Medical Retirement Benefits for Federal & Postal Employees: Reminder (Continuing…)

So, how does one determine whether or not it is prudent to go out on LWOP completely, while awaiting for the decision on one’s application for Federal Disability Retirement benefits under FERS or CSRS?  Obviously, the initial criteria to be applied is whether or not you can afford to go out on LWOP.  Economic necessity (aside from considerations of one’s health and medical ability/inability to go to work during the long, drawn-out process) becomes a primary consideration.  If economic necessity dictates continuation of work, then the next question is, would your Agency consider allowing you to work 3 – 4 days a week, and allowing for 1 or 2 days to be taken off with LWOP?  This might be a prudent approach, since any back-pay for the first year, once your Federal Disability Retirement application is approved and payments start, will be paid at 60% of the average of one’s highest three consecutive years.  Thus, mathematically, it would make sense:  a minimum of 3 days of work quantifies to 60% or more, and so you would not be losing anything.  However, if your weekly average falls below the 60%, then you might want to consider going out on LWOP completely (again, only if your personal finances will allow for such).

Sincerely,

Robert R. McGill, Esquire

Federal and Postal Disability Retirement: Patience and the Attorney

Attorneys have limitations.  This may be a surprise to some people; many believe that because an attorney is involved, mountains can be moved and cases can be immediately resolved.  There are always “war stories” about the worker that X knows who filed a Federal Disability Retirement application under FERS or CSRS and got it approved within a couple of weeks, and got paid immediately the day after.  One should always be suspicious of such stories; they may or may not be true, but there is never a way to verify the truth, falsity or exaggeration of such stories without directly contacting the individual. 

What is “known” for certainty is that the Office of Personnel Management is a large governmental entity; it moves slowly; “demanding” that something must get done immediately, merely because one is represented by an attorney, will not necessarily make it so.  If a client hires an OPM Disability Attorney because he or she thinks that the OPM Disability Retirement application will go to the front of the line and bypass all administrative obstacles, then there must be some misunderstanding.  A Federal Disability Attorney should be hired to represent a disabled Federal or Postal employee based upon the following criteria:  (1)  The application stands a better chance of approval at the first stage, and (2) in the event of a federal disability denial, a responsive rebuttal will continue to increase the chances of ultimate approval.  For, that is the point of legal representation — ultimate approval.  The “fight” may have many rounds; it is the ultimate round of success which the attorney is most concerned with, in order to secure the long-term future of the client. Yes, the immediate pain of waiting, of financial uncertainty, etc., is very trying, and hardships abound.  That is where patience must come in.

Sincerely,

Robert R. McGill, Esquire