FERS & CSRS Disability Retirement for Federal and USPS Workers: Changes

Changes in life occur at critical times, and whether the critical time-period is determined by the medical condition, or other events, what is always important is to take the affirmative steps yourself, as opposed to waiting for events to spiral out of control.  Rarely should one await for the Agency to “do something” which is advantageous to one’s situation.  In filing for Federal Disability Retirement benefits under FERS or CSRS, it is important to always be the one to take the lead on everything — from obtaining the proper medical documentation, to ensuring that the Agency is completing their portion of required forms, to making sure that a Federal Disability Retirement packet is fully and completed formulated, such that it will prove one’s case by a preponderance of the evidence and meet the legal criteria for an approval.  Time is of the essence in each Federal Disability Retirement case, especially when time conspires against one’s own interests.

Sincerely,

Robert R. McGill, Esquire

OPM Disability Retirement: Life Changes

Major life changes occur at some point for everyone —  new births; deaths; marriage; major illnesses.  The trauma of a life-changing event such as a medical condition which impacts one’s ability to perform all of the essential elements of one’s job, is further exacerbated because of the financial impact that such a life-event can have upon a Federal or Postal employee.

While Federal Disability Retirement benefits do not fully make up for the loss of income (for FERS employees, it pays 60 percent of the average of one’s highest three consecutive years the first year, and 40% every year thereafter until age 62, at which point it gets converted and recalculated to regular retirement; while the Federal disability retirement calculation for CSRS employees is slightly more complex), it is at the very least a point of security — a base amount of income in which one can rely upon.

This is important, because with a major life-changing event, it is essential to focus one’s energies upon resolving, attacking, or otherwise handling that life-event, and not have the worries or distractions which take one’s energies away from focusing upon the one life-changing event.

Sincerely,

Robert R. McGill, Esquire