Federal and Postal Disability Retirement: Post Disability Retirement Issues

Often, there is a collective sigh of relief once a Federal Disability Retirement application is approved, such that the newly designated and identified Federal Disability Retiree or “annuitant” forgets that, just as it was important to be scrupulously vigilant in attempting to obtain Federal Disability Retirement benefits, so it is just as essential to remain attentive in maintaining and retaining the benefit itself.

Thus, the Federal Disability Retirement annuitant should presumptively expect to be selected in the future to answer a Medical Questionnaire.  Such presumption of receipt will enable the former Federal or Postal Worker to keep the necessary focus, and thus the benefit.  It will often come every 2 years or so, if at all, and will request an update of the status of the medical condition, the prognosis, and whether the annuitant has recovered sufficiently to return to one’s former job, or any similar job that the Federal Disability Retirement annuitant worked at previously.

It is therefore important to continue to foster, maintain or establish anew the doctor-patient relationship, such that if and when a Medical Questionnaire is received, the entire process does not become an unforeseen emergency.  Preparing, formulating and filing for Federal Disability Retirement benefits required a significant investment of one’s energy, time, savings, and attention; vigilance in continuing to retain such a benefit deserves no less.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Medical Disability Retirement: Subsequent Actions

Obtaining Federal Disability Retirement benefits from the Office of Personnel Management is a “process” as opposed to an entitlement, and this distinction has been variously explained and expanded upon in previous blogs and articles.  

But the term “process” also needs to be applied in two different ways — it is a process applied as an administrative issue involving the Office of Personnel Management, but moreover, it should remain so for the individual Federal or Postal worker who has worked so hard to obtain the Federal Disability Retirement benefits under FERS or CSRS.  By this, is meant that, just because the Federal or Postal worker has secured an approval from the Office of Personnel Management, does not (and should not) mean that the “process” ends for the Federal or Postal employee.  

Obtaining the Federal Disability Retirement annuity is one part of the process; once secured, some simple steps should be set in place, such that the Federal Disability Retirement benefit is “secured” and “protected” for the future.  

Thus, the continuation of the process should minimally and necessarily include:  Keeping in contact with one’s treating doctor or doctors; making sure that any outside employment adheres to the 80% rule for earned income; maintaining an ability to justify the conceptual distinction between any job acquired after one’s Federal Service and the job previously performed; being prepared to respond to OPM’s Medical Questionnaire in the event that one is selected to do so; and other preemptive measures.  

Surprises and emergencies occur when one fails to adequately plan for the future; future planning should be a daily maintenance project, taking only 5 minutes of one’s daily process (if that); and, after all, Poor Richard’s Almanac of 1732 was right in declaring, “A stitch in time saves nine”.  

Sincerely,

Robert R. McGill, Esquire