is under FERS, CSRS or CSRS Offset, allows for one to reorient the priorities in life that should not be confused: Health, family, a sense of accomplishment, and somewhere in that mix, a career that may need to be changed, abandoned or otherwise modified because of one’s deteriorating health and the impact upon the meaningfulness of carrying on where to do so sacrifices one or more of the mixed priorities.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Medical Retirement: Agencies and the Opium Den of Yore

They were dark caverns of gatherings; residual consequences of colonialism; and though denied in polite society, the lure of addictive aroma wafting ever pervasively brought men and women repeatedly to the doors which opened for the pleasurable moment of escape.  It was like going back, and staying, despite knowing the harm it did, would do, and could wrought, even with the knowledge of the harm portending.  But the residue of the sweet scent would remain, like an invisible thread tugging at the weakest corners of the soul, to return, return, return.

Life tends to do that; of drawing people back, and holding on despite knowing that it is not good for one; and perhaps that explains, in part, those who remain in abusive relationships and engage in self-harm and behavior of self-immolation.

For Federal employees and U.S. Postal workers who remain with the same agency, in the Federal sector or the U.S. Postal Service, knowing that continuation in the same job inflicts harm and continuing, contributing deterioration of one’s medical condition, the agency itself and the U.S. Postal Service becomes like the opium den or yore.  One returns, knowing that the abusive behavior of the entity will only continue to pervade with a constancy of greater aggression.

For Federal and Postal workers 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 positional duties, the need to separate from the Federal Service or the U.S. Postal Service — like the addict who requires the sheer determination and willpower to stay away from the opium den — often remains the only solution.

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is a planned escape route in order to (A) rehabilitate one’s medical condition and (B) secure an annuity in order to attain a semblance of financial security, both for now and for the future.  As such, any Federal or Postal employee who finds that a medical condition is impacting one’s ability to perform the essential elements of one’s job, and who sees the sign of future adverse actions on the part of the agency or the U.S. Postal Service, needs to consider the steps necessary to prepare, formulate and file for Federal Disability Retirement benefits through OPM.

One need not be an addict of foregone years wandering through the streets searching for an opium den in order to engage in self-inflicting behavior; it may just be that one is merely a Federal or Postal employee engaging in similar behavior, and not fully realizing the options available.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Lawyer: Cartoons & Carnivals

In exclusively representing Federal employees and Postal workers to obtain Federal Disability Retirement benefits through the U.S. Office of Personnel Management, the stories that are shared, the frustrations felt, and the tales left untold, collectively boggles the fragile mind.

Yes, by now, perhaps it is a truism that nothing under the sun can further be revealed that is of a surprising nature; but it is often just the sheer cumulative absurdity which, in their aggregate compendium of events, could only have occurred in cartoons and carnivals.  By contrast, there is the seriousness of the medical condition itself.

That is always the starting point, and the essence of why Federal and Postal workers contact an attorney who handles OPM Disability Retirements, based upon whether the Federal employee or the U.S. Postal worker is under FERS, CSRS or CSRS Offset.  Eligibility rules must first be met; then, the issue of entitlement must be proven by a preponderance of the evidence.

The comical relief and the sense of a carnival atmosphere, where cartoonish characters collide with the sobering reality of one’s medical condition and the potential end to one’s career in the Federal sector, arises inevitably through the actions of the agency, and their complete lack of empathy or concern.

Yes, agencies must continue to remain efficient; and yes, they must continue in their mission and course of work; but in the end, all we have left is family, community, values and vestiges of human interaction, and the littered graveyards of silent skeletons where marked graves and unmarked cemeteries speak not of efficiency, meanness and uncaring residues, but only where fresh flowers and wreathes of caring surround the frozen ground of time; yes, only in cartoons and at carnivals do people act with the absurdity of loss of humanity.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Medical Retirement: Life’s Scarring

It builds through repetition of wounding, or because it is deep, jagged, or otherwise unable to repair through normal processes of cellular regeneration.  It remains a mark of a person; over time, fading through exposure to sunlight, disappearance of discoloration, and the slow erasure of the damage done through the healing process of the linear course of a lifetime, may allow for one to forget.

Traumas, medical conditions and chronic maladies takes time to heal, and time is the commodity which society relishes, values, and measures by the worth of productivity.  It is that segment of immeasurable continuity which determines the markings of a lifetime’s work; like prehistoric epochs which we name in order to neatly fit in the existence of dinosaurs and their disappearance through volcanic and meteoric catastrophes, we bifurcate the unconquerable continuum with significations of memorable moments in time.

Medical conditions and their disruptions to lives require time for healing; and whether it is the impact of psychiatric conditions upon one’s psyche and soul, or the physical manifestation of a chronic illness or injury, that commodity of value in the world of economics remains unsympathetically beyond the reach of most.

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 acquisition of time becomes ever more important and critical as one awaits the winding morass of a Federal Disability Retirement application through the bureaucratic maze of the U.S. Office of Personnel Management.

Bureaucracies grind forward as if time is nonexistent; but all the while, life must continue to flow, as rivers unfettered by dams and natural obstacles, the course of life cannot be interrupted by mere tragedies of fate.  The problem is, of course, that the rest of the Federal bureaucracy — agencies, coworkers, supervisors, managers, etc. — does not have the patience to wait upon Federal and Postal employees during a daunting administrative process in which it is already known that, if successful, the Federal or Postal employee will be leaving the agency or the U.S. Postal Service.

So, what is the reaction during this administrative process?  Sometimes, it results in an administrative separation; more often than not, to simply allow the Federal or Postal employee to remain on LWOP and remain forgotten, lost in the maze of time immemorial.

In the end, it is life’s scarring which remains; how one has been treated; whether the burns of fate scorched upon flesh or memory were deliberate or through an uncaring indifference. No matter; as life’s scarring is like an organic monument of one’s test of endurance, so the manner in which one approaches the wound will determine the character of an individual.

Sincerely,

Robert R. McGill, Esquire