Medical Retirement under FERS & CSRS: Reference points

They are the connections by which a society maintains a fabric of commonality, whether by myths, narrations of stories handed down, religious knowledge or books and movies.  It used to be that the “Good Book” was the mainstay of the reference points, so that when a person referred to having “eaten the apple”, for a simple example, one immediately knew that the reference points between a sin committed and the origin of that sin had a commonality within a woven fabric of a community’s awareness.

Similarly, people used to refer to books – of classics and works which were generally read and assumed, and when a person made a literary reference in the course of a conversation, it was not to be presumptuous of one’s education or knowledge, but as a “reaching out” in order to establish a membership in the fabric of the greater community.  The expansion of choices, the division of classes within a society, and the fraying of that greater fabric of a society’s common interests – they are all indications of a disintegrating civilization.

Reference points were once assumed; today, they have become rarer; and as the younger generation moves on in concentric circles of technological advancement that become lost in the self-absorption of self-promoting images on Internet-based social forums, so reference points become less common except within the self-contained genres of Facebook, Instagram and Twitter feeds.

Of course, there have always been problems with various reference points – one being the reference point of a medical condition.  For, a person with a medical condition has the private reference point of pain and suffering, and the long stays at a hospital, or the constant visits to the doctor’s office – reference points that few at the office ask about, let alone know about in any detail that would bring about any sense of empathy.

Federal employees and U.S. Postal workers are often the greater culprits of maintaining private reference points, because they continue to push themselves through the pain and agony of a medical condition without complaining, and so there is very little reference point by which coworkers can offer sympathy, empathy or any help at all.

Fortunately, 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, does not need any reference points, other than the legal criteria by which one must meet the eligibility reference point.  For, ultimately, the final reference point that the Federal or Postal worker needs, in order to prepare, formulate and file an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, is the one that establishes that the Federal or Postal employee is no longer able to perform one or more of the essential elements of one’s Federal or Postal job, and that is the only reference point that matters.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Things not likely to happen

It is not likely that tomorrow morning you will wake up and find that aliens have taken over the earth (although, if one were to read various supermarket tabloids, that has already occurred many times over, both while asleep and awake); it is not likely that you will win the lottery with that last dollar spent on running a random set of numbers (though millions each day shell out astronomical sums in the aggregate with dreams – and sometimes actual plans reflected upon – of what one will do “when” the improbable event will happen); and it is not likely that the email received the other day from some banker in Burkina Faso who wants a “trusted friend” to allow for a transfer of a cool $100 million and would allow you to keep half of it just because you happen to be the only person in the universe who has a bank account and can keep a secret, will actually honor such a request.

Nevertheless, people actually consider such fantasies, and to the detriment of those who do so with serious intent, harm themselves either by delaying what could be done, setting aside the reality of what needs to be accomplished, and turning over valuable time to endeavors not likely to happen.

Often, and unfortunately, medical conditions have that same characteristic – of things not likely to happen.  It begins by happening – of a medical condition that should not have been, or is seen to be “unfairly” targeting a particular individual, and a period of disbelief ensues where the question is, “Why me?  Why not the other guy, instead?”  Then, once the phase of acceptance comes about, one begins to adapt, compromise the levels of acceptability and quality of life, and modification of expectations surely follows soon thereafter.  Then, one hopes, prays, angrily shouts to the heavens or otherwise with quiet resignation begins to ruminate – yes, the medical condition may be unfair, but so is the lot of life we all live.

And the principle of things not likely to happen applies to Federal employees and U.S. Postal workers who need to prepare, formulate and file for Federal Disability Retirement benefits, as well, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.  For, the things not likely to happen includes: The medical condition will just go away; the Federal agency or the U.S. Postal Service will just let things slide and be very understanding; the Federal agency and the U.S. Postal Service will actually accommodate your medical condition; the Federal agency or the U.S. Postal service will find you another job at the same pay or grade; the Federal agency or the U.S. Postal service will grant SL, AL or LWOP in unlimited amounts so that you can attend to your illness or medical condition; and the Federal agency or U.S. Postal Service will show empathy, sympathy and understanding and make you feel “welcomed” while you endure one of the most difficult periods of your life.  Not.

Sincerely,

Robert R. McGill, Esquire

 

 

Federal Employee Disability Retirement: The limited reservoir

What if the reserve is limited, but we are never informed of it?  Perhaps the gods, fate or however the source of creation is defined, has placed a quota upon the extent of that which is expended, but we are never included in the corporate decision-making process – then, what?  Death, insanity or just plain debilitation and stoppage of activity; is that what we call “an unfortunate end”?

By “reservoir”, we normally mean that natural or artificial accumulation that is used for a specified purpose – the town’s water supply; a special cache of good wines; or perhaps, even that sixth player who is left sitting (a temporary “bench warmer” – though, perhaps in this climate of everyone being nice to each other, such terms are no longer considered appropriate) aside until a burst of fresh input is needed.

Concurrently, we expect that any depletion from the cistern is consistently replenished, except during periods of extreme droughts when we are forced to systematically make use of it with the justification that it is that for which we reserved it in the first place, and when times are better, we will take care in replacing that which seemed limitless just an eon ago.  And, why is it that when the main tank has been completely re-filled, we have a tendency towards excess and lavish spending, but when we hit the “reserve” indicator, suddenly we act with frugal caution and become responsible conservationist?

Is it because of our hereditary backgrounds as hunters and gatherers during a time of unknown and tenuous circumstances, when bodies hungrily stored fat in order to survive during those times of want and scarcity?

What if we are left with a limited number of words in life, and once expended, we become transformed into unnoticed mutes wandering across time, traversing the silence amidst others who have saved their reserve for future accessibility?

Life often “feels” like that – of having reached a point of depletion where the quota has been reached, the reservoir has been emptied, and the excess energy expired.

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 one’s Federal or Postal position, it often seems as if the reservoir needed in order to reach that golden mark when retirement age and cumulative years of Federal Service coalesce to allow for passing across the proverbial “finish line”, has been too early depleted.

Unfortunately, medical conditions hasten the reservoir of time, energy, patience and capacity to withstand the daily toil of workplace stresses and employment concerns, and there is often a need to access an alternate source of supply.

Federal Disability Retirement allows for that; it is a means to recognizing that the reservoir is limited, and that the medical condition has reached a critical point where replenishment is no longer an option.  Yet, even after a Federal Disability Retirement is achieved, the Federal and Postal worker can go out into the private sector and remain productive, and under the law, is allowed to make up to 80% of what one’s former Federal or Postal position currently pays, and still maintain employment and receive the annuity.

For, while the reservoir of one’s life and talents may indeed be limited, it is the limitation of self-imposed stubbornness in refusing to acknowledge that the medical condition has reached a critical point, that often defeats and depletes long before the fuel gauge indicates a warning light of that ever-blinking “danger” point.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Lawyer: At What Cost?

The introduction of the “cost-benefit analysis” (CBA) by the French (who else?) is a quantitative approach in determining whether to go forward with a given project.  There are other approaches, of course, but the popularity of such a utilitarian paradigm is especially attractive to Americans, precisely because it allegedly places a determinable value upon the project, endeavor or issue in question.

But not everything in life is quantifiable in monetary terms; and while the CBA approach can take into account complex factors and assign methodologies of evaluating such that otherwise unquantifiable terms can be converted into numbers, the question still comes down to a simple issue of self-reflection:  Is it worth it?

For Federal employees and U.S. Postal workers who have a medical condition, such that the medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s positional duties, a cost-benefit analysis is often taken with a singularly stark question:  Can I survive on the annuity proposed by statutory authority?

But this often ignores a parallel query, just as stark and similarly singular: What other choice is there?  If the medical condition arose as a matter of a work-related incident, certainly the Federal or Postal employee under FERS, CSRS or CSRS Offset should file for OWCP/DOL benefits; but even then, Worker’s Comp is not a retirement system, and there will likely come a time when it is still necessary to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management.

The unquantifiable factors in any CBA are those more personal, intangible issues which we rarely desire to face:  What will happen if I ignore the present course of settings?  If I continue to work with my medical condition and somehow reach retirement age, what kind of shape will I be in to enjoy my “golden years”?  Will the agency tolerate my reduced productivity, and what will their next move be?

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management is never an easy decision, and should not be taken without a thorough and self-reflective analysis; but it is often an approach tantamount to negative-theology which will bring out the true answers to a dilemma — of what will result if one does NOT do X, as opposed to a quantification of values — and provide the necessary framework for a future reference of positive closure to a human condition which always seems, at the time and moment of suffering, to be a calamity beyond mere dollars and cents, and for which the famous Utilitarian Philosopher, John Stuart Mill noted, that actions are right “in proportion as they tend to promote happiness.”

Sincerely,

Robert R. McGill, Esquire

 

Another similar article previously published: Federal Disability Retirement pros and cons