Federal & Postal Disability Retirement: The 90/10 rule

It is a general principle to which most of us adhere to, or at the very least, confirm and affirm by own own actions or lack thereof.  In work, 90% of what we do constitutes drudgery and repetitive toil of uninteresting accomplishments; we strive, however, for that opportunity to perform the remaining 10%, which makes for an interesting career.

A similar proportional reflection applies to marriage and love; there are corollaries to the statistical generalizations, however, such as our own children and those of others — where 90% of other people’s kids are bratty and selfish, but only about 10% of parents know it, would acknowledge it, and might even own up to it, but where 90% of parents believe that their own kids are the cutest and most brilliant prodigies yet known to mankind.

Then, of course, there is grandpa’s admonition about people in general:  90% of the people you meet aren’t worth a penny’s value of attention, and of that 10% who might show some promise, 9 out of 10 (i.e., again, 10%, or 1% of the aggregate) will turn out to have merely fooled you.

What does that say about choosing a life-partner in romance or marriage?  90% of the time, people in general are going to disappoint, and 10% might meet expectations of contentment; but then, 90% of us believe that, from the “other’s” perspective, we ourselves always fall into that 10%, when in fact we likely fall into the 90% ourselves.

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 the Federal or Postal job, such a state of affairs likely falls into the minority of Federal or Postal workers — again, generally about 10%, if that.  The problem, however, is that the majority of that 10% or so (again, probably about 90%) believe (mistakenly or self-delusionally) that they will fall into the 10% of such groupings who are able to continue their Federal or Postal careers despite the progressively deteriorating condition.

What the Federal or Postal employee who falls into that initial 10% or less of the workforce, whether under FERS, CSRS or CSRS Offset, should do, is to ensure that you become part of that 90% or more of Federal employees or U.S. Postal Service workers who recognize that preparing, formulating and filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is not merely a matter of statistical luck, but requires a foresight of effective preparation and competent insight — in other words, to be in that 10% as opposed to the 90%, attesting to the fact that, all in all, the 90/10 rule has some grain of truth to it, if only somewhat on a 10/90 scale.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Federal & Postal Employees: Fear Untethered

It is of evolutionary advantage for a healthy dose to allow; what amount, whether it can be quantified, and to what extent instinct should be restrained before intersecting rage and reactive violence meet, is a question, a puzzle and a conundrum.  An animal in fear is both broken and dangerous, and the corollary of the two sides of a singular coin reveals the thin line between innate survival instincts which we attempt to linguistically describe, but are at a disadvantage precisely because words are ultimately inadequate in reflecting reality.

Tethering our fears is a lifelong process for everyone; the balance between healthy bridling and repressive dangers where outlets are disallowed but when expression of ignored or unattended trauma may erupt in later discourses of life and leniency of self, validates the delicacy of our sensitive natures.  To be overbearing or detachedly impervious; to allow for expression beyond therapeutic value, or to blithely shut down all channels of thought and numbing emotions of eruptive tremblings of sobbing heaves; the tightrope of life leaves little room for error on either side of the equation.

We often speak in terms of “how much” and “what amount”, as if human frailty can be mixed in a crockpot of ingredients thrown by whim of recipe; a dash of solvent emotion here, a teaspoon of corrective stoicism over here.  The reality of the situation is that fear rules most of us; we just never allow the untethering of it to be revealed too soon, for greater fear of being found out, like the emperor whose clothes we knew to not exist, but were too cowardly to admit, until the boldness of a child took the lead in shattering the facade of our own making.

For Federal employees and U.S. Postal workers, the emotion of fear is a known quantity.  Little fiefdoms and feudal fares of power plays occur as daily soap operas unraveling despite the bureaucracy of rules, regulations and administrative forces of containment.

Then, when the Federal or Postal employee begins to suffer from a medical condition, such that the medical condition begins to threaten and impact the Federal or Postal employee’s ability or capacity to perform all of the essential elements of the Federal or Postal positional duties, the fears which were once effectively tethered begin to uncoil, as future uncertainty and suspicion of motives in the unexplained actions of others and the agency whispers begin to foment those recesses of evolutionary cries for survival and rage.

Medical conditions tend to do that:  they feed upon themselves, and exponentially magnify and exacerbate those very fears we were previously able to restrain, contain and maintain.  It is important in the time of fear and untethering of emotions, to seek wise counsel and obtain some direction in preparing, formulating and filing for 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.

For, in the end, fear untethered is like the pinnacle of the forgotten nightmare, when the abyss of sweat and trembling reaches a climax of unknown proportions, and when screams are no longer heard, pleas no longer considered, and the grace of angels flying beyond into the netherworld of residues where the golden dust of forgiveness is sprinkled afar.

Sincerely,

Robert R. McGill, Esquire