Tag Archives: opm disability insurance questions

OPM Disability Retirement Application: Beyond Excess

This country has always espoused the virtue of excess — in terms of wealth; of debt; of individuality; of exercise; of work; of different forms of diet; of opinions; of laws.  The laws of logic and of life generally dictate that if there are no constraints to excess, then it will exponentially continue to go beyond — beyond excess.

Is there a definition for such a phenomena?  Or, as the concept of excess is precisely that which is the “extra” beyond the normative constraints, already, is there any point in being redundant by placing the pretextual addendum of “beyond”?   Of course, “excess” can only have any meaning within the context of some restrictive norm; otherwise, without a comparative contrast to X, how would we determined if Y “exceeds” X in any way?

Thus do we compare the present-day national debt against the GDP, what amount of debt the nation held previously (as in the total cost expended in the effort to defeat Nazism in WWII), the subsequent impact of the ratio, etc.  Or, in terms of wealth, what it means to amass “billions”, own 20 different properties, purchase a yacht as large as a cargo ship, have 50 luxury cars in a garage the size of a football field, etc. — and then compare it to a person who works two jobs but is unable to afford enough food to get by.

Is the amassing of such wealth “beyond excess”?  Or, does it perpetuate the myth of this country, that “anyone” can become wealthy, the President of the United States, or begin a “start up” company in one’s garage and make it into an internationally-dominating company?  And what about the price which must be paid for going beyond excess?  Does it impact the health of the individual?

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 any longer extending one’s career in the Federal Government, the concept of “beyond excess” takes on a new meaning: of the comparison between one’s health and the excess of a demanding job.  And while the concept may not have much to do with wealth or the national debt, it does share a metaphorical synchronicity with the general concept: That there now exists an incompatibility between your deteriorating health and the excessive demands of a stressful job.

Contact a FERS Disability Lawyer who specializes in Federal Disability Retirement Law, and begin the process of reigning in the demands which have taken a toll, and which have become beyond excess.

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.

 

Postal & Federal Employees with Disabilities: Apparent Perfection

There are no perfect lives, only the appearance of perfection.  We walk past one another, bump shoulders in large crowds (well, in these times, with social distancing and masks required, perhaps not); and we imagine other lives, other families and other strangers to live lives of perfection, or near-unblemished ones, until we hear otherwise.  Twitter, Facebook and other social mediums provide that appearance; but deep down, we know that perfection can never be achieved, only the appearance of it.

As the old idiom goes: Before you judge a person, walk a mile in that person’s shoes — and it is when we learn about the private details of another’s life that we begin to either appreciate our own, or become even more discontented.

Medical conditions are often masked by the appearance of normalcy, and we judge based upon the surface manifestations — a grimace; a groan; a wince; a request for assistance; or perhaps a vacant stare or paralysis of actions.  Not all pain can be verified by a diagnostic image; some conditions can only be correlated by real-time sensations.

For Federal employees and U.S. Postal workers who can no longer perform all of the essential elements of one’s Federal or Postal job, contact and consult with an OPM Disability Attorney who specializes in Federal Disability Retirement Law and consider whether the apparent perfection you have been presenting to your Agency or Postal facility is no longer possible because that presentation of perfection has been undermined by the medical condition itself.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Medical Retirement: What is the Goal?

Is it to merely reach retirement age?  Does it matter what the “quality” of life will be, or is it just enough that one has reached the age and “time-in-service” requirements, despite being debilitated by a medical condition?

Goals are funny animals; once set, most of us are determined to reach them no matter what the cost.  Yet, there is no unchangeable rule that states that a given “goal” cannot be modified.  Yes, we tend to liken goals to “rules” by which we play games, conduct sports events and live our lives according to the “laws” of which we are aware.  But personal and professional goals — they are set within the constrictions of our own minds, desires and will, and can be modified as circumstances change.

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, the question must be asked, What is the Goal?

If a career goal is impacted by a medical condition, then the goal itself must by necessity adapt to the new circumstances.  Filing a Federal Disability Retirement application is a form of adaptation to a changed circumstance.

Consult with an OPM Disability Attorney who specializes in OPM Disability Retirement Law, and consider what the goal is, in the first place, and secondly, whether your present condition and circumstances might not warrant a modification of that original goal.

Sincerely,

Robert R. McGill, Esquire

 

Attorney for OPM Disability Retirement Claims: The gist of it all

When do we want the “gist” of something?  The essence or the “main idea”; or to filter it into the short version, somewhat like the “spark notes” of the thing of which we seek.  Is it appropriate if a student is sitting through a boring lecture and raises his or her hand and asks politely, “I have an activity to attend this afternoon. Can you just give us the gist of what you’re trying to say?”

Or of the greater meaning of life itself — you know, that grand design that everyone is seeking, which is why so many people believe in such things as the “Da Vinci Code” or, more recently, “The Chamberlain Key” — codes to codices that reveal the heart of ancient secrets lost in the trash heaps of history or otherwise forgotten because of wars, famines and changes of the proverbial guards.

Why is it that such “keys” must always be “ancient”, and shrouded in the mystery of “secret societies” who will murder in the dead of night to protect the gist of it all?  How does that reflect upon modernity — that we are too superficial to invent or discover such codes?  Or, is it merely that the cynicism of scientism and the reliance upon the physical universe, the influence of British Logical Positivism and the Age of Science have all subsumed such romanticizing of mysteries beyond the age of reason?

In this fast-paced society where technology surpasses by lightening speed the insular world of secret societies and the unraveling of veiled codices, what we want in the end is the gist of it all — to bypass the tangential details and get to the heart of the matter.  We have little or no time for anything else.

So, 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, what is the gist of it all?  In other words, what is the essence of a Federal Disability Retirement annuity?

Well, to begin with, under FERS (which most people are, as the dinosaur of CSRS or even CSRS Offset have now been relegated to the Pleistocene Era of Federal employment) the Federal or Postal employee must have at least 18 month of Federal Service.  Second, we must be able to prove that a medical condition prevents the Federal or Postal employee from performing at least one, if not more, of the essential elements of the Federal or Postal job.  And third, the medical condition must last a minimum of 12 months.

Now, this latter bit of a requirement is often confused with thinking that a Federal or Postal worker must therefore wait for at least 12 months after the onset of a medical condition before the Federal or Postal employee can file for Federal Disability Retirement benefits.  No, that is not the case — for, most doctors and treating medical professionals can render a prognosis as to the chronicity of the medical condition, and that is all that is needed.

Of course, that is precisely the problem of getting merely the “gist of it all” — because, in the end, the annotated version of an important text, issue or pool of information can rarely be filtered down into a cup that can be gulped with one swallow, but is often an ocean full of undercurrents and dangers consumed with sharks, whales and stingrays — sort of like the metaphor of life itself, only more complex because preparing, formulating and filing an effective Federal Disability Retirement application is a complicated administrative process full of bureaucratic pitfalls that cannot ultimately be confined by the gist of it all.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement under FERS & CSRS: Ordered lives

There is, first of all, chaos and disarray; and whether from a biblical worldview or the natural paradigm of a universe formed from a massive energy source that exploded with such force as to hurl a spinning residue of astronomical proportions into far galaxies that resulted in the starry heavens we witness today; it is from the opposite of a placid tranquility that we experience the ordered lives of everyday existence.

There are, of course, the extremes of the spectrum – of that person who is obsessive and compulsive about the “ordering” of one’s life, where every teacup and saucer must be placed in the cupboard within precise millimeters of one another, and no angle of a picture on a wall must be allowed to circumvent the geometric consistency with the right angles of the corners; or, by contrast, the slob who believes that pants, plants, underwear and empty pizza boxes belong in the same corner of the bedroom as expensive china and puppies who snuggle in bathroom showers.

Somewhere in between the two extremes upon the spectrum of life, exists the ordinary person of ordinary means, who wakes up each ordinary morning to go about in ordinary ways; all within the constraints of ordered lives.  All, or most of us, like, enjoy and look forward to some semblance of order in our lives.

Chaos is good for an exciting moment; monotony of discourse for the rest of the day requires that sanity mandates a certain sequence of events, and that is why dystopian stories of a universe in disarray after a nuclear war or some other disastrous consequence of political missteps left in the hands of incompetent world leaders allows for small-budget films to be successful in scaring the hell out of us all.

Divorce, death, illness and tragedies disrupt the otherwise sought-after ordering of lives left peaceful; medical conditions tend to do that, don’t they?  They interrupt the tranquility that we so seek with quiet resolve; and then the medical condition becomes a chronic state of existence, and more than just a nuisance, they interrupt our plans, our hopes, and the essence of our ordered lives.

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 the Federal or Postal employee’s ability and capacity to perform the essential elements of one’s Federal or Postal job, the interruption that ensues from the disruption of a medical condition, resulting in the breaking up of one’s ordered life, often comes to a point where consideration must be given to filing for Federal Disability Retirement benefits.

It is an employment benefit that is “there” for Federal and Postal employees who can no longer perform one or more of the essential elements of one’s positional duties.  And, whether under FERS, CSRS or CSRS Offset, the time to consider preparing, formulating and filing for Federal Disability Retirement benefits may come at a time when the previous state of ordered lives is sought after again, if only to reach a destination where chaos is no longer the new norm of everyday existence.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The New Year

Perhaps it is not merely an arbitrary demarcation, after all.  It is around the time when the winter solstice reaches its pinnacle, and the days become lengthier, the nights shorter.  The year following – the “new” year – begins its ascendancy, leaving behind the frigid desolation yet to endure.

And the excesses of behavior – of drinking, celebration and abandonment of all societal decorum and convention?  It is a way of expiating the pent-up constraints of self-discipline and customary resolve; a way to release the energy of social boundaries for a few hours, a fortnight, and a morning after without regret or remorse.

It is often said that, in psychology and therapeutic intervention, the “aha” moment of gestalt realization is less important than the long and enduring struggles which must be faced immediately thereafter.  We often put too much emphasis and relevance upon that proverbial encounter on the road to Damascus, when in fact it is the long and arduous path that follows which will determine the success or failure of one’s life.

Marking a moment in time as the “cut-off” point of a new beginning may be convenience for multi-variegated purposes; in the world of objective reality, however, the artificial lines will only serve us so far.

This new year will bring out contradictory perspectives; some, as often as not, will predict doom and the soothsayer’s gloom; others, in herds of blind followings, will enter the dawn with hopes unvanquished and dreams yet to be realized.  The rest of us, as always, will have to plod along and live our lives.

For Federal employees and U.S. Postal workers who must contend with 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 artificial demarcation of “before” and “after”, and the insertion of the increase in the last digit from a 6 to a 7, will be marking an unnoticed blip in time.  That’s the thing about medical conditions; they cross cultures, time and even years.

When the medical condition becomes magnified to a point in 2017 where essential elements of the Federal or Postal job one is working in becomes impeded or otherwise unable to be performed, then the significance of the contrast as against the previous year becomes unmistakable, and the Federal or Postal employee may want to consider preparing, formulating and filing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

In the end, the “New” year is likely like the old one, and the one before that; only, our bodies deteriorate over time, and the uncaring behemoth of the federal agencies and the U.S. Postal Service may only become exponentially worsened.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The Holiday Season

We are entering into that period of respite; of the contradictory clashes of duality in purpose, paradigms and expectations:  to “be happy” during a season where one is forced to conform to a standard no one quite remembers was ever met in the history of mankind; of rushing to “get everything done”, while supposedly being reflective, meditative and contemplative upon the season of new birth and magical fantasies; of responding to cheerful salutations contrary to one’s nature, reflex and possible genetic disposition so ingrained that the forced smiles hurt the resistant flesh around one’s mouth; and, all the while, to act “as if.”

“As if” the religiosity of the event still matters while we stand in line to follow the incessant promptings of the commercialization of that which we are admonished to recognize as a “sacred” time of sacraments and benedictions; “as if” kids can still believe in something when throughout the rest of the year the cynicism of hopeless trope pervades and dominates; and “as if” the heart is really where the mind should be, when rationality is overwhelmed by the emotional turmoil of one’s life experiences, the present hope gone and replaced by tomorrow’s sorrowful cries for yonder residue of ashen dust as the angels of lost years flew by in a whirlwind of timeless escape.

Yet, as we were once young and the trials of childhood memories forbade but a glint of hope, we remember trying to stay awake and listening, with but hopeful ears and fleeting dreams, of the footsteps of Santa upon the roof above, knowing that the tears suffered in years long gone could be embraced by a singular touch of a hopeful tomorrow.

The Holiday Season is upon us – with all of its inherent stresses, the clash of psychology between hope and expectations, and the further problems now upon those who actually believe that someone else’s Instagram truly represents the reality of life’s perfection, where there is none.  Yes, yes – everyone will be given that trope of wisdom:  Slow down and enjoy the season; it is not as important to receive, but to give; if everything doesn’t seem perfect, relax and enjoy the company surrounding; if you are getting too “stressed out”, then – what?

Often, it is actions beyond words which result in the first steps toward a “feeling” of accomplishing something, and for Federal employees and U.S. Postal workers who need to take the next step towards getting beyond the medical condition that has become chronic, and away from the constant harassment and condescending remarks about not “carrying your weight” at the workplace, preparing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is often the necessary first and next step in reaching a goal known but not yet materialized.

It is somewhat like the “Holiday Season” itself:  we are “supposed” to be cheerful, but what cheer can be found in rushing about to buy trinkets from sweat factories made in foreign lands?  The key is to find the quality of life in the small steps we take, and as with both the Holiday Season and filing for Federal Disability Retirement benefits, it is those first and foremost necessary steps – baby-like though they may appear – that will result in the accomplishment of a lifetime.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement from Federal Government Employment: The broken record

Does the metaphor have any meaning for modernity, anymore?  Those discs made of shellac resin or vinyl, pressed into magical ridges where the needle would remain stable but for the warbling of the maze; but somehow that circular maze of ridges would have a scratch, directing the point of the needle to continue back into the previous ridge just traveled, like the lost child who cannot see beyond the walled ivy and keeps running frantically in circles, exhausted by the endless infinity of a pathway unable to be traversed beyond the limitless circularity of a philosopher’s argumentum ad nauseum, where tautology of teleology is likened to the boulder being pushed by Sisyphus.

But what of the individual who has never experienced the encounter with a broken record – neither in real life, nor in watching a movie or other inane television show where the manual labor of carefully lifting the needle by the undercarriage of a forefinger, then placing it gently onto the groove closest to the condemned one, possesses no contextual significance because of a lack of knowledge?

Those who have been dated by “aha” responses to such metaphors, take for granted such commonplace declarations; and when we meet with blank stares and confused eyelids, it dawns on us that there is no replacement for an actual experience of descriptive content.  For, the efficacy of the idiom itself is immediately lost upon an attempt to explain:  “You know, when a record starts to…”

And what of times previous to the introduction of the gramophone (boy, now we really are reaching back into time) – did the men and women from an era now past have such peculiar dialects that described repetitive droning of whining and complaining?  Was it something akin to, “Stop acting like a baying hyena,” where pioneers settled lands still dominating with lurking cries of wildlife and unsettled voices?

And what of foreign lands – countries afar and across the great oceans – did they recognize and identify the relevance of the repetition emitted by the spherical looping back upon a scratched surface, or was it ignored in other dialects as a ho-hum matter not worthy of creating a modern-day idiom to be added to the dictionary of everyday expressions?

The metaphor of the broken record is one whose utility has long passed; but for Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition has become a chronic state of inability in performing one or more of the essential elements of one’s Federal or Postal positional duties, the underlying and substantive content of the intersection with one’s career and life, remains relevant.  For, to the Agency, the U.S. Postal Service and the Supervisors, Managers and coworkers with the Federal Agency or the U.S. Postal worker – they view such chronic medical conditions like a “broken record” – of a fellow Federal or Postal worker who cannot “carry his or her” weight, anymore, and begins to treat the “situation” accordingly.

Human empathy lasts barely for a day; pernicious antagonism continues well beyond.  When it becomes clear that the Federal or Postal employee will no longer be able to abide by the conventions of the Federal or Postal rules, and others begin to view the use of Sick Leave, assertion of FMLA and constant need to shift workloads to others as acts to be punitively responded, it is time to consider preparing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, in order to have that undercarriage lifted and placed gently onto the next ridge of one’s life, in an effort to avoid the metaphor of being a broken record.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The magical potion of impotence

It is the insertion of the preposition, or the omission thereof, which makes for the alteration of meaning and the subtlety of conceptual differentiation.  Note that it is the grammatical playground – “of” – as opposed to “for”; and that small distinction makes for a vast difference.  For, if the latter would replace the former, then it would mean a declaration of a solution to the age-old problem of what old age does to us, what loss of vigor for life, stamina in living, and deterioration of purpose makes of us.

Instead, because of that minor word, comprise of two letters – a consonant and a vowel – as opposed to the addition of another consonant, that identifies the problem, as opposed to proposing the solution.  For, if one were to insert the headline, “The magical potion for impotence”, and moreover, end it with an umph by inserting the punctuation of an exclamation point (“The magical potion for impotence!”), and even make the relevant preposition in bold (“The magical potion for impotence!”), it is a confirmation of a solution found, and not a problem identified.

Instead, we are left with less, abandoned by a twofer as opposed to a threesome; and by that mere omission of a singular consonant, the entire meaning of the declarative sentence is reduced to a core admission that not by a solution is the sentence offered, but by a mere confession of less and subtracted inferiority.  And, what is the “magical potion” of impotence?  What lack and lessening are we referring to, when by prepositional subtraction, we refer to the problem and not the solution?

It is (surprise) – words and language.  For, language is both magical, and a potion of sorts; it allows for communication, conveyance of meaning, and a solution to puzzles universally acknowledged.  It excites for the beauty of imagination, where one may observe a child lost in thoughts, in fantasies created by fairytales and worlds within the psyche of one’s soul, and delight in laughter, dream in aspirational hope, and become laughing mites in a greater world of sorrow and darkness.  It is through words, sentences and conceptual compounds that wars can be averted, disasters can be presciently subverted, and love can be expressed.

Concurrently, however, it is also the venue to an inability to accomplish – and that is where the magic itself, in potion-like medicinal dependence, can undermine the vigor of living.  It is when we depend upon words alone, and ignore the reality of the physical world around us, that it contravenes the very essence of life.  For, words alone, without necessary actions to follow, will often result in a weakened state of impotence.  It allows for a somnolence of seeming serenity, where we engulf ourselves in the security of words, more words, and greater soothing slumber of mere words.

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 one’s Federal or Postal position, beware of the magical potion of impotence; for, one can remain in the wallowing slumber of words – words from doctors, sentences from Federal Agencies, threats from Supervisors and Managers – and never take the necessary next steps.

Preparing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal employee or U.S. Postal worker is under FERS, CSRS or CSRS Offset, requires that “next step” of “doing” – so that the magical potion of impotence can become transformed into the magical potion for impotence, and not remain the lesser, the subtracted, or the omitted consonant left behind.

Sincerely,

Robert R. McGill, Esquire