FERS OPM Disability Retirement: Happy New Year 2023

Each year brings forth a new set of challenges – or as it were, a new set of problems.  It all depends upon how we view it.  The optimist will see an opportunity within the new set, while the pessimist will have a negative perspective and affirm an unconquerable obstacle.

And the cynic?  The cynic will combine the optimist’s and the pessimist’s beliefs and see the former as a fool and the latter as even a greater fool, and where both will fail in their endeavors regardless of attitude or mood.

Whatever the outcome of all, the march of time trudges onward and the new year brings about changes regardless of our feeble attempts to control and circumvent them.  The natural, objective world cares not about human needs, problems, or tragedies, and time nor changes of calendric alterations fail to alleviate them.

Nevertheless, we celebrate each new year as if it provides a clean slate to begin anew, and that is a good thing, let all the days of our lives be looked upon as a single aggregation of comedic inconsequence.

Everyone likes to have a fresh start, whether by artifice or natural inclination and so we celebrate this next new year as we have every year, “as if’ when the clock strikes midnight and the single tic-tok following has made any difference at all; and yet, let us cheer a  toast of goodwill and prepare a celebratory welcome, if only to bring hope and joy to those less fortunate.

For, after all, while nature sleeps unencumbered by the problems of tomorrow, it is the human effort which can make a difference in people’s lives, and that is what distinguishes the optimist from the pessimist, and force silence upon the cynic’s lips.

For Federal Employees and U.S. Postal Workers who suffer from a medical condition that may necessitate filing for Federal Disability benefits in the coming year, contact a FERS Lawyer who specializes in Federal Disability Retirement law in 2023, and begin to adopt an optimistic view for your future.

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: Joy

It is the cousin of happiness, the nephew of contentment; or, the shadow to a smile and a residue of pleasure.  Joy is what we are supposed to experience, as evidenced by the seasons of Christmas and the New Year.  The smile which is forced; the laughter that sounds hollow; the caricature of the Norman Rockwell painting — and by contrast, the life which most of us live and encounter.

Much of life is a struggle, strangling the pop-up moments where joy might peek around the corner.  It is a wonder that most people don’t all become Buddhists, and will themselves to believe that the world around them is merely an illusion, given the sadness which prevails in most lives.

For Federal employees and U.S. Postal workers who suffer from a chronic and increasingly, progressively debilitating medical condition, “joy” is often the last cousin to enter the household.

Contact an OPM Attorney to discuss the possibility of filing for Federal Disability Retirement benefits under FERS, especially where joy is no longer the nephew to embrace because he has already left for other, happier circumstances.

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.

 

Federal Disability Retirement: Perfecting life versus living perfectly

It is the latter which most of us do, or pretend to do, and which stunts the capacity to engage in the former.  And so that which we should be doing (the former) is prevented because of that which we are already doing (the latter), in a never-ending cycle of self-destruction.

Those Internet internecine attempts which include Facebook and Instagram don’t help in these matters, and perhaps exacerbate them exponentially.  For, in both cases, they encourage each one of us to “appear” to be living perfectly, when the whole endeavor of human existence should be a striving towards perfecting our lives — i.e., of recognizing the imperfect status of our current condition, having a paradigm towards which one strives in order to correct those defects, and thus towards the “end” of this prosaically-described “journey” of sorts, to be able to declare that “perfection” was somewhat achieved.

But — no — instead, we create an appearance, a facade, a dissembling image of one’s appearance and put forth a self-portrait of an already-achieved perfection: The perfect happiness; the perfect outing; the perfect couple and the perfect participle.

The origins of philosophy (i.e., Plato, Aristotle and those who followed) were always concerned with the differentiation between “Appearance” and “Reality”; in modernity, the two have been conflated, where one’s appearance is the reality of one’s existence.  By commingling concepts which were once clearly bifurcated, we prevent the capacity of human beings to strive to be better, to grow and mature towards greater fulfillment of one’s potentiality.

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 is a familiar concept — of hiding one’s imperfections in an environment that demands perfection daily.  Medical conditions and their impact on a person’s life — these are considered “imperfections” in a society that demands nothing less than perfection.  Thus does the targeted harassment begin — to “punish” the very person who needs support, empathy and understanding, instead of the constant barrage of unneeded animosity.

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management may not, in and of itself, be the perfect solution; but, as imperfect a solution as filing a Federal Disability Retirement application may seem, the appearance of an imperfect solution may be preferable than the perfection expected but unattainable in a society that appears to be perfectly fine with imperfections pervasively perfected by appearances of concealed imperfections.

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 Disability Retirement: Those bare moments of honesty

They come in flashes of rare instances; sometimes, in a more subtle manner, like encroachments by a nimble adversary; at others, tantamount to ugly boils erupting in the middle of one’s forehead while interviewing for a sought-after position.  We cloak ourselves in lies, more lies, and obfuscations wrapped in greater deceptions of self-doubt.

Sometimes, such concealment is necessary; for, perhaps it is an evolutionary tool in order to merely survive.  Those who have lost such capacity may have to face the harsh realities of day-to-day living, and simply go mad; others who cannot defer the decadence of self-realization may react by engaging in binges of bifurcated pigeonholing and compartmentalizing of walls constructed to deny access to intercontinental flights of fancy.

Heidegger would say of it that we are merely procrastinating the inevitable.  The reality of Being is too harsh; projects and made-up, artificial distractions allow us to avoid the revelation of the ugliness of the world, or at least delay its unconcealed rupture for the time being.

But medical conditions shatter that quietude of avoidance.  For, their reality and intentional rudeness in deliberate interference in our daily lives presents itself like the fat uncle who takes up the entire couch without asking; the ugly displacement of pleasurable moments cloaked in deceptive avoidance of self-awareness makes for an elephant which is whispered about but nobody notices.

Becoming lost in virtual reality; Facebook friends whom we never meet; Twitter followings which meander in meaningless platitudes; the very lack of substantive discourse in our lives belies our greater efforts to avoid and confound.

Does it matter that the team one roots for will have lost on Sunday, or that the Lottery Ticket was a wasted twenty-dollar bill flushed down the toilet?  Mere distractions become central in lives of desperation and quiet moments of weeping in the dark caverns of lost thoughts, sought-after childhoods and forgotten moments of honesty and carefree pictures frozen in time.  But it is the ugliness of troublesome truths which reveal themselves to haunt and nudge.

For Federal employees and U.S. Postal Service workers who must face that challenge, the reality of life occurs when the medical condition prevents the Federal employee or Postal worker from continuing to perform the essential elements of one’s positional duties in the Federal agency or the U.S. Postal Service.  At some point, serious decisions must be made.

The clash between avoidance and reality comes to a flashpoint of sorts, and procrastination of the delayed cloaking of harshness can no longer be discreetly catalogued.

The page is opened upon us, and we must ask:  Can I continue in this same way?  Is the Agency or the Postal Service considering termination?  Will I become a young retiree in a 90-year old body if I struggle to remain?  And those haunting images of 40-some-year-old former football players in wheelchairs and walking like senile old men — does that portend of images for my life in the not-too-distant future?

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, is a viable alternative to allowing for those bare moments of honesty to become a self-fulfilling prophesy.

Indicators mean something, and when one’s body, mind or soul shout within the quietude of one’s nudging conscience, it is time to consider preparing, formulating and filing for OPM Disability Retirement benefits, lest those bare moments of honesty become lost in the forgotten crevices of secluded fears relegated to the growing trash heaps of avoided realities.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The Unending Cycle of Relapse

It is merely from a perspective of combined incrementalism with an admixture of hope and self-delusion that people talk about a “relapse”.  The plain fact is, most medical conditions follow a fairly predictable and linear path of progressive deterioration, with critical junctures of static chronicity, and marked by charted moments of quietude interrupted with a fury of vengeful prose.  If a business graph were to depict the pathway of most medical conditions, the ups and downs of the jagged lines would mesmerize and confuse us with contemptuous puzzlement.

We assure ourselves that we are “getting better”, when all the while we continue to ignore, procrastinate, explain and justify all of the indicators and warning signs of downward decline.  An increase in the medication regimen, explained by mere temporary need; greater pain, with reference to some minor activity recently engaged in; and so the self-justifying conundrums are thrown as explanatory deliberations, when the bodies suffer so despite the words offered as sacrificial animals to the gods of thunder.

For Federal employees and U.S. Postal workers who suffer from a medical condition, this phenomena of parsing words despite facts which fly in the face of reality, is often born of necessity and a false image of self, society and servitude to the “mission of the agency” or the Constitutionally-born importance of the U.S. Postal Service (circa Benjamin Franklin, thank you).  But health has a funny way of  defying self-justifications of ineffective prose, and poetry and thought never curtails the unending cycle of relapse, precisely because what we do to our minds, bodies and souls accounts for little when misuse and unintended abuse prevail.

For the Federal employee and the U.S. Postal worker who fails to make one’s health a priority first, then all other considerations of secondary import, the need to file 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, often becomes a victim of such unending cycle.

To suffer a “relapse” is merely an attempt to justify that which the body or mind was merely telling you all along.  Yes, sometimes the quiet whispers in the deadened silence of night can be ignored and disregarded; but it is those haunting quietudes which perturb and disturb despite our best efforts to ignore, which roar back to engulf us when least we expect.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement from Federal Employment: Pensive Passions

Often, truth is found in contrasting and inherently antithetical concepts; the fact that they may be contradictory in appearance, does not substantively make it so; and, instead, it is often the combined tension between the two which engenders cohesive cooperation, whether forced, mandatory, unhappily or otherwise.  Think of marriage.  Or, the productivity in moments of combative circumstances.

Does voluminous activity in the context of stagnation necessarily follow?  Or qualitative brilliance erupting from sedentary immobilization?  For Federal employees and U.S. Postal workers who suffer from a medical condition, the thought of “moving on” by filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, is often an anathema which prevents further reflection and thoughtful engagement on the matter.  Then, when it becomes an emergency because of months, perhaps even years, of procrastination and unwillingness, then and only then does the adaptation of one’s thought process begin to coordinate the reality of future orientation.

Filing for Federal Disability Retirement benefits through OPM is not an end, but merely a new beginning; it is not an indication of surrender, but rather an advancement towards a different future; and it is not “letting down” family, friends, coworkers or some unrealistic viewpoint concerning one’s self-image, but instead, is a recognition that priorities matter, and what is important in life must by necessity be prioritized, with health and one’s self-worth being at the top of the list.  Continuing to go to work in the drudgery of one’s medical morass, where the Federal agency and the U.S. Postal Service is no longer supportive of continuation in such a venue, is to remain stuck in an untenable situation.

Being pensive in the matter is to take some time to reflect; to possess passion, is that loss which once was a sense of awe in holding a jewel sparkling in regular moments during a routine of boredom, of getting up each day and looking forward to advancing one’s Federal or Postal career, but now because of a progressively deteriorating medical condition, has ceased and closed the curtain of enthusiasm.

Now, to have pensive passion is important, for it is that combination for the Federal and Postal employee who suffers from a medical condition, such that the medical condition prevents the Federal and Postal employee from performing one or more of the essential elements of one’s positional duties in the Federal Sector or the U.S. Postal Service, which will serve him or her well in the next phase of one’s life, in preparing, formulating and filing for Federal Disability Retirement benefits through OPM.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Jobs: Prerogatives

The exclusivity of a right or privilege can remain dormant until asserted; and assertion triggers and activates, and suddenly that which consisted merely of quietude and inertia, becomes the centrality of controversy, contention and adversarial encounter.  Much of life is like that; resembling the proverbial elephant in the sitting room, or the decaying clump of unidentified derivation of unseemly scents, people tend to avoid and take a wide berth while acting “as if” throughout the day, the week, a year, and in a lifetime.

In olden days of yore, the “prerogative” was retained by the King, the Crown and the Papacy to assert or not, depending often upon the whims of emotional and political turmoil.  The fact of inactivity or inertia with respect to the right or privilege did not result in the loss of it; rather, it merely meant that the non-use of power only magnified the unlimited potentiality for tyranny.  One doesn’t lose something merely because it isn’t used; unless, of course, you are a common man or woman without power or purpose.

For Federal employees and U.S. Postal workers who have been “allowed” by one’s agency or the U.S. Postal Service to continue to remain in one’s position at the “prerogative” of the agency or the U.S. Postal Service, by being retained in some capacity of “light duty” or informal arrangement of “less-than-full-duty” status, the attitude and atmosphere can be likened to the Royal Family allowing and granting a limited dispensation at the mercy of the Crown, and always with humble subservience of gratitude and metaphorical acts of low-bowing.

While it is dangerous to be indebted to someone else for too much, the greater travail is to believe that one owes something of value when in fact no such indebtedness ever existed.

For Federal and 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 positional duties, the fact that the Federal agency or the U.S. Postal Service “says” that it is “accommodating” the Federal or Postal employee, does not necessarily make it so.

The prerogative to file 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, always remains and is retained by the Federal or Postal employee, even throughout a circumstance and situation where the Federal agency or the U.S. Postal Service contends that the Federal or Postal employee is being “accommodated”.  For, the term itself is one of art, and “accommodation” — in order to be a legally viable accommodation — must meet certain standards and rise to a level of legal sufficiency.

The mere fact that the Federal agency on High says it is so, no longer applies; for, despite its claim to greater status of Royalty, the days of uncontested power through mere lineage no longer exists, except perhaps in the feeble minds of the commoner who treads the hallways of Federal agencies and U.S. Post Offices with fear, trembling, and humble subservience.

Sincerely,

Robert R. McGill, Esquire