Tag Archives: retirement annuity plans for disabled fers and csrs government employees

OPM Medical Retirement: The Line Between Sanity and Madness

Is it demarcated by a thin line, or is it more likely that the gradual, insidious transformation was fraught with all sorts of signs and indications, but we merely ignored them?

Was the rise of the Third Reich a surprise — or was it an inevitable consequence of the punitive Treaty of Versailles?  When Russia warns of the possibility of a Third World War and use of nuclear weapons, and our response is that such talk is merely “bluster” — is this not the road from sanity to madness?  How do we know, definitively, that it is mere “bluster”, and isn’t the margin of error so thin when it comes to nuclear war, that we should never underestimate any reference in the use of such terms?

The line between sanity and madness is thin precisely because we fail to recognize the signs and symptoms which separate the two.  One day, an apartment building stands tall and by all appearances, sturdy; the next, it is a pile of rubble where flesh and bone have been crushed and pulverized.

From sanity to madness; but what about the signs which revealed themselves, perhaps for a decade — of complaints of shifting, of growing cracks in the walls, of eerie “groaning” noises in the middle of the night; and then, one day, the building collapses, or the bridge falls down…or someone drops a nuclear bomb on a city.

For Federal employees and U.S. Postal Service workers who suffer from a medical condition such that the medical condition has now become a state of madness — where it becomes clear that the prior state of commonplace sanity is no longer feasible — it is best to contact a disability attorney who specializes in Federal Disability Retirement Law, and begin the process of putting your life back together by reassessing what it will take to recreate that thin line back behind the line of sanity, by preparing, formulating and filing an effective FERS Medical Retirement application, to be submitted to the U.S. Office of Personnel Management.

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.

 

FERS Disability Retirement from OPM: Words Mean Something

Clearly, they do.  It is a necessary tool; a means of communicating; without them, we lose the ability to function in a society.  The loss of meaning comes about because we fail to use our discretion.

In a vibrant society, it is always good to try new applications, accept new words and meanings derived from other cultures, and to embrace the richness of cross-cultural usages and applications.  But precision of meaning is another matter.  Precision and proper application, done in a manner which refuses to be superficial or flippant, is important in maintaining the importance of words, their meanings, and their conceptual boundaries.

When we loosely use language in a careless manner, it diminishes the precision required of a culture.  Words, in order to retain their proper meaning, must be used to mean something; and it is the obligation of each person to attempt to use some sense of discretion in utilizing the important tool of communication.

For Federal employees and U.S. Postal workers who suffer from a medical condition and must by necessity file an effective Federal Disability Retirement application under FERS with the U.S. Office of Personnel Management, be fully aware that a FERS Disability Retirement application is a paper presentation conveying information, arguments and data through words which mean something.

How an application is prepared; what phrases are used; what meaning is meant to be conveyed — they all comprise an effective (or ineffective) Federal Disability Retirement application.

Contact a disability attorney who specializes in Federal Disability Retirement Law and begin the process of making sure that your words actually mean something.

Sincerely,

Robert R. McGill, Lawyer

 

OPM Disability Retirement under FERS: The Advocate

It is the ability to see things that you may not; of knowing the laws that apply, the arguments which will work, the evidence to be submitted; these, and many more, make “the advocate” worth the price to be paid.  Certainly, expenses have to be considered, but as the old adage goes, “You get what you pay for”, and you need to be careful in considering what is included.

When you call the office which you are considering as your “advocate”, does someone call you back fairly soon after leaving a voicemail?  Do you get to speak to an actual lawyer — the one who should be working on your case, or do you — instead — only speak to a paralegal or someone who claims the title of, “Disability Specialist”?

What, in fact, is a “Disability Specialist”?  If not a lawyer, then no amount of “specialty” in the field makes a bit of difference.  Who will be working on your case?  Will your case be sloughed off to some clerk or “legal specialist”, or will you actually be getting what you think you are paying for — an attorney who specializes in Federal Disability Retirement Law?

For Federal employees and U.S. Postal workers who need to file for Federal Disability Retirement benefits from OPM, contact Robert R. McGill, Attorney at Law, and be assured that he himself, and not someone else, will be working on your case.  He will, indeed, be “The Advocate” who will fight on your behalf.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement under FERS & CSRS: The option of nothing

The path of least resistance is often to simply do nothing.  To make an affirmative choice is sometimes a painful one involving sacrifice and steps taken which will determine an outcome, later to be judged by retrospective insight, as to whether it was the “right” one or a “wrong” one.

To negate, refute or otherwise do the opposite, and to say “no” in the choice-making process, is also an “affirmative” one, if only in the negative sense.  It is still a call made, a judgment asserted, and while the “no” may not be able to arrive at a retrospective viewpoint as to whether it was the “right” one or the “wrong” one (precisely because, in the very negation of making a choice, one may never see any further consequences, but merely a nothingness that prevails from the option to not do that something, which is essentially a double-negative that results in nothing).

The worst option to assume is to allow lapse to occur – to do nothing, neither affirmatively nor negatively, and allow outside circumstances to determine the course of fate.  In taking such a path of least resistance, two things occur: First, you have left it in the hands of circumstances, and failed to take any affirmative steps in the allowance of lapse; and Second, the fact that you will never know it was a good or bad idea to allow for the lapse means that you have forsaken the entire decision-making process, and thus you disengaged yourself from the importance of life’s major participation.

For Federal employees and U.S. Postal workers who are considering 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, the Statute of Limitations that imposes a restriction upon post-separation filing is One (1) Year.

Thus, the law is as follows: Upon separation, whether by termination or resignation, of a Federal employee, that Federal employee has up until 1 year to file for Federal Disability Retirement benefits.  If the Federal employee files for Federal Disability Retirement within 364 days of the separation from Federal Service (give yourself at least 1 day, just to be on the safe side), then no harm is done.

If the Federal or Postal employee determines not to file (i.e., a negative – affirmative decision), then so be it, and after the 365th day, that Federal or Postal employee is forever prevented from asserting his or her rights under the Federal Disability Retirement laws, acts, statutes and regulations.

If the Federal or Postal employee simply does nothing – neither making an affirmative or a negative decision, and simply allows for the time to lapse and the opportunity to pass – then the path of least resistance has been taken, with the opportunity to engage in the decision-making process forever lost.

Sincerely,

Robert R. McGill, Esquire

 

Legal Representation on Federal Disability Retirement Claims: The smile

Some say that dogs don’t do it, but dog-lovers know better.  Cats certainly do, but with a slyness that betrays sincerity; and chimpanzees, hippopotamuses and elephants.  Birds cannot because of the rigidity of their beaks; and squirrels, certainly, with their flitting movements as they run joyfully across lawns and up treetops where nuts galore await their anticipation of delight.  But of human beings; we all engage it, but whether with sincerity or to conceal, that is always a question that needs pondering.

The eyes often tell all; as Plato and others have described it in metaphorical terms, the window to one’s soul; and so one may walk about and force upon the watching world the curl around one’s lips, but the vacant stares or the look of pain, the distant eyes that betray the insincerity of the smile will often manifest the anomaly of what the expression means.

Only human beings can portray the opposite of that which is natural.  For, with animals (and yes, that includes dogs, as well, despite what the so-called “experts” say) the smile is just that – an expression of the facial features that impresses upon the world that happiness, contentment and a tummy rub (i.e., for dogs) produces the effect that naturally comes about – the smile.

For humans, however, it may be to conceal; of the smile that says to the world, yes, I am happy by all appearances, so leave me alone and allow me to wallow in my own secretive misery.  Or, the expression on the face that curls the lips just before the smiling face stabs one in the back.  Or, in a group of people where everyone is talking and smiling, you spot across the room the person who is also smiling, but still you wonder, for the eyes don’t quite match the curling expression.

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 worker from performing one or more of the essential elements of the Federal or Postal job and position, the smile that conceals is often the one that is worn day in and day out – to conceal the pain, to hide the truth, to cover the anguish.

One cannot be genuine and continue on in life if the inner turmoil does not match the outer reality of life’s living.  It may be time to prepare an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management, if only to have the smile on one’s face return where the genuineness of the expression matches the reality of one’s situation.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement Benefits: The legacy

It is something that we leave behind.  Yet, unlike a wallet, a watch, a piece of jewelry or a troublesome child better left forgotten, we don’t have an opportunity to go back and get it.  We say of that laundry list, “Oh, I need to go back and get it” (except maybe of the last in the list, whom we hope will be adopted into a kindly family and simultaneously also leave the parents behind); but not of the legacy.

No one ever says of that, “Oh, I left my legacy behind, and I need to go back and get it.”  Instead, it is intimately bound up with mortality, our sense of the future minus our own presence, and a dominant desire and urge to “leave a legacy” behind, as if to do otherwise will diminish the memory of one who has now departed, will soon be forgotten and will populate the mass of unknown graves without tombstones littering the earth beneath ivy and weeds that overwhelm.

It is often money itself, which is soon spent and forgotten; or a special “something” that one remembers another by, which is placed in a drawer and also quickly, easily and without conscience soon forgotten; or, perhaps a more lasting imprint of some residual effect – a poem, an antique car (otherwise referred to as a “junk heap”), or the family farm.

Whatever the legacy left leaving lasting latitudes of lost loneliness lacking love’s longing for lengthy locutions (sorry for the alliteration, but it cannot be helped), it is something that is left behind, cannot ever be retrieved, and may or may not have a lasting impact upon the person or groups of people for whom it is intended.

Then, one can stretch the meaning to include a more modern interpretation of the concept of a legacy – of one’s own.  That is a paradigm of a “legacy” in the more common usage – of a memory of one’s life, of what kind of a legacy will one leave that will be remembers by others – that you worked yourself to death and didn’t spend the time with your kids (refer to the above, first sentence herein, where that may be a blessing), your wife or friends?  What is the point of an empty legacy of that sort?

For the Federal employee and U.S. Postal worker who begins to think of one’s life, health, future and legacy, especially because a medical condition has begun to impact one’s ability and capacity to continue in the Federal or Postal career of one’s choice, the consideration of preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is often and intimately tied and bound to the fragile nature of a medical condition and its impact upon one’s life.

Struggling daily with a medical condition while trying to contend with a contentious Federal Agency or Postal Facility is not only “not fun” – it is, moreover, a futile exercise that diminishes the legacy of one’s life as a greater whole.

The “legacy” one leaves behind, indeed, is not like a wallet, a watch, or a piece of jewelry; but it is like a child left behind, where regrets for the future may yet be corrected, and for the Federal or Postal employee who needs to focus upon one’s health and future orientation that can no longer include the current job one occupies, preparation of an effective Federal Disability Retirement application, to be submitted to OPM, may be the next best thing to a legacy yet to be considered.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: Blowing in the Wind

Of course, the reference recognized unmasks the age or generation from whence one comes, and the formal wording without the apostrophe is to allow spellcheck a rest and curtail the red underline.  It is the 1962 Dylan song, representing questions unanswered, answers made complex by society, and sought-after refrains which defy conformity.

Where is the answer to be found, and what can the wind represent?  Can Cliffs Notes Study Guides provide for a true education?  Or like chimpanzees in a beauty contest besides kids of comparable intelligence, is it merely regurgitation of rote memory, or some semblance of sociological dementia?  As the wind is ungraspable, and embraces and engulfs voices shouting and demanding, so the questions asked and the answers given are as ephemeral as the shifting streams of consciousness.

Nature has a way of humbling, of letting us know that though we aspire to become angels who can fly with knowledge and necromancy, with waving wands and cauldrons of witch’s brew in feeble attempts of arrogance and self-puffing, the reality is that our knowledge is limited, our capacity for growth is stunted, and the self-imposed mediocrity we generally follow reflects the tiredness of a man’s soul.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition is beginning to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal positional duties, questions always abound, and answers sought are often disjointed and contradictory.

If there is an area of knowledge which needs to be precise, it is of “the law”, as people rely upon information certainty, and lack of knowledge and answers which blow in the wind merely confuse and confound.  The test of reliance should always be based upon a systematic history of sound judgment and accurate discourse.  Does the source provide reliable information?  Does it appear cogent, comprehensive and of common sense?

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, can be a daunting first step, for it means a change in one’s life, a step into another direction, and a leap of faith for an uncertain future.  There will always be questions to be answered, but one should never consider demanding answers to those queries via Dylan’s methodology of asking the shiftings winds of Nature, but by searching out a reliable source in this indeterminate universe of questions asked, and answers unforgiven.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement Law: The Balance of Information

Most administrative entanglements involve some measure of balancing.  How much information to provide; determination of that which constitutes satisfaction of the request; whether, and to what extent, the information is sufficient to complete the transaction; and other similar analytical evaluations prior to submitting the compendium of data.

For Federal employees and U.S. Postal workers struggling to complete a Federal Disability Retirement application, first through one’s agency (if still on the rolls and not separated for more than 31 days), and then directly to the U.S. Office of Personnel Management (unless one has been separated from Federal Service for more than 31 days, but not more than 1 year, as all Federal Disability Retirement applications must be submitted within 1 year of being separated from Federal Service), the key component and measure is the effectiveness of Standard Form 3112A — the Applicant’s Statement of Disability.

The act of balancing begins upon an initial review of the questions posed by SF 3112A.  While other forms require basic information concerning one’s personal data and the agency for whom the Federal or Postal employee works (e.g., SF 3107 series, including Schedules A, B & C), the SF 3112A is the linchpin of it all.  Care should be taken in answering the questions; reflection upon the character and extent of the data provided; editing and review of any final submission.  Too much, or too little.

The Goldilocks principle should always be applied, and when served in just the right amount, the true test of the balance of information has been finally met.

Sincerely,

Robert R. McGill, Esquire