Labor Day is traditionally viewed as the end of summer, the entrance back into the routine of the work world, where the lazy days of camping, spending additional time with one’s family; of the soft, lapping sounds of waves rolling as one attempts to squeeze the last remaining hours of leisure and tropical enjoyment. Then, on to the rushing days of work, and more work. It is, moreover, a celebration of the laboring exercise of a productive economy — one which has sputtered and stalled in the last two years.
For the Federal or Postal worker who has filed, or is contemplating filing, for Federal Disability Retirement benefits under FERS or CSRS, the celebration of Labor Day comes whenever there is the recognition and acknowledgement that one can no longer perform one or more of the essential elements of one’s job. At that point of recognition, the time to plan for a secured future comes into play. The days of full labor and productivity may be coming to an end; but that does not mean that one cannot go out and be productive in some non-Federal, non-Postal capacity.
Remember that Federal Disability Retirement under FERS or CSRS does not mean that you cannot work at any other job, ever. Indeed, the opposite is true. You may, after securing your Federal Disability Retirement benefits under FERS or CSRS, go out and get another job in the private sector, and make up to 80% of what your former Federal or Postal position currently pays. While it may be difficult to do that in this tough economy, brighter days are hopefully ahead, and the time to begin preparing for that brighter future is now.
Sincerely, Robert R. McGill, Esquire