OPM Medical Disability Pensions: The Life We Lead

The life we lead may not be the one we chose; or, more likely, the life we “now” choose to lead — if we even have a choice.  One might argue that we always have a choice; the only real question is:  Are we willing to pay the price for the choices we make?

Often, we fall into things.  Human beings are complex creatures; the person we were years ago rarely is identical to the “now” of that individual.  Perhaps that explains the divorce rate in this country; of commitments encompassing “till death do us part” are rarely embraced, anymore.

And the choices which are out there make for compounding effects when it comes to the life we lead.  Decades ago, society imposed greater structural restrictions:  School teachers who were found to possess any tinge of moral turpitude would be dismissed and disgraced; heads of companies who divorced were summarily terminated; and those thought to hold rather unconventional opinions were shunned and often isolated.  Is this a good thing?

The perfection of a median — a point “in between” the two ends of a spectrum of excesses, or often referred to as the Aristotelian view of a good life — is often the balance to be sought.  The life we lead is, too often, solidified by the youthful indiscretions of excesses embraced in youthful vigor; whereas, in later years, regret tends to soften our extravagant early years.

For Federal employees and U.S. Postal workers who have come to a point in later life, where the Civil Service job which once required extreme energy, daily commitment and a stark challenge to even the healthiest of individuals, but now, in later life, medical conditions have reached a critical juncture where they are no longer compatible with continuation in that job — it is perhaps time to consider preparing, formulating and filing an effective Federal Disability Retirement application through the U.S. Office of Personnel Management under FERS.

Contact a FERS Medical Retirement expert, that is, a U.S.-licensed attorney who specializes in the practice area of Federal Disability Retirement Law, and consider the life you lead and want to lead — now.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

OPM Disability Retirement Benefits: The Trick Question

There are many.  In the media, it is often described as the “Gotcha” question — where the reporter springs upon the unwary target a query which cannot be answered without placing one in a negative light.

Or the lawyer’s cross-examination barrage beginning with, “So, Mr. so-and-so, Yes or No — did you ever stop beating your wife?” (Such a question, of course, is rather laughable and should be immediately objected to; but the “fun” of the question is that the answer becomes a quandary: If you answer, “Yes”, it means that you are admitting to beating your wife but that you merely stopped at some point; if you answer, “No”, it means that you continue to beat your wife.  Either way, you have shot yourself in the proverbial foot).  And there are many others — of “trick” questions to get you into the proverbial hot water.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition prevents you from performing one or more of the essential elements of your Federal or Postal job, the Standard Forms contain many and multiple trick questions.  They may not be intended to actually trick you, but the manner, form and content of your answer may become problematic in the way in which they are answered.

Contact a Federal Attorney who specializes in Federal Disability Retirement Law and make sure that the “trick” question doesn’t do what it is meant to do: To trick you into answering it in a way which you don’t intend to, or otherwise shouldn’t need to.

Sincerely,

Robert R. McGill, Lawyer

 

FERS Disability Retirement Benefits: Troubled Life

Is it a redundancy and a tautology to put the two words together?  For, one may assume that every life is “troubled”, and everything in the universe that is troubled involves a “life”.  So, if one concept necessarily entails another, why do we even have to bother to explicitly point out the co-dependent concept?  Thus would one say if you hear the word, “Life”.  Oh, then it must be troubled.  Or, if you heard someone mention that there was “trouble” in such and such a place, you would merely add, “Oh, yes, there must be a live person there, then.”

Of course, one could argue that the reason why we must clarify one concept with another is because (A) A different and separate concept can also be attached to the other word and (B) It is not necessarily so that an if-then conditional exists — meaning thereby that there are, arguably, “untroubled” lives as well, as least for brief moments in the life of an individual.  As one pastor was heard to say long ago, however: “Where there are people, there are problems.”  True enough.

To live a life for any length of time is by necessity to encounter problems and troubles; for, that is the nature of human existence.

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 job, “trouble” becomes exponentially pronounced because of the impact upon one’s life that a medical condition necessarily brings.

Filing a Federal Disability Retirement application under FERS, of course, can often mitigate the trouble and help one live a life that is less troubled, by allowing the Federal or Postal employee to focus more upon one’s health and less upon the adversarial nature and friction which arises from one’s inability to perform all of the essential elements of one’s Federal or Postal job.

Consult with a Federal Disability Retirement Attorney to discuss the possibility of preparing, formulating and filing an effective Federal Disability Retirement application under FERS, and see whether or not “trouble” does not necessarily have to entail “life”.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Employment: The precarious self

Self-preservation is said to be high on the list of instinctive survival mechanisms – that which society cannot “un-learn” because of the inherent nature of such evolutionary entrenchment of DNA-coded characteristics.  It used to be that, whether in the mythical “State of Nature” as advanced and envisioned by Locke, Hobbes or Rousseau, or the more fossil-based models as posited by anthropologists, the individual who was widely considered as a precarious survivor was quickly extinguished from the gene pool either though acts of foolish daring or by neglectful carelessness.

Survival was, until recent times, always high on the list of priorities.

In modernity, we rarely even consider it, and that is why we cringe with disbelief at horror stories of sitting placidly in a café or restaurant when suddenly innocent bystanders are being shot at, or become the victims of an explosion where shrapnel and other ravaging debris aim at the human flesh – not for predatory hunger, but for mere destruction and devastation.  Laws become enacted and govern safety; mechanisms are put in place to prevent industrial accidents or massive catastrophes impacting a wide swath of population centers; these are all, in modernity, for the most part, avoided and of rare occurrence.

Thus, the precarious self has become an irrelevant concern, or not at all.  The incommensurate dilemma of an individual being lost in his or her own thoughts as he walks upon a den of wolves out to find and devour dinner, is not of a major concern; perhaps, the closest we may come to in considering the precarious self is of a person lost in thought who crosses the street without looking for oncoming traffic; but, even that, the new technology arming every vehicle with sensors which automatically prompts the braking systems are attending to that potentiality, as well.

It is, in the end, more in the arena of making mistakes, proceeding in ignorance and creating circumstances of irreconcilable self-destructiveness, that the concept even becomes applicable or comprehensible, in these days.  For example, in preparing a Federal Disability Retirement application by a Federal employee or a U.S. Postal worker, does the Federal employee or Postal worker know enough about “The Laws” governing Federal Disability Retirement in order to proceed successfully?  Have you spent enough time to familiarize yourself with the statute, the case-law and precedents of recent import in order to successfully maneuver your way through the administrative process?

This is, whether one likes it or not, a highly bureaucratized universe, and the ability to avoid the precarious self often requires a great amount of investment of one’s time, energy and concentrated focus upon the details of daily, unavoidable complexities.  Preparing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, whether the Federal or Postal employee falls under FERS, CSRS or CSRS Offset, is something that requires avoidance of the precarious self, at a minimum; and, more than that, to maneuver around the precarious “others” as well – including the U.S. Office of Personnel Management.

Sincerely,

Robert R. McGill, Esquire

OPM Disability Retirement for Federal Employees: The compromised life

We all make them, though we deny it.  Iconoclasts scorn it; the extremes of either side scoff at it; and, in the end, it reflects the reality of who we are, how we live, and by what vaunted principles we purportedly possess.

On a theoretical level, it is easy to remain the stalwart – that singular entity standing on principle and commitment.  The one who has never experienced war – to express beliefs of “courage”, “unwavering loyalty” and blind bravery declared in wrappings of the flag and national identity.  Or of fidelity and traditional values despite personal shortcomings of multiple marital infidelities and 3 or 4 marriages, with the devastation of a trail of longing children with a hole in each heart, wishing that principles could be exchanged for a single memory of playing catch on a summer’s day.

If you are sequestered whether by wealth or capacity to ignore, it is easy to shout out principles; but, then, when the test of life intrudes, the failings of reality reconstitute an extraordinary hypothetical into a quivering crumbling of an ordinary person.

Ordinariness is certainly rarely looked upon as the paradigm to follow, and the argument often goes:  You never want to dumb down deviancy (Moynihan’s famous phrase extrapolated from a generation or two ago, lost forever by events of social and cultural turmoil hence), and so, even if no one actually lives like the pinnacle of beautiful thoughts and voices stated by writers, essayists and politicians (who themselves bifurcate “personal conduct” from the espoused rhetoric emitted from hollow mouths with a dead-panned look of seriousness), the common masses are admonished by rebukes of being responsible for the “cultural rot” that dissipates throughout.

Reality has a way of compromising the apex of beautiful words, paragraphs, pages and entire narratives of a singular life.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition may be preventing the Federal or Postal worker from being able to perform all of the essential elements of the position occupied, the concept of a compromised life is now a reality.  For, the sequential perspective of what is expected – of continuing until retirement age a career fulfilled, with regular promotions and deserved merit pay – may need to be ‘adjusted’ in accordance with the reality of life’s impositions.

Having a compromised life and accepting the compromises of life’s misgivings is not a sin, nor a diminution of one’s principled belief-system; instead, in preparing, formulating and filing a Federal Disability Retirement application through the U.S. Office of Personnel Management, it is merely a recognition that theoretical foundations were always meant to be modified, and those speechifying vanguards of social commentators never meant the fulfillment of their own words, anyway, and it was always the compromised life that reflected the reality of the boorish insistence that we were angels and gods unknown.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Medical Retirement for Federal Employees: Illness

It is the pause button rendered by the universe, often without warning, without invitation and unwelcomed by all.  Is it the gods laughing in the heavenly seclusion, as wanton children playing with the mortality of souls unrequited, as matches in the hands of mischievous hearts undisciplined by law, life or empathy?

Then comes the triteness of wisdom, yet true but too late: “Oh, what a blessing health is”; “Is there a lesson to be learned?”; “Why me?”.  Is this the crisis of life that is merely an obstacle to overcome, or the long road towards a progressive decline where mortality is not just tested, but revealed as the weak link in the proverbial chain of man-to-gods-to the theology of our own creation?

Illness comes like that unwitting thief in the dead of night, but unlike the burglar who tries to remain silent but for creaking floors and unoiled passageways, it comes without concern for being revealed.  Does the universe test – or remain impervious like Aristotle’s Unmoved Mover, where perfection attracts all towards its essence and destroys everything that attempts to escape?  Who determines the criteria of such a test?  What constitutes a “passing grade” as opposed to a failure in its mere attempt?  Is the evaluation contained within the strength of one’s own character, and what results in a declaration of “success” as opposed to the failure of everyday lives?

If it is truly a test of character, then Federal employees and U.S. Postal workers certainly get enough of it to collectively get a passing grade.  Yes, fortunately, there is the option of filing a Federal Disability Retirement application, but for almost all Federal employees and U.S. Postal workers, the reality is that such a step is the last option chosen.

It is not so much that the benefit reaped from a Federal Disability Retirement is so miserly as to not make it worthwhile; no, to a great extent, the annuity of 60% of the average of one’s highest three consecutive years of pay, then 40% every year thereafter until recalculation at age 62 is generous enough to survive upon, especially when the alternative is to remain and kill oneself, resign and walk away with nothing, or file for Federal Disability Retirement benefits; and, in conjunction with the ability to go out into the private sector and be able to make (on top of the Federal Disability Retirement annuity) up to 80% of what one’s former position currently pays – it can lead to an acceptable level of financial security.

Ultimately, however, it is a truism that Federal employees and U.S. Postal workers wait until the final possible moment before making the decision to file a Federal Disability Retirement, often allowing the illness to debilitate beyond the point of reasonable acceptance.  That, in and of itself, is a character test, and one that makes the illness itself of secondary concern, when one’s health should be given the highest priority, lest we allow the gods of wanton carelessness to have the last laugh.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement for Federal & Postal Employees: Alone

We enter into this impervious universe in such a state.  Yes, yes – there are parents surrounding, love embracing and doctors, nurses and hospital attendants with smiling faces and all of that; but being alone is conceptually distinct from loneliness, and one can be surrounded by a multitude of social acquaintances, family members and close and distant relatives, and still bear the weight of the latter, and yet know throughout that one is nevertheless alone in this world.

One realizes and comprehends that proverbial synergism of that special  “soul-mate” – that special person that the angels sprinkled with the magic of being in a parallel universe of identical comity; or of those special twins who possess an unmatched oneness beyond rational explanation; but, besides such special circumstances and almost mystical exceptions, most of us are alone in this world.

Aloneness goes beyond the human activity of busy-ness; beyond family gatherings and social upheavals of friendships, conflicts, domestic arguments where heartbreaks cutting to the essence of a soul is preferable to sitting in the darkness at the end of the day in a rhythmic rocking chair squeaking away the unscratched surface of a cold marble floor.

We arrive in this world alone; travel through it with companions rarely and barely recognizable; and become decrepit with medical conditions in some unvisited corner of antiseptic-smelling hospital wards where visiting hours are never breached because loneliness knows not the ticking of a clock where blank stares of aged men and women embrace vacantly the timelessness of human frailty.

For Federal employees and U.S. Postal workers whose careers may need to be cut short because of a medical condition, you know well the concept of being alone:  of a Federal Agency that sees you merely as a fungible component that needs to be quickly replaced and filled; of a Postal worker whose decades of allegiance and loyalty are disregarded because of an injury, a debilitating medical condition or a chronic and progressively deteriorating illness.

Preparing, formulating and filing an effective Federal Disability Retirement application will not necessarily abate the sense of being alone, but it will provide a pathway of attempting to reach a plateau in life where the future becomes somewhat more stable, the present becomes clearer and focused with greater definition, and that impervious universe from whence we arrived may somehow provide a heightened sense of worth, and loneliness is disconnected from the reality of being alone.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Medical Retirement for Federal Employees: Age

It is only that proverbial “state of mind” for those it does not impact; then, when reality sets in, the decrepit bones and uncooperative muscles, inability to will the stamina to rise to the occasion, and the creaking temerity of organs unable to muster the vitality of even a decade ago, we submit to the currency of our own destiny.

We can scoff at it; deny it; attempt to defy its residual consequences; and even remain indifferent to its effects; but in the end, mortality demands a say in the matter, and age is like the ravages of time and the echoes of a haunting flaw:  inescapable and unwavering, it creeps up and declares its prominence at the head of the table.  Some feel the effects well before the standard time; others attempt to revolt and rebel until the impervious universe indifferent to human incantations of defiant ineffectiveness simply ignores the pleas of hopeless tumult.

Age comes upon us like that undeniable thief in the night, burglarizing the last remaining hope and hint of a better tomorrow.  Of course, the connotation can be twofold or more:  Of the linear quantification from birth to the present, counting in solar years and seasons of rotational inevitability; or, it can denote a state of moving beyond the halfway point and into the pendulum swing of destiny evidencing man’s mortality.  There are, of course, other meanings – of a certain epoch or period; uses like, “coming of age” or applying it to various methodological interests in placement within a period of history.

For Federal employees and U.S. Postal workers who are contemplating preparing a 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, the relevance of the term is multitudinous:  Age in terms of eligibility towards regular retirement; how old, but more importantly, can one continue until retirement age, or will the ravages of time, medical conditions and deteriorating workplace environment lead one to such a decrepit state that to continue on would merely evoke a devastation of any future hope of enjoying retirement at all?

For, when the stated age of one’s linear presence in this universe is far less advanced than how one feels “health-wise”, and the hollow look of hopelessness prevails where the future is merely a black hole of bleakness, another turn of pain and suffering, and no amount of “positive-thinking” will brighten an otherwise dismal perspective, then what would be the point of continuing to struggle just to meet the linear statement of age, but have no joy left to reap its benefits promised?

Preparing an effective Federal Disability Retirement application, to be submitted to OPM, is an option to consider, when age cannot be prolonged to meet the eligibility requirements for regular retirement, and the body, mind and soul are screaming out that one’s career has come to a point where age is no longer a factor in considering whether or not the essential elements of one’s positional duties can be met – instead, the proverbial dawn of an age forthcoming requires that something must give, but age is simply an echoless march of time that hears not such cries of rebellion or protest.

Sincerely,

Robert R. McGill, Esquire