OPM Disability Retirement under FERS: Factors to consider

The universe of thoughtful decision-making shrinks exponentially and in direct correlation with the pertinent and relevant information gathered, and it is too often the case that factors not considered are the very ones which lead to a non-decision or, more importantly, to a wrong conclusion.

What factors should be considered when a Federal or Postal employee is going to file for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset?

Certainly, age can be a factor — for, if OPM engages in a recalculation of a Federal Disability Retirement annuity at age 62, and you are fast approaching that age, the factor of “how long it takes” to get an OPM Disability Retirement approved (about a year, give or take a few months on either side of the equation); whether you get any backpay once it is approved (back to the last day your Agency or the Postal Service has paid you anything); and whether the time you are on Federal Disability Retirement counts towards your total number of years accrued until the recalculation age at 62 (it does) — should all be factors to consider.

Further, even if you are still relatively young, should those same factors be considered?  The short answer is an unequivocal “yes” — and probably many others, besides, including: Do I intend on working at another job in the private sector while on Federal Disability Retirement?  Do I have Service-Connected disabilities that can play a factor [sic] in the factors to be considered?

The universe of factors to consider in preparing, formulating and filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, are innumerable; and then, there are likely factors that you have not even considered, but which may be prompted by consulting with an attorney who has already considered multiple factors besides, and who may be able to guide you in this complex process called “OPM Disability Retirement”.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Static Divides

Most of our lives are struggles to maintain the status quo; for, as change results in turmoil, so rectitude of unchanged repetition requires the least amount of effort, but mere monotony of action to forego any greater expenditure of further efforts.  It is when the static longevity of identical mirroring of life begins to harm, that it then divides us.

Doing the same thing daily, over and over again, with slight variations to accommodate life’s vicissitudes, allows for the peaceful quietude of daily living; but when such repetition of activity may potentially lead to self-immolation through inactivity of thought, then that is what some term as “insanity”.  When the static calm of daily living results in a division of spoils, it must spur one to a different way of thinking.

Medical conditions tend to do that to us.  For, it is those “outside forces” which we cannot control, which mandates activity previously unforeseen.

Preparing, formulating and 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 time of disquietude, precisely because change is now imminent in the projected future of our own imagination.  It means that one must take affirmative steps and actively engage in the process of that very division which we delayed, procrastinated, and persistently disregarded, and perhaps even lied to ourselves about tomorrow, next week, or next month.

The future is always upon us; and when we ignore the perils of tomorrow, we pay for it at the price of today.

Filing for Federal Disability Retirement benefits through OPM is never an easy matter; it is disruptive, a bureaucratic nightmare, and an agony of engagement with a distasteful palate.  But as the time of static division pervades even unto our very soul, it is time to take that step for change and begin to prepare, formulate and file for Federal Disability Retirement benefits through OPM, bringing change into our lives in a world often unchanging but resistant to the enemy of ourselves.

Sincerely,

Robert R. McGill, Esquire