OPM Medical Disability Pensions: The Life We Lead

The life we lead may not be the one we chose; or, more likely, the life we “now” choose to lead — if we even have a choice.  One might argue that we always have a choice; the only real question is:  Are we willing to pay the price for the choices we make?

Often, we fall into things.  Human beings are complex creatures; the person we were years ago rarely is identical to the “now” of that individual.  Perhaps that explains the divorce rate in this country; of commitments encompassing “till death do us part” are rarely embraced, anymore.

And the choices which are out there make for compounding effects when it comes to the life we lead.  Decades ago, society imposed greater structural restrictions:  School teachers who were found to possess any tinge of moral turpitude would be dismissed and disgraced; heads of companies who divorced were summarily terminated; and those thought to hold rather unconventional opinions were shunned and often isolated.  Is this a good thing?

The perfection of a median — a point “in between” the two ends of a spectrum of excesses, or often referred to as the Aristotelian view of a good life — is often the balance to be sought.  The life we lead is, too often, solidified by the youthful indiscretions of excesses embraced in youthful vigor; whereas, in later years, regret tends to soften our extravagant early years.

For Federal employees and U.S. Postal workers who have come to a point in later life, where the Civil Service job which once required extreme energy, daily commitment and a stark challenge to even the healthiest of individuals, but now, in later life, medical conditions have reached a critical juncture where they are no longer compatible with continuation in that job — it is perhaps time to consider preparing, formulating and filing an effective Federal Disability Retirement application through the U.S. Office of Personnel Management under FERS.

Contact a FERS Medical Retirement expert, that is, a U.S.-licensed attorney who specializes in the practice area of Federal Disability Retirement Law, and consider the life you lead and want to lead — now.

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.

 

FERS Disability Retirement from OPM: Factors Not Considered

They are the ones which delay and defeat; those factors not considered which, had consultation with an expert been considered beforehand, might have saved both time and money in accomplishing the very goals which one expected in the first place.

The factors not considered will ultimately rear their ugly heads at the most inopportune of times; for, they are the obstacles not contemplated, the impediments unforeseen, and the problems unsolicited.  It is precisely the factors not considered which are avoided and circumvented for which we pay the “experts” to predict, foresee and forestall; and that is where expertise is precisely the worth one pays for.

For Federal employees and U.S. Postal workers who suffer from an illness or injury such that this medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job, it is important to consult with a Federal Disability Retirement Lawyer in order to consider the factors not previously considered.  For, once OPM sees something — an issue not addressed, a statement unintended, a document unsolicited — you cannot put blinders on them.

It is precisely the factors not considered which must be considered; and by consulting with a Federal Disability Retirement Attorney, you will lessen the chances that those factors not considered will pass through the gates of opportunity, which can close with sudden rapidity.

Sincerely,

Robert R. McGill, Esquire
FERS Medical Disability Attorney

 

OPM Disability Retirement Benefits: The Inside View

There is the “outside” perspective as opposed to the “inside view”, and that is the mistake people make in various sectors of life: The “outsider” believes that, from a position and perspective of detachment and therefore objectivity, he or she is able to better assess, evaluate and analyze the event, situation or conditions experienced than by those on the “inside”.

By contrast, the “insider” views the outsider with suspicion, contending that he or she has no idea about the experiences and existential difficulties faced by the insider, and that a detached, objective viewpoint which fails to take into consideration the subjective, “personal” side of things misses the essential point of the issue.

It is the tension which exists between the townspeople and the “out-of-towner”; the one who lives in a community as opposed to the renter or investor; or of the person who drives around the neighborhood admiring the green lawns, the peaceful nature and the tranquility of a community, hoping to one day purchase a home there without knowing the problems inherent — say, that the water is contaminated or that there has been a rash of burglaries on the rise in recent years.

How does one break the invisible wall between the inside view and the outside perspective?  When does the demarcation between the two disappear?  Do numbers of years living within a community determine whether an outsider becomes an insider?

For Federal employees and U.S. Postal workers who are considering preparing, formulating and filing an effective Federal Disability Retirement application because of a medical condition which has come to a critical point where the Federal or Postal worker can no longer perform one or more of the basic elements of one’s Federal or Postal job, it often “feels” like one has all of a sudden become an “outsider” again — not only from one’s own agency or the Postal Service, but moreover, because of the complexity of the administrative procedures and bureaucratic morass of the U.S. Office of Personnel Management — of the sense that the whole process is strange and detached.

Consulting with a FERS Attorney who specializes in Federal Disability Retirement Law is a good first step in bridging the gap that widens when first encountering that feeling, in order to get an “inside view” of what it takes to prepare, formulate and file an effective Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire
OPM Disability Retirement Attorney

 

OPM Medical Retirement under FERS: Castles in the air

Is it the same idea as Cervantes’ Don Quixote who charges at the wind mills?  Or of Don McLean’s soulful lyrics when he wrote, “And if she asks you why you can tell her that I told you, That I’m tired of Castles in the Air.”?

Is there a difference between dreams and visions realized, and those that remain as castles in the air?  Are such unrealized castles merely the childish remnants that were left behind within the bundled laughter of grown-ups who saw the folly of youth, or are they they vestiges of frustrations discarded because, when we “grow up”, we realize that reality doesn’t quite share the optimism of youth’s unfettered vision?

Whatever the origin, wherever the spark, it is important to preserve a semblance of a dream, even if never realized.  The “dungeon” is its antonym, where all such dreams drain because the lowest point of any location is where the water flows and the desolation of a desert abounds.

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 Federal or Postal job, it may well be that castles no longer exist in the air or elsewhere; that the medical condition itself has become the “reality” that one must deal with, and castles — in the air, on the ground, or somewhere far away — is a luxury one cannot afford to even consider.

And filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management may be the farthest thing from childhood dreams of what you saw yourself achieving; but in the end, it is the best option available precisely because it frees you from the workplace harassment, embarrassment and resentment where work is no longer compatible with your medical conditions; and as for those castles in the air?

They may still be there once you can focus upon and regain your health; for it is the dream even unrealized that allows for human creativity to spawn and spread, but the pain of a chronic medical condition is what makes of us all the Don Quixote who charges at harmless windmills.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Federal Workers: The recipe

There is a fascination with master chefs; the process itself — from a gathering of various food items and the preparation for the grand feast; through the selection and addition of various additives and extras; to the final product that results from the “touch of the master” — which is why entire series of shows are devoted to mass audiences for viewing with a trance-like interest, whether in the monosyllabic tone of various British series that articulate with accented sophistication, to the fiery tempers of showmanship in this country; for many, it is the show of choice, and it all begins with a recipe — or not.

For most of us, there has to be a foundation to begin with — some semblance of an order of ingredients to follow, instructions to abide by and a step-by-step direction in which to proceed.  Otherwise, we are lost as to what will turn out, and whether the end product is even edible.

Cooking at any level of sophistication can be quite revealing as to the character and personality of an individual: Does one stick religiously to the letter of the recipe?  How creative is a person on the first go-around?  Is precise measurement the steps to follow, or is an “approximation” the greater methodology — a dash here, a sprinkle there, an overflowing cup or less than a tablespoon, depending upon the desire of one’s palate?  And when everything is mixed — does it have to be sequential?  Why must the onions be mixed in before the carrots?  How does the mixture itself know whether you put in the garlic before the parsley?

For Federal employees and U.S. Postal workers who are considering preparing, formulating and filing a Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, the thing to consider is not whether or not there is a “recipe book” to prepare an effective FERS Disability Retirement application, but whether there is a “master chef” out there who can pull all of the “ingredients” together to make the “best dish” possible.

To that extent, there is a similarity between cooking and filing an effective Federal Disability Retirement application: A good attorney who specializes in FERS Disability Retirement is likened to the master chef, and while good ingredients always matter, by whom it is prepared can make all the difference.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement: Beyond the weekend respite

It is always something to look forward to: Whether the regular rhythm of the 2-day, the “extra” delight of the 3-day, and the deliciously unexpected 4-day weekend when the time of rest is doubled and by the end of it, you’d almost forgotten about the frenzy of your day-to-day work schedule.

Do we “make up” for sleep?  Those so-called experts who claim that loss of sleep, once lost, can never be redeemed, clearly don’t know what they’re talking about.  A couple of naps; an extra hour of dozing; of coming to a profound realization that the sun can actually rise while a person is still asleep, and that consciousness need not precede the earthly rotation that allows for a peek of dawn — these are all revelations that can come on the weekend.  But then there is Monday; or the day after the 3-day weekend; and the day after that.

Years ago, in the idealism of one’s youth, one resolved never to live like this: As each day is a gift from God, one should not lack the relish of living during the week any more than on the weekends.  Yet, that is the cycle that most of us accept — of a bifurcation of leisure/work, enjoyment/dread.  And, in the end, there is nothing wrong with such a distinction; except when there is a despised exaggeration between the two.

The weekend is meant to be the respite away; but when the respite engenders a greater fear and dread of the following Monday, where restorative sleep cannot be attained no matter how much slumber is embraced, and when pain and recovery can never attain a level of coherent balance, then it is time to reconsider: Is this how life is meant to be lived?

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 Federal or Postal job — and, just as importantly and concurrently, where beyond the weekend respite there never seems to be an end to the race for recovery — it is time to consider filing for OPM Disability Retirement benefits under FERS.

When leisure is merely a time of suspension in the dreaded Mondays of work’s cycle; and where the treadmill of life’s spectrum between work and time-off is so out of balance that one cannot distinguish between the waking moment and sleep, or work and play because the medical condition is all-consuming; then, it is time to consult with an attorney who can guide you through the complex process of filing a Federal Disability Retirement application through the U.S. Office of Personnel Management.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: The hospital bed

It is a lonely and demoralizing state of affairs; they poke, prod and insist upon ruling out every sector of one’s body as the culprit of diagnosed maladies.  The hospital bed is a barbaric contraption next to a mediaeval torture chamber, and one can only imagine what such inventions were like in those olden days, when antiseptic means meant the possibility of washing one’s hands every now and again, and where pain and death were part of everyday living.

It reminds us, above all, of our own vulnerability and mortality; and what a blessing health and life are.

Oh, it is true – we take such issues for granted, and barely get beyond the tripe and inane statements like, “Oh, health is such a blessing,” or, “We are so thankful for our health.”  It is when one is in the hospital, alone in a bed, in the darkness of those twilight hours, that the reality of one’s own Being is revealed:  the projects we cling to; the significance we place upon the work we perform; and the extra credit we think we deserve when we work late into the wee hours.

We have heard all of those wise remarks, either in novels, essays or even movies:  On your epitaph, you do not get a special mention for ignoring your health.  Work is great, but that needs to be placed in its proper perspective.  The projects we engage and embrace – is it, as Heidegger reminds us, merely a means to avoid the inevitable outcome of our fate?  Do the gods laugh from above, pointing to our mortality and the fruitless attempts we cling to in order to avoid facing our future?

It is, in the end, the hospital bed that reminds us starkly of who we are, where we are heading, and what this all will mean.

Retirement is not meant to be a time to spend in a hospital bed; Disability Retirement is not meant to be filed at a point when a Federal or Postal employee is so debilitated that once it is approved by the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, that one merely “retires” to a hospital bed.  It is, instead, a system whereby a person is recognized to no longer be able to perform some of the essential elements of one’s job, but that there is an implicit understanding that there can be a time in the future where productivity can be applied to a different vocation or another career.

Yes, there are jokes that abound – of Federal Disability Retirement annuitants being Walmart Greeters or engaged in other similarly menial and lesser jobs, but those are not the only stories to tell.  There are many Federal annuitants who have found private sector jobs where the pay scale comes perilously close to the 80% limit – and, while that can be a problem, isn’t that a “good” problem to have?

Filing for Federal Disability Retirement benefits does not require the “higher” standard of being debilitated or “totally disabled”; rather, it is a standard which recognizes that there is an inconsistency between the position one occupies, and the medical conditions from which one suffers.  If consideration in filing is arrived at in a hospital bed, it is still not too late; but a reminder it is, and the next steps are to begin the long and complicated process of preparing, formulating and filing an effective Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Federal Employees: Day after day

Is monotony a negative trait?  How about consistency?  What is it in life that we strive for, search out and look under stones and around corners?  Is it possible that the life we already have, live by and daily “just do” is the one that is fated, meant to be, and of a satisfactory contentment such that change and disruption would be an unwelcome alteration?  Why is it that much of our time is given to complaining and picking at dissatisfaction, and it is only when unwanted intercessions suddenly turn things upside down, create a tumult and travail of circumstances, that we then suddenly “appreciate” the simple things in life?

Day after day, we enjoy the monotony of our circumstances, until one day we are hit with a medical condition.  Things change; stuff happens; unwelcomed interventions are a part of life, and make for a transcendence from the staid and stodgy; and then we wish we were back to the day after day.

Medical conditions have a way of doing that – of forcing an appreciation for things simple when we complained of boredom and the loss of excitement.  Things we once took for granted – of being able to sit for a time without the distractibility of pain; of giving and receiving a hug without wincing; of being able to focus and concentrate on a book, an article or even a few sentences without becoming overwhelmed by pure and profound exhaustion and fatigue; those simple things in life that once brought joy, now a wistful memory of remembrances past, projected exponentially into a future unknown.

Will we ever be able to recapture that which we seem to have lost?

For Federal employees and U.S. Postal workers who are suffering from a medical condition, such that the medical condition no longer allows for the day after day monotony of performing the essential elements of one’s Federal position, preparing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, may be the best option available in an effort to recapture that once-monotonous life of drudgery and dreariness that you so long for.

“Count your blessings”; “Appreciate what you already have”; “Don’t complain; enjoy”; they were all considered inane pearls of forgotten wisdom, but when a medical condition hits us, the truth underlying each tends to nudge us towards being a better person for it.  Filing for Federal Disability Retirement benefits won’t make you rich; but then, what has wealth got to do with it when you don’t even have your health?  Filing for Federal Disability Retirement is, instead, a means to another end – to attain a place where you can attend to your medical conditions and begin to travel the road back to where you can be bored day after day.

Sincerely,

Robert R. McGill, Esquire