Federal Employee Medical Retirement: A Wrong Sense of Shame

Having a sense of shame can reveal a heightened level of moral superiority; but as with all things emanating from the Good, those who lack a sensitivity to propriety will take full advantage of a misguided loyalty to ethical conduct.  Work and a duty to one’s vocation is a guiding principle for most Federal and Postal employees.  That is precisely why filing for Federal Disability Retirement benefits, whether one is under FERS or CSRS, is anathema to the Federal and Postal employee.

The committed Federal and Postal employee often has a warped and misguided sense of his ethical duty to work, and will allow for a medical condition to continue to exacerbate and debilitate, at the expense of one’s deteriorating health, all for the sake of commitment, devotion, and high ethical sense of duty to one’s mission for the agency.

Supervisors and managers recognize this, and take full advantage. But the Federal and Postal employee must by necessity understand that Federal Disability Retirement is a benefit accorded to all Federal and Postal employees precisely for the underlying reasons offered: When a medical condition impacts one’s health such that one can no longer perform all of the essential elements of one’s job, the benefit of Federal Disability Retirement is meant to be accessed precisely because it has always been part of the benefits package for all Federal and Postal employees, whether under FERS or CSRS.

Commitment to a mission is indeed commendable; blind devotion at the expense of one’s own health is somewhat less so — unless one counts the sneering approval of agencies who see such sacrifices as mere paths to the slaughterhouse.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Avoiding the Streets of London Past

Filing for Federal Disability Retirement benefits is a serious matter. There are often whispering lamentations about individuals “gaming” a system, or somehow taking deliberate “advantage” of a compensatory program in place, targeted for specific needs.  Of course, there will always be those few individuals who are caught manipulating an inherent weakness in an administrative process; but the fact that there may be a minority of negatives does not betray the compendium of positives within any given system.

OPM Disability Retirement, in the end, is one of the most thoughtfully enacted systems within the greater universe of Federal programs.

First, it is narrowly targeted with great specificity — to Federal and Postal Workers who suffer from a medical condition such that the medical condition prevents them from performing one or more of the “essential” elements of their positional duties.

Second, it requires a minimum eligibility requirement, both in substantive terms as well as procedural:  the FERS Federal employee must have a minimum of 18 months of Federal Service; the CSRS Federal employee must have a minimum of 5 years of Federal Service; and the condition must last for at least 12 months (this latter requirement does not mean that the Federal or Postal employee must be unable to work at all for 12 months, but merely that the treating doctor must be able to state, within reasonable medical probability, that the medical condition will last for a minimum of 12 months).

And, third, it does not penalize the Federal or Postal Worker from remaining productive in a second, alternative vocation.  The Federal and Postal Worker who receives a Federal Disability Retirement annuity is allowed to go into the private sector and make up to 80% of what one’s former Federal or Postal position currently pays, in addition to the receipt of the annuity.  Thus, in essence, it is a “self-paying” system in that it allows for the annuitant to pay “back into” the system, thereby maintaining the viability of the entire Federal Disability Annuity program for future applicants and annuitants.

It is rare among Federal Programs because of its thoughtful approach and well-planned process, as well as being successful in its outcome and current workings.

For critics who attempt to savage all such compensatory programs in an indiscriminate manner by pointing to weaknesses in the system, the following should be noted: the American Society long ago wisely decided to avoid the London streets of Dickens’ universe, where human debris of homelessness and poverty prevailed on the streets of a city now gone, and instead attempted to create a more caring and empathetic civilization.

Until and critic suffers from the devastation of a medical condition, you never quite know what it is like to be in the shoes of that Federal or Postal employee who daily toils to try and work, but cannot because of the progressively deteriorating disability which has devastated life, hope, and dreams of a better tomorrow.

Sincerely,

Robert R. McGill, Esquire

Federal and Postal Disability Retirement: The Control Factor

Procrastination is Man’s feeble attempt to control the inevitable march of time.  In the midst of a technologically complex world, where we no longer control the advance of events or circumstances which impinge and invade upon our lives, the subjective cocoon we weave to withstand the onslaught of uncontrollable external subjugations will take many and varied forms.

Time, events and actions occurring daily around us continue in their linear course of unfolding revelations without input or necessity from the individual; technology advances without any particular reason or rationale; or so we believe.  But by delaying, we delude ourselves into thinking that we are Masters of our own destiny.

Such an attempt at controlling the inevitable onslaught of that which we have no influence over, is tantamount to an impotent protestation, nothing more than a juvenile “sit-in” like children refusing to eat their carrots or broccoli, although at least in those examples the elements resisted were purportedly healthy for us. What we often fail to understand, however, is that the very attempt to control is often that which is harmful to us.

For the Federal and 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, there is often a long and deliberate delay between the onset of a crisis resulting from a progressively deteriorating medical condition, and the preparation, formulation and filing of a Federal Disability Retirement application.

This is the natural course of things.  For, the very factors over which the Federal or Postal Worker has no control over — time, the medical condition, one’s deteriorating health — all serve to impart a sense of loss of destiny.  But to delay and procrastinate will only exacerbate the inevitable; Federal Disability Retirement through the U.S. Office of Personnel Management, whether one is under FERS or CSRS, is the best step to reach that oasis of rehabilitation and quietude.

But like the child who knows not what is good for one’s self, it is often the rebellious and feeble attempt of Man to control that which is beyond one’s control, which potentially results in the downfall and destruction of one’s future.

Sincerely,

Robert R. McGill, Esquire

Federal Worker Disability Retirement: Banners and Slogans

It is indicative of a society, its values and ethical underpinnings, reflected in accepted public slogans and banners.  Habits are formed by repetitive acts performed first with some thought, then subsequently on automatic pilot.

Each of us walks around with a complex web of intricate belief systems developed over many years; rarely can we penetrate beyond the veil of slogans and banners, for they make up the majority of our consciousness.  That is why it is rarely fruitful to engage in debate; our preset ideas are intractable and unable to be altered; we remain who we are, what we believe, and why we stand for things as they are.

When was the last time you witnessed a debate or discussion resulting in the admission of one or the other of the participants with a declaration of a changed outlook?  To hold fast to an opinion is somehow a virtue, even if one is frightfully wrong.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition may necessitate filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, the obstacle preventing one from initiating the necessary steps will often be the very psychological barrier which is deemed to be a virtue.

Hard work and sacrifice at the expense of one’s health is held up to be a virtue to applaud; but at some point, such an intractable outlook becomes merely nothing more than stubbornness, and even the grandest slogan of bureaucratic thoughtlessness would admit that stubbornness is not an attractive character trait to retain.  At some point, the world of sloganeering and banners tooted about the “mission of the agency” must be overcome with the self-understanding that one’s mental and physical health is paramount; otherwise, automatic piloting will negate the need for human control.

Filing for Federal Disability Retirement benefits, whether under FERS or CSRS, is a necessary component for self-preservation for those Federal and Postal employees who are suffering from a medical condition such that the medical condition prevents one from performing one or more of the essential elements of one’s Federal job.

Setting aside the societal banners and slogans which impede good judgment may be the first step in the process, and is often the greatest obstacle to overcome.  For, one’s education is often comprised of being soiled with the residues of social experimentation, and in that sense, we are mere guinea pigs in service to others.

Sincerely,

Robert R. McGill, Esquire

Federal and Postal Disability Retirement: The Futility of Waiting

The waiting game is perhaps the most frustrating aspect of any endeavor; for, in the end, dependence upon a third party to act, when the other person, entity or agency, may in fact never act, merely increases the sense of frustration.

In a Federal Disability Retirement application, ultimately filed with the U.S. Office of Personnel Management, whether under FERS (Federal Employees Retirement System) or CSRS (Civil Service Retirement System — that grand old system which some were fortunate enough to squeeze into before the mid-80s when abolition and transition to FERS occurred), Federal and Postal employees will often think that they must “wait” for their agency to act, to perform some duty, to respond, to do something… when in fact waiting normally results in further non-action.

Since the preponderance of the evidence in proving a Federal Disability Retirement case is solely upon the Federal or Postal worker who applies, it is rare that waiting for anything from one’s agency will bear any substantive fruit of any kind.  While medical conditions continue to progressively worsen, one is left waiting; while time continues to march on, one is left waiting; and while resources get depleted, and more and more SL & AL is used up, the Federal and Postal worker is left with the proverbial empty bag.

No, there is ultimately nothing that needs to be waited upon in preparing a Federal Disability Retirement application.  While dreams of the future are made with the stuff of patience, it rarely includes waiting upon an agency of the Federal Government to prepare one’s Federal Disability Retirement application.  Better to go chase a cloud in the sky than to expect anything helpful.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement for Federal Workers: Shrines of Our Own Making

For some inexplicable reason, we construct shrines which are deemed sacred, without ever evaluating whether or not the sanctity of the structure deserves our unwavering devotion and commitment.  Shame, embarrassment and the cognitive infrastructure of self-worth often remain the singular obstacles in preventing the Federal or Postal employee from filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS.

It is the mental constructs of our own making — the shrines of sacred sanctimony — which obstruct the linear progression from a life of constant turmoil to one of relative peace.  And so we are admonished that having a medical condition is somehow shameful; that taking off too much time from work to attend to one’s health somehow devalues the inherent worth of a person.  And we come to believe such folly despite the source of such value-driven thoughts, and make shrines and sacred temples of societal determinations despite the harm to one’s existence.

Life without health is less than a full existence; the self-harm and self-immolation one engages in by continuing on a course of destructive behavior, in ignoring the deterioration of one’s health, is in itself a form of sacrilege; the deconstruction of those very temples we find ourselves trapped within, is often the first step towards recovering one’s health.

Federal Disability Retirement is an option which all Federal and Postal employees who are suffering from a medical condition such that the medical condition prevents one from performing one or more of the essential elements of one’s job — should be looked into.  But the first step in the entire process is to revisit the shrines of our own making, and to determine which sacred cow is blocking the entranceway to a life of fulfillment, as opposed to mere existence of being.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Medical Disability Retirement: Misplaced Guilt & Apologetic Defeatism

There is, of course, such an animal as ‘misplaced guilt‘; it is in consequence of attributing to the wrong object of remorse a sense of honor or fidelity; and the resulting behavior of such inappropriate placement is often actions of an apologetic nature, self-defeating attitude, or an admixture of both.  Such a chemistry of discord can have subtle, unintended (or was it subconsciously intended?) and negative results for the Federal Employee or U.S. Postal Worker who is filing for Federal Disability Retirement with the U.S. Office of Personnel Management, whether under FERS or CSRS.

In life, it is often the simple and direct approach which prevails; those who are unaware of their surroundings and forge ahead without sensitivity to others, often accomplish much; and while unfortunate, it is those very people who act with empathetic restraint and in consideration for others, who often get left behind.  And so it is with filing a Federal Disability Retirement application with OPM —  that the person who hesitates and apologetically formulates one’s Statement of Disability (as responsive to Standard Form 3112A), will subconsciously desire a denial.

Statements of disability made with hesitancy; with a sense of apology or remorse; of guilt for even applying for the benefit; all such mind-sets manifest themselves in the narrative of one’s disability.  Yet, it is a misplaced guilt.

Federal Disability Retirement is a benefit which is part of the Federal employee’s compensation package, and it is there precisely to allow for the Federal or Postal employee to recuperate, acquire a certain standard of financial security, and perhaps provide an opportunity for a second chance at another productive vocation.  There is no room for misplaced guilt, and certainly no place for an apologetic defeatism in preparing, formulating and filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management; for, in a flash, they will jump upon such an approach and take advantage of such misplaced vulnerabilities.

Sincerely,

Robert R. McGill, Esquire

OPM Disability Retirement: Alternatives and the Sense of Guilt

In the course of speaking with thousands of Federal and Postal employees over the years, with those who are contemplating filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, both under FERS & CSRS, two prevailing themes often overshadow the discourse:  the sense that there are few alternatives left because of the impact of one’s medical condition upon one’s ability/inability to continue to pursue the intended career-course of one’s life; and secondly, a sense of guilt (or sometimes interpreted as shame) that such a course of action triggers.

The former response (that there are limited alternatives remaining) can often be resolved by a change of perspective:  To accept one’s medical condition, while difficult, is a reality which must be embraced, and in doing so, to be open to a change in vocation and previously-set view of where one wants to go in life.

The latter — of having a sense of guilt or shame for considering the course of filing for Federal Disability Retirement benefits — is often a result of misunderstanding the option of Federal Disability Retirement.  For, Federal Disability Retirement under FERS or CSRS is merely part of one’s compensation package which one signed onto when you became a Federal or Postal employee.  It is not an acceptance of defeat; it is not a resignation from one’s goals; rather, it is an avenue to embrace a course of rehabilitative stage of life in order to be able to recover sufficiently to pursue a different vocation and a different course of action in one’s life.

To remain steadfast and have a sense of fidelity is indeed an honorable thing; but to remain steadfast on a train bound for disaster, is merely a stubborn trait of foolhardiness.

Sincerely,

Robert R. McGill, Esquire

Postal and Federal Disability Retirement: The Price One Pays

One hears the familiar refrain:  trying to “game” the system; taking handouts; being on the government’s dole; and multiple similar allegations and assumptions.  Perhaps there are some who receive benefits which may be considered welfare-type compensation; and, maybe there are those who attempt to obtain something for nothing — or very little.  But one must be firm in making the conceptual distinction between those “others” and Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS.

First, the Federal and Postal employee works — and works hard and long hours.  Second, Federal Disability Retirement is a benefit which is part of the total compensation package for the Federal or Postal employee.  Third, Federal Disability Retirement pays a pittance in comparison with the compensatory standard of living which the Federal or Postal employee has been used to, and no sane person would take a voluntary reduction of one’s livelihood merely to get on the “dole”.  Fourth, many — if not most — of those who receive Federal Disability Retirement benefits pay back into the system, by getting a part-time or full-time job in another vocation, thereby paying taxes, FICA, etc.  And Fifth, it is the Federal Disability Retirement annuitant who is the one who pays the price — by having endured the repetitive work to such an extent that he or she has become debilitated; or withstood the abusive mental and physical requirements of one’s position which ultimately necessitated the drastic reduction in pay and forced to take a Federal Disability Retirement annuity.

It is the one who must pay the price — the Federal and Postal employee — who should be complaining; those who stand on the sidelines merely utter words.

Sincerely,

Robert R. McGill, Esquire