Medical Retirement Benefits for US Government Employees: A Thoughtful Paradigm

Federal Disability Retirement benefits under FERS or CSRS is a well-thought out paradigm of benefits for two primary reasons:  (1)  First, because it allows for a base annuity for those productive workers who are no longer able to perform one or more of the essential elements of one’s Federal or Postal job, and allows the Federal or Postal Worker who is disabled to have a period of time in which to recuperate and tend to the medical needs in order to regain his or her strength, energy, abilities, etc. — physical, emotional, cognitive or otherwise; and (2) Second, because it allows for the Federal or Postal Worker to become a productive member of society in a different, “other” job.  

While many may be concerned that, in this regressive economy, the prospect of obtaining another job may be severely limited, such an approach is short-sighted.  The economy will rebound; opportunities will arise as various economic sectors adjust to changing circumstances; and during the entire process, the Federal or Postal Worker who is on Federal Disability Retirement benefits from the Office of Personnel Management will be able to receive a base annuity in order to recuperate from the medical condition.  

All said, the alternative prior to the Federal Disability Retirement benefit becoming law was bleak and short-sighted:  to terminate the unproductive Federal or Postal employee, and let him or her go out to deal with loss of job, loss of income, loss of medical insurance — on top of the medical condition which forced the Federal or Postal Worker out in the first place.

Sincerely,

Robert R. McGill, Esquire

Labor Day Weekend and the Federal Employee

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