How much OPM Disability Retirement Pays?

“What will the benefit pay?”  That is often the primary concern of a Federal or Postal employee who must consider filing for Federal Disability Retirement benefits through the Federal Employees Retirement System (FERS), and it is certainly a valid first question.

The greater concern that cannot be overlooked, however, is the one that involves calculating the cost of NOT filing.  In the end, those Federal and Postal employees who must consider filing for Federal Disability Retirement benefits have three fundamental options: Stay put; resign and do nothing (or wait for termination/separation proceedings to occur, which amounts to the same thing); or file for Federal Disability Retirement benefits under FERS.

The benefit of a Federal Disability Retirement annuity is quite simply calculated as 60% of the average of one’s highest three consecutive years of service for the first year (offset by 100% of any Social Security Disability benefits received during the concurrent payments received) and 40% of the average every year thereafter (offset by 60% of any Social Security Disability payments received during those years), until age 62, at which point the Federal Disability annuity is recalculated as “regular retirement” based upon the total number of years of Federal Service, including the time that the disability retiree has been on Federal Disability Retirement.

Thus, the “greater” benefit in calculating the cost has to take into account the fact that one is actually “building up” one’s own retirement by the years one stays on disability retirement — for, those very years that you are receiving a disability retirement annuity count towards the total number of years of Federal Service when it is recalculated as “regular” retirement at the age of 62.

Yes, it is true that on the cost/benefit ledger that one should review before filing for Federal Disability Retirement benefits, you need to take into account the lesser income and the lengthy bureaucratic process that must be engaged, but you should also never forget what the originating basis for considering such filing compelled the consideration in the first place: Your health.

Calculating the cost of filing for Federal Disability Retirement benefits too often places the emphasis on what is lost — in terms of monetary gain and loss, etc.  But in calculating the cost of filing an effective Federal Disability Retirement application, to be submitted and considered to and by the U.S. Office of Personnel Management, the primary issue involves one’s deteriorating health and whether you can continue to remain in a job which has clearly become inconsistent with the medical conditions one is suffering from.

In the end, calculating the cost must go beyond the lessening of income; it must calculate the cost of one’s health, which is the single greatest asset one possesses.

Sincerely,

Robert R. McGill, Esquire

 

Attorney Representation for OPM Disability Claims: Tone and tenor

In music as well as in grammar, the first word remains somewhat constant, in that it refers to the sound itself – how it sounds, the decibel level, the texture and coherence, etc.  Between the two, it is the tenor that alters, for in music, it refers to the male voice intermediate between the bass and the alto, while in grammar it is the content and substance of that which is said.

Thus, in either manner of usage, whether in music or in grammar, the combination of both is a bifurcated distinctiveness that goes to the duality of the following:  How it is being played or said, as opposed to what is being emitted or posited.  Both in verbal communication, as well as in written delineation and presentation, each are important.  In the former, one can often modulate the first upon the second, and even adapt the second in order to “soften” the first.

Thus, a person might say, “Go take a hike” in an angry, unforgiving manner, and the words spoken are consistent with the tone granted.  Or, one can say it in a joking, soft-spoken manner, and suddenly the tenor of the words take on an entirely new meaning – for, no longer do you actually mean the words themselves, as in “Please go away, I don’t like you and I don’t want to see you”; rather, stated in the second manner, it can simply be a cute retort, a friendly quip or a joking gesture.

In writing, however, one must be quite careful – for the tone of a sentence is encapsulated within the tenor of the written statement; the two, being entangled by the written mode of communicating, can easily be misinterpreted unless carefully crafted.  That is why texting, emailing and other written modes of delivery can be dangerous vehicles easily misunderstood and taken with offensive intent that otherwise was meant in a different manner.

The “tone” of a written sentence, paragraph or page must be intimately woven with the context of the “tenor” presented; and how the reader or recipient reads it, what internal “tone” is ascribed, can be misguiding.

For the Federal employee or U.S. Postal worker who must prepare 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, the tone and tenor of a Federal Disability Retirement packet is important to consider.

Will a somewhat “third-person, objective” persona be assumed?  Will the SF 3112A, the Applicant’s Statement of Disability, be presented in a cold, clinical manner, where the tone is set “as if” someone else is describing the personal issues of the medical conditions, as well as their effect upon the Federal or Postal employee’s capacity and ability to perform the essential elements of the Federal or Postal position, or will it be more likened to a weeping bundle of hysterical cries begging for approval, or even closer to an angry shout that deafens the ears of the U.S. Office of Personnel Management’s assigned “specialist”?

Tone and tenor need to be decided upon early on in preparing, formulating and filing an effective Federal Disability Retirement application, and it may well be that consulting with an attorney who specializes in preparing such applications will ensure the proper modulation in both the tone and tenor of an effective Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: Game changers

Rarely do we have advantages in life.  Instead, most challenges are full of obstacles in our way, advantages tipped in favor of another’s, and an imbalance that seems to make life’s lottery of spectral choices a weighted unfairness that no amount of complaining seems to make a difference about.  We hear about them; yet, they rarely attend to our own needs nor join “our team”.

Game changers are those influences or components that suddenly make winning more favorable.  They normally become a part of the “other” team, but every now and again, life may throw a ray of sunshine down our path, and game changers become an element of one’s own “team”.  Perhaps it is a secret piece of knowledge no one else is privy to; or a piece of information that others have not yet been provided access to; or a person with exceptional talent who has given indications of sympathy to a particular cause; or even a new methodological approach that has not yet been widely disseminated.

Whatever the element of advantage, game changers open up circumstances that favor the success of one side over another, and appear at an optimum time when others have yet to prepare for the surprise addition.  At least, that is what they appear to do in novels, movies, plays and fictional life.  In real life, there are rarely such advantageous elements that make a difference.  Instead, most of life is a steady monotony of hard work, less complaining and a representation of the tortoise-like ethic as opposed to the hare that dashes off and runs ahead of everyone else.

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, the concept of a “game changer” should be a familiar one.  For, when the medical condition first began to impact one’s health, that– in and of itself — was a game-changer: against you.  And when your work began to suffer because of the medical condition — that, too — was a game-changer: against you.  And when you needed to take excessive Sick Leave and Annual Leave, then LWOP, that was again a game-changer – again and too familiarly, against you.

It is perhaps time to begin preparing a Federal Disability Retirement application through the U.S. Office of Personnel Management; that, too, may be a “game changer”; but this time, in your favor, so that you can perhaps begin to focus upon the changing games that need a true game changer – your own health.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: The Habit

No, this is not about that peculiar creature that Tolkien created who used to rule the earth but now hides in little dirt hutches in the deep recesses of forests (don’t all children and adults who have read his works believe in their heart of hearts that Hobbits still exist, and we just don’t see them?); rather, this, too, is a creature of sorts, just not the imaginary creation that gave joy to so many.

How is it that we come to learn it?  Is there a numerical value that must be first ascribed before the regularity of X becomes a Habit-Y?  What constitutes a definition of the repetition, and how is it learned, as opposed to unlearning certain types of constancies?  Is there a numerical value that further transforms a habit into an obsession, and where is the dividing line and what demarcates the distinction we thus impose?

If a dog, each morning upon the awakening by an alarm clock set by his master, rolls onto his back and waits until he gets a nice tummy-rub, and never deters or detours from such a habit, can he, too, unlearn it?  Is a habit, moreover, merely a settled tendency, such that the rest of those around may expect it to occur, but when it does not, is not necessarily a surprise or a disappointment, but a mere reliance that “normally” occurs but is not mandated by a turn to another direction?  When the expectation does not come to fruition, do we simply say, “Well, normally it is his habit, but perhaps he changed his mind”?

Kant, for instance, was known to take his walk at a specific time, and it was said of him that the townspeople set their watches against his daily routine and habit.  Does not that sound more like an obsession?  Is the difference one where there is greater ease to “break” the regularity, whereas an obsession is where such a tendency cannot, and is no longer a “voluntary” act?

Additionally, is there a difference with a distinction between a “habit”, a “ritual” and an “obsession”?  Or, is there no clear line of bifurcation (or is it “trifurcation”?), but the lines can cross over easily – as in, when we engage in a habit, sometimes there are rituals that are performed – washing one’s hands in the same way as always; combing one’s hair a set number of strokes; skipping over a particular crack in the sidewalk on the way home; and are rituals merely of greater intensity with obsession than with a habit?

And what of necessities that arise?  Such as filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management for Federal and Postal employees – do people not file because their “habits” are entrenched in a belief-system that one must just “buck up” and ignore the warning signs of a medical condition that continues to deteriorate and progressively debilitate?  When do habits stand in the way of doing that which is “reasonable” under the circumstances?

Here is a thought: For Federal and Postal employees suffering from a medical condition, such that the medical condition prevents the Federal or Postal employee from performing all of the essential elements of the Federal or Postal job, let not habit become an obsession, and instead, allow for the rituals of life to free you from the habitual obsession of ritualistic redundancy, and instead, begin preparing an effective Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from USPS or other Federal Agencies: Solomon’s choice

Even in this age of millennial ignorance of ancients, literary or biblical references to arcane metaphors (while taking delight in such useless information as the minutiae of Sanskrit grammar), the general view that King Solomon’s judgment was profoundly wise, is accepted without argument.  Yet, were his assumptions correct, and do they apply today?  Is it presumptively reasonable that love of child would rise above the other emotions felt – of jealousy, perhaps, or envy of the other mother – and declare the truth of the hidden motive?  Is there a priority or order of sequence that necessarily mandates truth to manifest itself, when the choice is one of death, loss, sacrifice and the horror of splitting a baby into two?

Of course, beyond the significance of the epic story itself, is the metaphor we are left with in living our daily lives – of making a choice between honor and its opposite, or of Truth and Falsity; of enduring for the sake of X as opposed to sacrificing in the light of Y.  To embrace a Solomon’s choice is to accept that there is a binary presentation in life’s offerings, and while that is often the appearance of a case, it is the stark reality of the limitations of alternatives available, that makes a decision to be made difficult and unenviable.

For Federal employees and U.S. Postal workers who must endure and “deal with” a medical condition, such that the medical condition has come to a point of interference with many of life’s major activities, including employment and performing the essential elements of one’s Federal or Postal position, the options presented are often binary, and sometimes adding another to create a trinity of choices.

The Federal or Postal employee can remain and endure; or, if the Federal or Postal employee has met the minimum eligibility requirements (18 months of creditable Federal Service and an evidentiary basis of showing that a medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job), consideration should be given to preparing, formulating and filing an effective Federal Disability Retirement application, to be submitted to the U.S. Office of Personnel Management.

The “other” choice, of course, is to walk away and do nothing; but that is, in effect, no choice at all, for the time invested and accrued in one’s Federal or Postal career should never be discarded and forgotten, especially when the second option is there to be accessed.

In the end, perhaps Solomon’s choice was, likewise, parallel to that “third” option which resulted in the decisions made, and as a consequence, bore the fruits for the future Trinity.  To split the baby in half could never have been a serious consideration, just like walking away without trying should rarely be considered by a Federal or Postal employee who suffers from a medical condition which prevents him or her from performing one or more of the essential elements of one’s Federal or Postal job.  Solomon’s offer was, of course, a wise one; for, in the end, he knew that such a choice was an untenable one, just as the Federal or Postal employee knows that filing for Federal Disability Retirement benefits is the one which will ultimately be the wise one.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Those bare moments of honesty

They come in flashes of rare instances; sometimes, in a more subtle manner, like encroachments by a nimble adversary; at others, tantamount to ugly boils erupting in the middle of one’s forehead while interviewing for a sought-after position.  We cloak ourselves in lies, more lies, and obfuscations wrapped in greater deceptions of self-doubt.

Sometimes, such concealment is necessary; for, perhaps it is an evolutionary tool in order to merely survive.  Those who have lost such capacity may have to face the harsh realities of day-to-day living, and simply go mad; others who cannot defer the decadence of self-realization may react by engaging in binges of bifurcated pigeonholing and compartmentalizing of walls constructed to deny access to intercontinental flights of fancy.

Heidegger would say of it that we are merely procrastinating the inevitable.  The reality of Being is too harsh; projects and made-up, artificial distractions allow us to avoid the revelation of the ugliness of the world, or at least delay its unconcealed rupture for the time being.

But medical conditions shatter that quietude of avoidance.  For, their reality and intentional rudeness in deliberate interference in our daily lives presents itself like the fat uncle who takes up the entire couch without asking; the ugly displacement of pleasurable moments cloaked in deceptive avoidance of self-awareness makes for an elephant which is whispered about but nobody notices.

Becoming lost in virtual reality; Facebook friends whom we never meet; Twitter followings which meander in meaningless platitudes; the very lack of substantive discourse in our lives belies our greater efforts to avoid and confound.

Does it matter that the team one roots for will have lost on Sunday, or that the Lottery Ticket was a wasted twenty-dollar bill flushed down the toilet?  Mere distractions become central in lives of desperation and quiet moments of weeping in the dark caverns of lost thoughts, sought-after childhoods and forgotten moments of honesty and carefree pictures frozen in time.  But it is the ugliness of troublesome truths which reveal themselves to haunt and nudge.

For Federal employees and U.S. Postal Service workers who must face that challenge, the reality of life occurs when the medical condition prevents the Federal employee or Postal worker from continuing to perform the essential elements of one’s positional duties in the Federal agency or the U.S. Postal Service.  At some point, serious decisions must be made.

The clash between avoidance and reality comes to a flashpoint of sorts, and procrastination of the delayed cloaking of harshness can no longer be discreetly catalogued.

The page is opened upon us, and we must ask:  Can I continue in this same way?  Is the Agency or the Postal Service considering termination?  Will I become a young retiree in a 90-year old body if I struggle to remain?  And those haunting images of 40-some-year-old former football players in wheelchairs and walking like senile old men — does that portend of images for my life in the not-too-distant future?

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 viable alternative to allowing for those bare moments of honesty to become a self-fulfilling prophesy.

Indicators mean something, and when one’s body, mind or soul shout within the quietude of one’s nudging conscience, it is time to consider preparing, formulating and filing for OPM Disability Retirement benefits, lest those bare moments of honesty become lost in the forgotten crevices of secluded fears relegated to the growing trash heaps of avoided realities.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement from Federal Government Jobs: Canards and Caustic Characters

Life is tough enough without having to deal with unfounded rumors, mongering of fears (the term “fear-mongering” is itself an interesting one, denoting a tradesman or merchant who specializes in the sale of specific goods, and thus implying a commerce of black-marketed ideas connoting instability, undesirable and shady commodities) and encounters with unpleasant invertebrates masking as human beings.

Canards float throughout workplaces like pheromones released and attracting species of a similar ilk, and suddenly the ravages of the herd mentality provoke a carnivorous feast of mauling and prey-stalking.  The “fix” is in, and you know it, and wait for it to come, like the inevitability of a season’s change and the waxing and waning of the crescent moon; only, when it is you as the bulls-eye target of caustic characters, the eternity of time in anticipation of the forthcoming tidal wave and onslaught of adversity seems like the slow travel of a singular teardrop down the dry gullies of a pock-marked surface.

For Federal employees and U.S. Postal workers who are in need of 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, that feeling of impending doom is familiar, close, and nevertheless unpleasant.

Agencies of the Federal kind (we speak not of State, County or Local ones, as this author has no knowledge of their characteristics and internal workings, although one may presume that, by stint of metaphor and symbolic comparison, there may be a kinship between and betwixt) and the U.S. Postal Service have a reputation to uphold, and the prevailing one always seems to involve canards and caustic characters, especially when it comes to treatment of fellow Federal and Postal employees with medical conditions, such that the medical conditions begin to prevent the Federal or Postal employee from performing one or more of the essential elements of one’s positional duties.

When the time comes — and the inevitability of when and how the Federal agency or the U.S. Postal Service will conduct itself is never without a shade of doubt — as to the need for filing for OPM Disability Retirement benefits, hopefully the Federal and Postal employee will leave the scene of the crime and go on with life with an OPM annuity, with mere memories of fading glories, for this canards and caustic characters who are left behind to boil in the meanness of their own making.

Sincerely,

Robert R. McGill, Esquire