OPM Retirement for Mental or Physical Incapacity: Perilous times

It can refer to the particular or the general, interchangeably almost without thought.  To refer to these “perilous times” is to ascribe to a particular period, an epoch or an era, an acknowledgment that the surrounding days and months are unique from all other timeframes of perceived dangers and tumultuous upheavals.  Or, it can be quite personal — where one describes specific circumstances concerning one’s own life, one’s situation and the peculiarities of a life otherwise undisturbed by circumstances that stand out.

There is that expansive “we” form that can distinguish between the particular and the general, as in, “We live in perilous times.”  Or, one can personalize it and declare to a friend in confidence, “I live in a state of peril” or “My life reflects these perilous times.”  The latter, of course, implies both the particular and the general by including not only the personal aspect of one’s upheaval but the generality of the historical context within which we all walk about.  Perilous times, indeed.

Medical conditions tend to specifically impact individuals in this way — for, in the particular, it hits upon us as a crisis of quality.  How we have lived; the lifestyle we have chosen; the priorities of what constitutes “worthiness”; all of these are challenged by a medical condition that begins to insidiously eat away at our body, our mind, our spirit.

Whether by intrusion of pain or something within us that no longer “works” normally; of private functions that have become worn out, or perhaps it is the memory, mental capacity or ability to cope with daily stresses; but of whatever origin or outcome, we look about for cures and comfort and often find none but some palliative form in a pill or a surgery that fails to correct.  Times become perilous because of circumstances beyond our control.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to prevent the Federal or Postal employee from performing one or more of the essential elements of the Federal or Postal job, perilous times often require perilous choices, and preparing, formulating and filing 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, becomes a necessary next step in attempting to forestall the inevitable results of these very times that we deem to be perilous, whether in a particular sense or in a more generalized historical context.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement: Life’s mortgage

We all know well the concept behind it – of borrowing against the object itself, in order to “half-possess”, occupy and enjoy it presently against a future promise that it will be paid over an incremental period of time.  Sort of like life itself, or at least of one’s health.  Borrowed time; life’s mortgage; banking on a better tomorrow; relying upon a promise being kept based upon today’s favorable circumstances over a lengthy period of time well into a future we can never be certain about.

Yet, because the collateral is the object itself – normally, the house that is being mortgaged – the loaning institution actually doesn’t take any gamble at all, even if the value of the collateral plunges below the agreed-upon amount to be paid; one is still obligated, no matter what.

It is sort of like life’s challenge itself – of the promise of a promising life based upon an anticipated health that will last until the day when one is suddenly gone.  But life doesn’t always work that way, just as the mortgage, lien and promise of financial growth doesn’t quite always fold out as planned, like the scrolled blueprint that keeps trying to roll back into an obscured cylinder with each attempt to lay it flat.

Sickness occurs; health deteriorates; the 30-year mortgage that was promised at the onset of the contract signed doesn’t unfold as anticipated, and sometimes a default occurs – like the health that deteriorates and the career that must be ended.

Federal Disability Retirement is a benefit accorded to all Federal and Postal employees under FERS, CSRS or CSRS Offset, based upon the idea that recognizes that while a long-term commitment to a career is reasonably anticipated, there are instances where such a commitment may need to be modified in the event of failing health.  Unlike the bank’s position in a mortgage-relationship as lender-to-borrower, however, it is not quite all that one-sided.  There are options still open.

Thus, because Federal Disability Retirement requires only that a person be unable to perform one or more of the essential elements of one’s position being occupied, the Federal or Postal employee is allowed to go out into the private sector and work at a job somewhat dissimilar (so long as there are “essential elements” which are not identical to the former Federal or Postal position), and make up to 80% of what the former Federal or Postal job pays currently.

For, in the end, life’s mortgage is unlike the home mortgage where the lender holds all of the proverbial cards; at least for the former, the great thing is that the reliance is upon the capacity of man’s ability, and not upon the fine print hidden within the banker’s contract.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: The importance of seeing a way out

The strategic approach of allowing for a route of retreat is well-known; by providing an exit option, casualties are lessened and the proportional ferocity of battle often parallels the availability or non-existence of such a pathway out.

Cornered animals behave in the same way – and why would they not?  Do we think that we are somehow exempt from the genetic predisposition of Darwinian inherency?  And the cornered enemy who sees no exit – with the final bullet retained for self-annihilation, the option of surrender not a reality for the traitorous residue to such an act, or of the potential for torture and mutilation naturally following revenge upon actions taken previously; or a kamikaze-like final hurrah met with a hail of bullets; it is the importance of seeing a way out, that often determines the course of future conduct.

That is how the Federal employee or the U.S. Postal Service worker views the benefit of a Federal Disability Retirement:  as the “way out” of an otherwise untenable future course.  Without it, the options are often:  Die trying to get to work each day; resign with nothing to show for the many years of investing in one’s career in the Federal sector or the U.S. Postal Service.

What is so interesting in engaging Federal employees and U.S. Postal workers for multiple decades, now, is the singular and unassailable fact that is contrary to the misperception held by the general public:  Federal employees and U.S. Postal workers are among the most dedicated of workforce servants, putting in long and uncompensated hours beyond what they are required, and never wanting to take the “exit option” but for the chronic and severe nature of a rising and debilitating medical condition.  And, how many who obtain a Federal Disability Retirement annuity go on into the private sector and “pay back” into the very system from which they are being compensated the Disability Retirement annuity?  Many, if not most.

Without the benefit of Federal Disability Retirement, many would struggle and ultimately lose the battle either with the agency or the Postal Service, or with the medical condition itself.  Even with the benefit of a Federal Disability Retirement annuity, the pay is not so enticing as to encourage any mass exodus via the vehicle of a Federal Disability Retirement benefit, and it is only because of the progressively deteriorating nature of a medical condition that finally impels and compels the Federal employee or U.S. Postal worker to take that exit option, and to seek to reach a plateau of rehabilitative serenity such that a further career or vocation in the private sector could be possible.

In the end, like enemies in a fierce firefight, the importance of seeing a way out is just as relevant to the Federal or Postal employee who suffers from a medical condition, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, as it is to the kamikaze warrior who tightens the band of fate by an emblematic headscarf in preparation for the final battle.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The Trinkets We Hold Dear

If value of item determines retention of possession, then few trinkets would survive the test of economic viability; but a quick perusal of one’s home will often discover large caches of sentimental liabilities strewn throughout.  What determines value, then?  Is it the monetization of an item?  Or perhaps the psychological attachment, combined with the economic forces in capitalism of supply and demand?

Real estate values soar and plummet daily, and when one considers the “high end” fluctuations where market reductions may comprise differences in the millions, one wonders about “true value” and “false valuations” of goods and services whether small or large.  If you go through your house and begin to account for the trinkets we have amassed, is it because of the monetary value attached that we continue to retain it, or the memories and golden threads of psychological ties which bind?  Is it not often the same with other issues in one’s life — of even friendships, pets and jobs?

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition begins to prevent one from performing one or more of the essential elements of one’s positional duties, the question one needs to ask at the outset is:  Why are we holding onto this trinket for dear life?  Is it really worth it?  At what cost?  What are the ties that bind?

Filing for OPM Disability Retirement is always a traumatic event; for, it is a dramatic change, often within a context of caustic and hostile circumstances.  But to remain is rarely an option; to walk away with nothing is not a wise one; so, one is often left with the best alternative possible:  to prepare, formulate and file 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.

And like the trinket which holds one bound to memories of yore unblemished in their reflective delights of past warmth, they remain so, like the pitter-patter of a soft summer day’s cloudburst, stopping only to reveal the misty haze of a childhood dream.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: Mastery of Life

It is what we all strive for; as depicted in cult followings and media outlets, it is a state of representation attained through travels to the Himalayas, or after years of struggling in a Zen monastery (and engaging in Tai chi battles with inept masked ninjas) and gaining unexplainable enlightenment (why couldn’t the same happen in the living room of one’s own home?).  The truth is, the mastery of life is merely a mundane affair.

It is where one finds a rhythm within the daily obstacles of life, when recognition of distinguishing between a real “crisis” and an irritating problem is quickly resolved; and how bumbling through problems encountered in youth is replaced by smooth sailing with unruffled feathers in meeting obligations, confronting difficulties and engaging the monotony of daily living.

In the West, just when such a state of quietude is reached, society discards it all and favors youth over the aging, incompetence over experience, and slow but steady progress over fresh “new ideas” (which never are, but the discovery of which young people think they have been the first to encounter, as if the wheel on one’s car is an invention recently revealed).  This disregard and (ultimately) disrespect is magnified when a person is beset with a medical condition — precisely because being hit with a medical condition mirrors how treatment of the aged facilitates, but only at an exponentially quickened pace.

For Federal employees and U.S. Postal workers who suffer from a medical conditions, such that the medical condition begins to impact the performance of one or more of the essential elements of one’s positional duties within the Agency or the U.S. Postal Service, this phenomena becomes a daily occurrence.

For years, we accumulate and derive the experience of plenitude and glean through trial and error, attaining a state of wisdom aggregated within the confines of one’s skull, with a loci traveling from home to desk, then back home again.  When a medical condition impacts the Federal or Postal employee, one would think that a race would be on to preserve that body of knowledge, to contain it (as in futuristic movies) with aldehyde fixation in gentrified forms of cryonics in order to reserve unseen answers to unforeseen circumstances, all for the benefit of the “mission of the agency“.  But no — that is not what occurs.  Instead, for Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition impacts one or more of the essential elements of one’s job (but normally not all), the tired routine is of commonplace doldrums of ineptitude and incompetence:  “get the bum out”.

For the Federal or Postal employee who suffers from a medical condition, and further suffers the fool resulting from that medical condition, filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether one is under FERS, CSRS or CSRS Offset, is often the best avenue away from the madness of disregard.  But, then, perhaps we all have it wrong; perhaps filing for Medical Retirement through OPM shows and reveals that “mastery of life” we all seek, like the Shaolin Monk of yore who sought enlightenment elsewhere, and attained it within.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement and the Price of Loyalty

Salinger’s character, Holden Caulfield, recognized the influence of movies, and the media in general.  When used as a tool for political purposes, they mold and direct the issues to be discussed, the pathways of thoughts to be taken, and the passions to be experienced.

Though we think we are libertarians within the secluded confines of our own minds, what actually occurs is that we fail to recognize the subtle influences of those forces which we rely upon so much for our daily focus and guidance.  Where did we learn such high-minded concepts such as “loyalty“, “commitment” and “dedication”?  And who taught us to apply such vaunted paradigms upon the stereotypes of our lives?

For Federal and Postal employees who suffer from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s positional duties in the Federal agency or the U.S. Postal Service, often the one stop-gap measure preventing the Federal or Postal employee from taking the necessary and pragmatic steps in preparing an effective Federal Disability Retirement application is in clinging to a false sense of misdirected loyalty.

Loyalty requires a bilateralism which simply does not exist, or exists so rarely as to be inconsequential, but which pervades with Federal and Postal Workers under the guise of “mission of the agency”.  Such false pretentiousness (and pretending) quickly dissipates when that mission of the agency becomes a proposal to remove based upon the mission’s “other” sidebar — for the “efficiency” of the service — and then it becomes an emergency and a time of enlightenment.

Throughout all of those years, loyalty was lauded, but existed as a one-way street — from the Federal employee to the Federal agency, and not the other way around.  But when a medical condition hits, it is of paramount importance to focus upon the singular entity of significance:  the health and well-being of one’s self.

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management may be one of those necessary steps required as part of that process of self-care, and one should be wary of paying too high a price for that overinflated commodity listed under the category of “L”, which also includes “Lies” and “Lip-service”, as well as “Loyalty”.

Sincerely,

Robert R. McGill, Esquire