FERS Disability Retirement: Knowledge & Application

It is assumed in the West that knowledge, in and of itself, is a valuable thing.  And in this country, periods of pragmatism overtake that viewpoint, but always seem to revert back — otherwise, how else would we persuade children to spend countless hours sitting in a classroom, year after year?

As “making a living” has become the primary focus of society in general, there is an ever-pervasive tension between knowledge for its own sake as opposed to knowledge that is “useful” (translation: the “know-how” to make a living).  This is a tension that every society must grapple with — of becoming educated as an end in itself or as a means to a different end.

Few believe that there is a downside to having a good education, but a well-educated populace that lives in poverty cannot for long sustain its justification for perpetuating inapplicable knowledge.  Society must always maintain a balance between theoretical knowledge and applied knowledge.

Law is a discipline which straddles the fence between the theoretical and the practical, inasmuch as it engages in conceptual/intellectual issues, but concurrently, must be able to be applied in the everyday lives of people.  For example, in domestic relations law, there are overarching conceptual principles focusing upon what constitutes “the best interests of a child” in a custody battle, but in the end, the practical application of determining a workable visitation schedule must be hammered out between the parties involved.

Similarly, in Criminal law, while a society may adopt a conceptual apparatus as to whether “reform” is the goal or “punishment” is the justifying foundation for a lengthy incarceration imposed, nevertheless, in either case, society must consider the practical issue of protecting its citizens from further harm which may predictably be committed by the party found guilty.

In a similar fashion, for Federal employees and U.S. Postal employees who file for Federal or Postal Disability Retirement benefits through the U.S. Office of Personnel Management under the FERS system, knowing the Law and cases governing Federal Disability Retirement is essential in engaging the bureaucratic process, precisely because Federal Disability Retirement benefits is not merely about the medical condition in and of itself, but involves a complex consortium of issues in relation to the job one is positioned in, whether the Agency can accommodate an individual’s medical disabilities as well as what constitutes a legally-viable accommodation, as well as a whole host of other similar issues.

Here, knowledge precedes application, and having a ‘working’ knowledge of the laws governing Federal Disability Retirement in order to apply it at each stage of the administrative process is a necessary prerequisite before considering even applying for the benefit.  Yes, there are rare cases in which the medical disability is so severe and clear-cur that the medical documentation is and should be sufficient unto itself; but that is a rare case indeed.

As such, at whatever stage of the process one finds oneself in the Federal Disability Retirement bureaucracy, you may want to consult with an OPM Disability Attorney who specializes exclusively in Federal Disability Retirement law in order to have not only the knowledge but the practical application of proceeding against the U.S. Office of Personnel Management in fighting for your FERS Disability Retirement benefits.

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.

 

OPM Disability Retirement Benefits: Breaking Points

Most of us never reach the ledge’s edge, or the midnight’s side of the precipice.  Rather, we crawl near it, but something always seems to save us — a family member; a change of perspective; perhaps needed therapeutic intervention; or just a “something” which cannot ever be adequately explained.

Breaking points are those moments which embrace a previous time’s metaphors: the straw that broke the camel’s back; the parachute which failed to open; the final straw, etc.  Life is difficult, at best.  Yes, there are those who were born with the proverbial “silver spoon in the mouth” stories; but for the rest of us, it is a daily struggle.

No matter how hard we try, there always seems to be a piston misfiring or a piece of the puzzle missing.  When the burden of life’s misgivings becomes too unbearable, we come upon those breaking points which define the character and nature of who we are, what we are to become, and where we will be going.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition by necessity alters the course of your career, it is time to consider whether or not the chronic nature of the medical condition dictates an impending breaking point.

Consider filing for Federal Disability Retirement benefits under FERS.

Contact a Federal Disability Attorney who specializes in OPM Disability Retirement, and begin the process of stepping over the breaking point and on to the other side of midnight’s ledge.

Sincerely,

Robert R. McGill, Lawyer

 

OPM Disability Retirement Claims: The Lost Wallet

It is a sinking feeling, a sense of foreboding, and a sudden realization of the empty back pocket that then leads to a feeling of panic.  Or of reaching and finding that the purse that is so carelessly hanging from one’s shoulder, or looped over a forearm — is not there.  It is the nonexistence of something that suddenly brings to existence the sensation of fear, emptiness, loathing — and resultant panic. Whether of the variety where the pit of one’s stomach becomes queasy, or of a disorientation of being, matters very little.

We can try and describe it, but we all recognize it without ascribing and identifying the precise word that depicts the reality of such extinguishment of existential reality: The lost wallet, the stolen purse, the sudden void of that which we have taken for granted each day; and the subsequent sense of the consequences that ensue.

It is not just the trouble of future replacements; the calls to credit card companies, the trip to the Motor Vehicle Administration, and the irreplaceable photograph tucked into the side pocket of the wallet (sorry for showing one’s age — of course, no one keeps such passport-sized photographs in a wallet, anymore, as the anachronism of such a deed has been replaced by the “saved” pictures in that ethereal “cloud” within each Smartphone so that, even if the phone itself is lost, it is never truly lost because it is forever kept in world of downloadable albums) — no, the loss is exponentially multiplied by a sense of having one’s identity violated, and of feeling that an event has occurred where something essential has been extracted from our very existence.

The lost wallet inevitably leads to a first impression of panic; but as panic is a natural reaction, it is what we do next that matters most.  And like the Federal employee or Postal worker who first realizes that he or she suffers from a medical condition, and over time, senses that the medical condition will not simply “go away”, it is the steps that follow upon the news first learned that will have the significant impact upon one’s future livelihood.

Preparing an effective Federal Disability Retirement application, to be ultimately submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is that “next step” after the foreboding sense of reality has first been experienced.  And like the lost wallet that will need to be replaced, a Federal Disability Retirement annuity is the needed replacement for one’s career; and while the replacing features may not be as good as the health one once enjoyed or as lucrative as the career one previously pursued, it is a new identity that will be needed until the lost wallet is recovered in some future image of a past relinquished.

Sincerely,

Robert R. McGill, Esquire

 

How much OPM Disability Retirement Pays?

“What will the benefit pay?”  That is often the primary concern of a Federal or Postal employee who must consider filing for Federal Disability Retirement benefits through the Federal Employees Retirement System (FERS), and it is certainly a valid first question.

The greater concern that cannot be overlooked, however, is the one that involves calculating the cost of NOT filing.  In the end, those Federal and Postal employees who must consider filing for Federal Disability Retirement benefits have three fundamental options: Stay put; resign and do nothing (or wait for termination/separation proceedings to occur, which amounts to the same thing); or file for Federal Disability Retirement benefits under FERS.

The benefit of a Federal Disability Retirement annuity is quite simply calculated as 60% of the average of one’s highest three consecutive years of service for the first year (offset by 100% of any Social Security Disability benefits received during the concurrent payments received) and 40% of the average every year thereafter (offset by 60% of any Social Security Disability payments received during those years), until age 62, at which point the Federal Disability annuity is recalculated as “regular retirement” based upon the total number of years of Federal Service, including the time that the disability retiree has been on Federal Disability Retirement.

Thus, the “greater” benefit in calculating the cost has to take into account the fact that one is actually “building up” one’s own retirement by the years one stays on disability retirement — for, those very years that you are receiving a disability retirement annuity count towards the total number of years of Federal Service when it is recalculated as “regular” retirement at the age of 62.

Yes, it is true that on the cost/benefit ledger that one should review before filing for Federal Disability Retirement benefits, you need to take into account the lesser income and the lengthy bureaucratic process that must be engaged, but you should also never forget what the originating basis for considering such filing compelled the consideration in the first place: Your health.

Calculating the cost of filing for Federal Disability Retirement benefits too often places the emphasis on what is lost — in terms of monetary gain and loss, etc.  But in calculating the cost of filing an effective Federal Disability Retirement application, to be submitted and considered to and by the U.S. Office of Personnel Management, the primary issue involves one’s deteriorating health and whether you can continue to remain in a job which has clearly become inconsistent with the medical conditions one is suffering from.

In the end, calculating the cost must go beyond the lessening of income; it must calculate the cost of one’s health, which is the single greatest asset one possesses.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement under FERS & CSRS: Admission

It is a noun of peculiar variability, perhaps all interconnected upon reflection.  It can refer to the permission to enter, whether by right, payment or removal of obstacles; or, denoting the price of such entrance; or even yet, a confession or acknowledgment of a point taken; and in other contexts, of being accepted into a fraternity of sorts, as in “admission to a university” or “to the legal bar” – meaning, not an actual, physical movement through gates now open, but a conceptual membership into a community of selective individuals.

Is there a linguistic relationship between that sequestered sense of the word – of an acknowledgment or confession – in contradistinction to the other forms, all of the remainder of which encompasses an entrance, movement or acceptance to a desired destination upon the removal of an obstruction, whether by a physical gate or a nod of consent?

How about this:  An admission denoting a confessional standard or conceding a point of conflict can be likened as a release, where pent-up resistance is suddenly or finally torn down, and the voluntary pouring out of one’s previously-withheld desire to “tell all” has been replaced with the emptying sensation of a satisfied conscience.  You are now allowed into the community of guiltless souls, or at least of having the feeling of being released from the cage of deception in falsehood.

Admission in this sense is a freeing of one’s inner soul, and it is normally insufficient to bring that narrative of expiation in a silent soliloquy to one’s self; thus, there are confessionals and penitent individuals, bowing with genuflective subservience and unmasking one’s soul to someone cloaked in authoritative garments, and somehow the externalization of one’s guilty conscience has an antiseptic, cleansing effect.

Admission into a fraternity of brotherhood is always a welcoming act; admission of one’s mistakes, wrongs committed and sins adorned, has never been an easy undertaking, and less so in this day and age where moral equivalency is the prevailing rule of life.

For Federal employees and U.S. Postal workers who are considering filing a Federal Disability Retirement application through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the issue of admission is always twofold:  First, the entire purpose of preparing an effective Federal Disability Retirement application is to gain admission into the class of former Federal and Postal employees who are now Federal Disability Retirement annuitants; and, secondly, it is important to allow for the difficult admission that the entire administrative and bureaucratic process is a complicated one, and therefore may require the assistance of legal counsel in order to successfully maneuver one’s way through the maze of complexities.

An admission in the first sense is thus the goal; an admission in the latter sense is merely a reflection of wisdom in progress for the Federal or Postal employee who, by necessity of a medical condition, needs to file a Federal Disability Retirement application with the U.S. Office of Personnel Management.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government Employment: The Wonder of Functioning

The complexity of the human condition makes one wonder about the capacity, endurance and ability of this animal who has created such a dysfunctional, technologically sophisticated universe.

From genetic predetermination of uncontrollable susceptibility to behavior patterns, diseases and addictive personalities, to environmental factors which condition and influence; what we eat; the wide spectrum of tolerance (or intolerance) to stress; medication regimens which would otherwise knock out an elephant, to modern prosthetic devices which makes the Six Million Dollar Man of the 70s a mere skeleton of technological innovation; and where this post-information age of constant data and stimuli bombardment is a never-ending stream of stresses; through it all, it is a wonder that Man is able to function at all.

But functionality is a paradigm which possesses subtle distinctions despite the concealment of appearances; it is always the irony of life that, after the havoc of a murderous rampage, the little old lady next door always responds to the query of the reporter and says, “And he was such a nice young man…”

The veil of appearances; the brave face we put on; like the Noh Mask which alters expression depending upon the angle, perspective, light and vantage point of the viewer, the inner reality of turmoil in every man passing on a single street, betrays the reality of cosmetic surfaces.  And, too, that is the problem for the Federal employee and the U.S. Postal worker who wants to — nay, needs to — file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether under FERS, CSRS or CSRS Offset.

Through it all, the “others” have been playing the same “game” of enduring through concealment.  Bizarre behaviors sometimes betray; or, perhaps, it is some rumors of over-drinking; or the unexplained and unexplainable cuts and the bald spot from pulling and scratching; whatever the evidence, they can all be glossed over with a smile and a furtive glance to other and parallel universes.  But for the Federal and Postal worker who truly suffers from a medical condition, such that the medical condition impacts and prevents one from performing one or more of the essential elements of one’s positional duties, the time has come when wonderment and reality clash in an intergalactic battle of proportionality and justice, where mind, body and spirit can no longer lie to the inner soul of one’s essence.  For, ultimately, it is that “soul” which hurts and suffers.

When we lie to others, it merely allows for the medical condition to fester and progressively deteriorate; when we lie to ourselves, it damages and destroys the inner character of one’s essence.  That is the epic tragedy of reality in a universe concocted with virtual devices, and therein lies the true lie of that which we desire, and it is indeed a wonder that we are able to function at all in that unending maze of cacophonous laughter we deem to be the madness of society.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: Life as a Byproduct

When it happens, or how, is of insignificant notice; the incremental arrival, where past segments of time seemed to traverse epochs where memories captured mere millennia of lifetimes; and then, one day, you wake up and yawn, and your life has taken on an incidental, tertiary level of importance.  One has been living by negation for so long, any positive or affirmative step has become a ghost of not just a Christmas past, but of decades evaporated.

Can life long be lived as a mere byproduct, where time, space and the centrality of one’s essence is shoved aside, and separateness of identity is relegated to occasional hellos and furtive glances of suspicious canopies?   Can a life of negation — of avoiding pain, trying to merely survive the day, or of constantly worrying about the next adverse action which might be initiated against you — is that “living”, or merely life as a byproduct?

For Federal employees and U.S. Postal workers who suffer from a medical condition, where the medical condition (whether physical exclusively, psychiatric, or a cross-combination of both) prevents the Federal or Postal worker from being able to perform one or more of the essential elements of one’s positional duties, the daily grind of avoidance, fearful of the next stressor of the day, and the constant battle to get some recuperative period of rest and peace away from the turmoil of work and one’s constant fight against the medical condition, leaves the human soul depleted and defeated, to the extent that life is merely a secondary and incidental experience; the true and focused task is intertwined with fear, angst and dread for each day.  Is that really a way to live?

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, may not be the answer to all of life’s problems; but for that segment of society, the Federal Sector and the U.S. Postal Service employees — it is at least a small step and a beginning.

Life’s problems did not aggregate in a single day; and just as the ancient Chinese proverb admonished that a journey of a thousand miles begins with a single step, so the life of a Federal or Postal employee can return to the essence of being, as opposed to a mere byproduct, when once we take steps to attain a level of restorative peace and begin to fulfill promises made but broken in past moments of progressive deterioration, when health was once taken for granted but now considered the gift of blessings forgotten in previous baskets of happiness and joy, lost but never forever regretted.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Pursuing the Daily Divide

The bifurcation of our lives is a habit of accepted normative behavior; for most, it is the simple divide between one’s personal life and professional endeavors; then, there are sub-categories of complicated spectrums, where criminal activity is pigeonholed from a daytime semblance of respectability, or deviant behavior is concealed from one’s reputation and facade of societal refinement.  Those separations make for ease of transition, or used to.

More and more, in modernity, the dividing lines have become obscured; work is performed from home, and personal, more private affairs are discussed and disseminated in the workplace.  The great equalizer of the daily divide is a medical condition.  For, when one leaves one’s home, you cannot leave behind the condition and pursue your professional life untouched; instead, because a medical condition is pervasive, remains with one until cured or kept in control or concealment, the stigma of the condition remains throughout.

For the Federal employee and the U.S. Postal worker who suffers 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 positional duties at the Federal agency or the U.S. Postal Service, it becomes apparent quite quickly as to whether one can maintain the daily divide, to what extent, and whether effectively or not.

Federal agencies and the U.S. Postal Service have little room for patience, and less space for empathy or an accommodating outlook (used in a general sense, as opposed to the term of art which “accommodation” implies in the legal field of OPM Disability Retirement).  It becomes apparent quite quickly that the daily divide — of separating one’s personal life from the pursuit of professional endeavors — cannot be maintained, and it is time to divide the daily divide by preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.

Life is rarely a neatly-packaged ordeal, and the many years that we were able to fool ourselves into thinking that the daily divide would allow for an undisturbed bifurcation between the two universes, reveals the fragile nature of our own creations of artifices that remain shaky in their very foundations.

Filing for Federal Disability Retirement benefits is often the approach of a pragmatist; the divide between one’s professional endeavors and one’s personal life was never anything but a cognitive dualism concocted by clever cheats; life was, and remains, the bundle of complexities entangled in the web of unpredictable mysteries, as is the human being.

Sincerely,

Robert R. McGill, Esquire