Disability Retirement for Federal Government Employees: The rate of return

At what point does the rate of return diminish to the extent that it is “no longer worth it.”?  And, what is the “it” referring to?  Is it the effort expended in contrast to the compensation received?  Is it the dividends paid upon an investment ignored?

Often, in all of the contexts just described, the focus is upon the wrong point; it is not the “end product” or the final sum that should determine the worthwhile aspect of the “rate of return”, but rather, the key term overlooked — not the “return”, but the “rate”.  One might argue that the two essentially are the same, inasmuch as the “return” (the sum received) is determined by the “rate” (the calculus that determines).  But are they?  Doesn’t it depend upon what context it is being applied to?

Certainly, when conceived of in a traditional investment category, the final sum received can be backtracked to the rate that has been applied; but what about other, more non-traditional contexts, such as friendships, work — even marriage?  Or does one never apply such cold-hearted calculations when discoursing upon the arena of human relationships?  Can we so easily drop friendships and end marriages based upon the same criteria applied in changing investment firms?

Come to think of it, our own lack of active interest is probably the single biggest reason that marriages and friendships last — because, like those investments that we allow to remain because we are too lazy to take an active interest in, many remain in marriages and friendships well beyond the love that has been lost long ago, or the affection that has waned all too subtly; for, in the end, it is our own laziness and lack of motivation that allows the fallowed pastures to let life slowly die in the uncaring tenements of thoughtless stupor.

For Federal employees and U.S. Postal workers that suffer from a medical condition, such that the medical condition begins to prevent the full performance of one’s positional duties and the essential elements of the job, the conceptual paradigm of the “rate of return” should be applied in contemplating whether or not to file for Federal Disability Retirement benefits.

Surely, the Federal Agency or the Postmaster is thinking along the same lines — is he/she getting the job done?  Can I get more out of someone else?

That is the Agency’s perspective; but what about yours?  Such questions as: Is my health going to improve by remaining?  What will the future options be: remain, resign or file for Federal Disability Retirement benefits?

If the first and second choices are no longer real options, then the third one is a necessity, as it becomes clear that the rate of return is no longer a worthwhile investment to remain in a job that clearly is destroying any semblance of one’s quality of life — and that, in the end, is what the purpose of the investment was all about to begin with.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Disability Retirement: The complexity of 2

It is the solo flight that presents the escape of simplicity; inclusion of another, and suddenly the complexity of responsibility, duty, obligation and sense of “ought” becomes a part of the entire equation.  At first, it may be love born upon an equal plane; any sense of disproportionality is easily ignored, quickly deflected and unselfconsciously dispensed with; but over time, the complexity of 2 begins to creep in.

It is neither insidious nor inherently negative by artifice; rather, it is the most natural of sensibilities, arising from a knowledge that reliance upon one another not only acknowledges and validates the vows of matrimony, but moreover, the eternal commitment each makes to the other forever forges the bonds of undiluted friendship, like kindred spirits floating in some ethereal universe unperturbed by distractions of consternation consecrated upon the altar of destruction.

Have you ever observed the interaction of singularity?  That is correct – it is simple and uncomplicated.  The asides are mere reflections of one’s own troubles; the soliloquys stated without puzzlement or obfuscation.

Then, if you add a second, the complexity of 2 comes into play – of misunderstandings, miscommunications and loss of solidarity in the oneness of judgment.  What if there are three?  Then, suddenly not only are there relationships between the first and second, but between first and third, second and third, as well as the tripartite interaction between all three simultaneously.  And of four?

The exponential complexity that arises from adding one more to each magnification of interrelationships enhances beyond the mere introduction of another, but creates a havoc beyond the singularity of such an entrance.  Why is this?

One would, on a purely conceptual level, likely argue that since the simplicity of 1 remains so, ergo the combination of each should logically retain such lack of complication.  But such an argument based upon theoretical argumentation and rationality elliptically conducted in an antiseptic environment and context fails to recognize the innate complexity of each human being.

That is why, in preparing 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, the simple-enough questions posed and queried on Standard Form 3112A, Applicant’s Statement of Disability, can never be characterized as “easy” or “straightforward”.

Why?  Because there is the complexity of 2 – or more.  For, while the questions themselves are answered by the singular Federal or Postal employee, there are multiple facets of that same employee which requires a response – the Federal or Postal employee in the status of an employee who suffers from a medical condition; the relationship between the medical condition and the positional requirements of the Federal or Postal job; the Federal or Postal employee in the capacity of his or her personal life; the introduction of the diagnosed Federal or Postal employee with a specific medical condition.

Do you see the complexity?  It is, as always, the complexity of 2.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: The measure of sincerity

How do you measure a concept?  By application of, or comparison with, another?  Or, does it require a meta-application — an algorithm from a different dimension?  We measure linear horizontal distances by coordinated precision of segmentation, and vertical sedimentary deposits by arc designs manifested and revealed in nature; so, what of conceptual distances and chasms of thoughts?

Can more words validate the sincerity of previously spoken words merely uttered in an informal setting of pleasantry and conversational discourse?  Does a track record of broken promises undermine the sincerity of future intentions conveyed by more words?  Does volume, either in the form of numerical countenance or in terms of decibels emitted, change the validity, tone or tonal significance of a person’s overt meaning?  Can a person state one belief at one moment, in a slice of time of historical irrelevance, where only private ears can confirm the spoken words; then, in the very next instance, make a public declaration affirming the very opposite of what was previously made known to a microcosm of friends and associates, and still cling to a claim of consistency, logical and rational thought processing, ignorance of any hypocritical intent, and sincerity as well?  How many chances does a person have, before words become meaningless by means of consistent refutation and reversal of one’s stated intent overturned by further disputation?

In the world of practical living, of course, each individual applies a threshold of judgment and determination.  The test and measure of sincerity is not to merely pile on more words upon previously-uttered communication; rather, it is actions which follow upon declared intent which confirms the validity of a meaningful statement.

For Federal employees and U.S. Postal workers who state that he or she is no longer able to perform one or more of the essential elements of one’s Federal or Postal positional duties, action must follow upon words of medical significance.  If a medical provider advises that continuation in a certain profession or duties required by a position in the Federal sector or the U.S. Postal Service is prevented because of a medical condition, then thoughts, words, conceptual daydreaming and wishful thinking are no longer enough.

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 the next logical step subsequent to, and in post-sequence, following upon words which have significance and import.  Ignoring words is one thing; denying truth is quite another.  For, in the end, how we measure sincerity is quite easy; we take the sum of the words spoken, divide it by the number of actions taken, and multiply that by the dividends previously accounted for in prior instances of similar motives stated.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The Hesitant Hole

The famous one, of course, and the one which draws the imagination, is depicted in Lewis Carroll’s tale of Alice and her journey down the rabbit’s abyss; another, the one which determines the relative shortcomings of weather predictability, but that one is guided more by shadows and perceptions from above, as opposed to the one dug below; or, there is the one which we dig for ourselves, and the proverbial timelessness of our foolish deeds.

Of the first, we remember the endless stretch of our imaginations which is expanded by the creativity of the author and the world of fantasy; the second, the reality of the dread we feel for the weather, the cold and the shortened days of winter when we yearn for the coming lull of summer warmth; and of the latter, it reminds us that the consequences of our own misdeeds continue to haunt us despite trepidation and timidity.

Do holes have a character?  Are some holes dug with delight?  Like deep caverns reaching beneath sandcastles on dreamy days of childhood laughter echoing against the wind and waves of salted air; or of the deep crevices and potholes in roads of concrete and steel, when the shifting tectonic forces of nature collide with man’s attempt to construct artificial barriers against timeless changes of fortitude and fear; and the one’s we claw at.

The large ones created by bulldozers and other machines, do they not unravel the once-concealed arrogance of man?  And the careful pawing of the delicate hand in the timeless sand, where castles crumble with trepidations of joy?  But it is the grownup’s attempts at escape, of creating a hiding place where adulthood no longer allows for Alice’s wanderings into a virtual world of imagination and creative loss, and the dread of reality bearing upon the fearful universe we cannot understand, fail to navigate and refuse to negotiate.

The world is indeed a fearful place, and we wish there would always be a rabbit hole to fall into, if only to escape the harshness of our own misgivings.  But beyond that hole into which we inadvertently fall, it is the one’s we dig for ourselves — hesitantly — which create the greatest of calamities.  For, when we do it with trepidation and fear, it is the slow and incremental depth and vastness of it which escapes our immediate attention.

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 positional duties with the Federal agency or the U.S. Postal Service, it is that hesitation which continues to create the deepened caverns of choices for future security and certainty.

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 always a difficult decision to make; indeed, filing for OPM medical retirement means that a change is forthcoming, both in career and in finances.  But because the entire administrative process of filing for Federal Disability Retirement benefits through OPM is a long and arduous road to take, it is the hesitant hole which we dig by procrastinating, delaying and obfuscating that often makes for that seemingly endless fall from grace which Alice kept wondering about; but for her, at least she knew that the hole she fell into was the creation of the rabbit she pursued, and not the hesitant hole of one’s own making into which we cannot dig ourselves out from.

Sincerely,

Robert R. McGill, Esquire

 

OPM Accepted Medical Conditions

The problem with “lists” is that, the moment one realizes that one is not on the list, the tendency is to simply give up and go home.  But lists are rarely exhaustive; rather, most are merely to provide a “paradigm” or “type”, as opposed to exclusionary intent by failing to specify or name.

PTSD

Federal Civilian employees with PTSD may qualify for OPM Disability Retirement depending upon the circumstances.  There is no need to prove that this condition is pre-existing or job-related

Thus, for Federal employees and U.S. Postal workers who are considering preparing, formulating and filing for OPM Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the critical issue to recognize is threefold:  First, becoming qualified for Federal Disability Retirement benefits through OPM is not dependent upon having an officially identifiable diagnosis which matches a “list” compiled at OPM; Second, in some ways, the symptoms manifested are just as important as the underlying diagnosis, precisely because what the Federal or Postal employee “suffers from” is what impacts the capacity and ability of the Federal or Postal employee in performing the essential elements of one’s positional duties; and Third, because Federal Disability Retirement is based upon the nexus between one’s medical condition and the positional duties required in one’s job, there is a requirement of showing the “connection” between the Federal or Postal job and the manifestation of the diagnosed medical condition(s).

Sleep Apnea

Obstructive Sleep Apnea (or Apnoea) may also qualify for OPM Disability Retirement if this condition causes fatigue and sleepiness in such a way that it interferes with work productivity

Thus, while a 1-to-1 ratio between a medical condition and an “essential element” of one’s positional duties is not required (the recent Henderson case reiterated that issue), a showing of incompatibility between the medical condition and the positional requirements is enough to establish eligibility for OPM Disability Retirement Benefits.  In the end, providing a “list” is somewhat more of a disservice than not, because no list would ever be complete, and an incomplete list has a tendency to dishearten and dissuade.

Sciatica and Low-back pain

Sciatica is a type of pain affecting the sciatic nerve, often as a result of repetitive strain injury.  U.S. Postal employees are especially vulnerable to low back pain and repetitive strain injuries when pulling “cages” (Mail Handlers); standing, twisting, turning, and bending when working with Flat Sorting Machines (Distribution Clerks); standing for long hours (Windows Clerks); and when sitting in mail trucks and carrying heavy mailbags on their shoulders for several hours (Letter Carriers)

That being said, there are overarching “types” of medical conditions in either categories:  of Psychiatric (Major Depression, Generalized Anxiety, Anxiety, panic attacks, suicidal ideations, Paranoia, Schizophrenia, Bipolar Disorder, Psychosis, ADD, ADHD, OCD), but which also fall under the general aegis of “cognitive dysfunctions” as well; and of Physical (Chronic Pain, Degenerative Disc Disease, Cervical degeneration; disc bulges and herniations; disc impingements; RSD; chemical-sensitivity issues; Asthma; pulmonary issues; anatomically-targeted issues involving hands, wrists, knees, feet, etc.; as well as GERD, Sleep Apnea, Profound Fatigue; IBS; residual effects from treatment regimens; symptoms which impact, directly or indirectly, the ability and capacity to perform the essential elements of one’s Federal or Postal positional duties); and many, many more.

Doctors' OPM narrative

Doctors are usually familiarized with SSDI rules, not with OPM Disability law; so, even if they are willing to help, they will be typically unable to do so

There:  the disservice has been accomplished; like being back in elementary school where the “list” for the most popular, the coolest and the best dressed did not recognize your name, for Federal and Postal employees, the focus needs to always be upon that “secondary” issue of the 2-part nexus: Whatever the “it” is, is it impacting your ability or capacity to perform one or more of the essential elements of your job?

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The Linguistic Labyrinth

Language is a labyrinth of paths.  You approach from one side and know your way around; you approach the same place from another side and no longer know your way about.”  #203, Philosophical Investigations, Ludwig Wittgenstein.  Life is never a static construct; those who consider it so, are sorely left behind when the winds of change suddenly fill the sails and the slumbering ship awakens with a groan to pull free of its moorings.

Left behind are the days when a person could count on the vocation of the parent, or of a career singular throughout.  Instead, the economy forces us to adapt and reconsider; new skills are needed, or old ones refined and readjusted.  And the feudal days when the kindness of the squire was tested where lameness or debilitating accidents incurred the wrath of life, are bygones of past initiatives thrown to the howling wolves of predatory eyes lurking behind to take advantage of every slight and weakness revealed.

Language is like that, too.  We think that schooling ends when the diploma is handed out, at whatever stage of advancement; but the reality is that the true test of self-initiative begins at that very moment, precisely because liberty allows the freedom to choose between vice or value, where the former is offered freely to the youth who has been released from the shackles of parental control.

For Federal employees and U.S. Postal Workers who find themselves in a position where a career move is necessitated by an unfortunate accident or onset of a medical condition, the truth of Wittgenstein, and of life lived in a world of complexities, comes to the fore.

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 difficult approach when the mandates of life’s ferocity coalesce in a tripartite convergence:  a medical condition; impact upon one’s ability to perform the essential elements of one’s positional duties with the Federal Agency or the U.S. Postal Service; and the need to secure one’s future in order to attain a level of financial stability.

The unknown labyrinth of language becomes a maze of confusion when the Federal or Postal employee encounters the legal eligibility requirements mandated by the U.S. Office of Personnel Management in order to overcome the obstacles and hurdles in an effort to obtain a Federal Disability Retirement annuity.

Throughout life, the Federal or Postal Worker has approached the path of language from one opening; now, he or she must enter the gates of a bureaucracy which requires expertise and knowledge of a completely different sort, and without the assistance of an attorney, you enter the labyrinth of the unknown at your own peril.

Sincerely,

Robert R. McGill, Esquire