FERS OPM Disability Retirement: Happy New Year 2023

Each year brings forth a new set of challenges – or as it were, a new set of problems.  It all depends upon how we view it.  The optimist will see an opportunity within the new set, while the pessimist will have a negative perspective and affirm an unconquerable obstacle.

And the cynic?  The cynic will combine the optimist’s and the pessimist’s beliefs and see the former as a fool and the latter as even a greater fool, and where both will fail in their endeavors regardless of attitude or mood.

Whatever the outcome of all, the march of time trudges onward and the new year brings about changes regardless of our feeble attempts to control and circumvent them.  The natural, objective world cares not about human needs, problems, or tragedies, and time nor changes of calendric alterations fail to alleviate them.

Nevertheless, we celebrate each new year as if it provides a clean slate to begin anew, and that is a good thing, let all the days of our lives be looked upon as a single aggregation of comedic inconsequence.

Everyone likes to have a fresh start, whether by artifice or natural inclination and so we celebrate this next new year as we have every year, “as if’ when the clock strikes midnight and the single tic-tok following has made any difference at all; and yet, let us cheer a  toast of goodwill and prepare a celebratory welcome, if only to bring hope and joy to those less fortunate.

For, after all, while nature sleeps unencumbered by the problems of tomorrow, it is the human effort which can make a difference in people’s lives, and that is what distinguishes the optimist from the pessimist, and force silence upon the cynic’s lips.

For Federal Employees and U.S. Postal Workers who suffer from a medical condition that may necessitate filing for Federal Disability benefits in the coming year, contact a FERS Lawyer who specializes in Federal Disability Retirement law in 2023, and begin to adopt an optimistic view for your future.

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.

 

Medical Retirement for FERS Employees: The Person You are Not

We are, of course, both the person of whom we present, as well as the person we are not — not known as; not publicly announced; not revealed.  Much of the private life of those we publicly admire or hold up on pedestals turn out to be ugly and better left alone.  Things which have been hidden and concealed are done often for good reasons: the light of public display is not where the creepy-crawlies of one’s life should be.

The old adage is normally true: If you want to admire a public figure, don’t go looking under the rocks and closets, lest what is revealed might dampen your enthusiasm of admiration.  Yet, for the ordinary person, the person you are not is merely that part of you which not too many are familiar with, but which reveals the greater essence — of hobbies unknown; of kind acts not publicly shared; of a remarkable past undiscovered, etc.  We are never the person “just” as we appear.

That is why, for Federal and Postal employees who suffer from a medical condition such that the medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job — the tawdry and uncaring attitude of one’s Federal agency or Postal unit when a person needs to file for OPM Disability Retirement benefits under FERS is often quite hurtful.

For, to be relegated as merely that person who wants to get a “benefit” while ignoring the lifetime of dedication to work and trying to do the best one can while struggling with a medical condition is to view the person in a one-dimensional way.  OPM has a tendency to do that — of treating you as the person you are not, especially when they deny you and characterize your application in a way that should not be.

Contact an OPM Lawyer who specializes in FERS Disability Retirement Law and begin the process of getting your retirement benefits approved so that you can go on your way to being the person you are, and not the person you are not.

Sincerely,

Robert R. McGill, Lawyer 
OPM Disability Retirement Lawyer

    

Federal Employees Retirement System (FERS) Disability Law: Loss of a Cosseted Life

What does it mean to “take things for granted”?

Often, it is only when something is taken away that the value of the vanished item of vacuity vainly verifies the validity of its valuation.  Sorry for the alliterative illustration.  Similarly, the cosseted life is one where over-indulgence of protected care may have existed, and the sudden or gradual disappearance of that sense of security leaves one vulnerable and potentially open to harm.

Health, itself, offers the cosseted life; and loss of it, an overwhelming sense of vulnerability.

In youth, when health is so often taken for granted, we are apt to embrace challenging and silly endeavors.  We might jump out of planes, for instance; or engage in other acts of mindless stupidity.  We expect failing health in the metaphorically twilight days of our lives, but when it occurs in the middle years, it often catches us off guard, and the loss of a cosseted life is felt all the more fervently.

For Federal employees and U.S. Postal Workers who suffer from a medical conditions 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 sequence of dealing with the loss of that cosseted life often follows a familiar pattern — First, attend to the medical condition; Next, try and accept the available treatments such that a return to a level of functionality may be attained where your Federal or Postal career can continue.

Then, if the medical condition reaches a level of chronicity such that it becomes clear that you will not be able to perform all of the essential elements of your Federal or Postal job, contact a FERS Lawyer who specializes in OPM Medical Retirement Law.  For, in the end, the loss of a cosseted life should never be the end of something, but rather the beginning of a different phase, a varying period, an alternate condition, and a future still available for adaptive living.

Sincerely,

Robert R. McGill, Lawyer

 

FERS Medical Disability Benefits: Weariness

It is exhaustion beyond tiredness; a loss of energy so profound that the mere act of awakening becomes a chore.

Life is challenging enough; the incessant battle of daily living can bear down upon us, to a point where weariness sets in.  There is a point in our vulnerable natures when a medical condition begins to attack our systems.

It is as if the virus, the illness, the previously-minor medical condition, suddenly awakens and begins to take advantage of the weakened system, ravaging throughout, destroying that which once held a fragile balance between health and devastation.

Depression can then set in; or, PTSD where the multiple traumas of past encounters become too overwhelming to resist, anymore.  Often, Generalized Anxiety can then dominate, with paralyzing panic attacks following.  The body’s immunity is intricately tied to one’s mental health, and each is needed in order to battle the daily stresses of life.

For Federal employees and U.S. Postal workers who suffer from a medical condition, and where weariness has become the norm, contact an attorney who specializes in Federal Disability Retirement Law, and begin the process of resisting the increasing inability to continue in your career.

Sincerely,

Robert R. McGill, Esquire

 

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

 

FERS Disability Retirement: The period in-between

It is the squeeze that we abhor, the suspension of life during that time.  Like the craven soul that is relegated to purgatory or the mass murderer that must await the culmination of the sentence imposed, it is the period in-between that is wasted because we are frozen in time by the certainty of the past already ensconced and the future that is determined but yet to be fulfilled.  That is the rub, isn’t it?

The uncertainty; whether the future can be altered or modified; or has fate already made an irreversible decision and judgment?

When Scrooge encounters that ghostly apparition representing the future in Dickens’ classic tale, A Christmas Carol, isn’t that the question posed – whether the course of future events as foretold could be altered, modified, reversed or otherwise replaced?  But while we wait, what can be done?  For, in reality, it is too often thought that only the judgment rendered can then be worked upon, worked around or somehow accepted submissively as fated karma that cannot be countered.

Thus is that the reaction of Federal and 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 the Federal or Postal position – it becomes the period “in-between”.

It is the “in-between” doctor’s appointments to see whether there is any hope of getting better; “in-between” performance reviews to see if anyone at work has noticed; “in-between” temporary teleworking arrangements to see if the Federal Agency can extend the authorization; “in-between” surgery and recovery to see if you can go back to full duty; and on and on, “in-between” the crazy universe of a medical condition and a dying hope for a future withering on the vines of other’s expectations.

It is like being stuck in mud, frozen in time, watching as the impending future comes upon you.

However, there is an affirmative step that can be taken to begin the process of altering, modifying and changing the course of an expected future event – by preparing, formulating and filing an effective Federal Disability Retirement application, to be submitted through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

While filing a Federal Disability Retirement application may not be a solution to the medical condition itself, it is a step towards altering and modifying the course of future events that are controlled by the Federal Agency or the U.S. Postal Service, by accessing an employment disability benefit that recognizes that you can no longer perform the essential elements of your particular Federal or Postal job, but there may be other things in life that you may be able to pursue.

That is how the period in-between can better be embraced, by making sure that the future does not end with a definitive period at all, but merely by a comma that represents a brief pause.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Employee Disability Retirement: Fathoms and farthings

They are words seldom used by ordinary people, and are instead found within contexts now of limited usage except by reference to anachronistic novels and reference manuals, or perhaps in sea-faring settings where such terms are related to between seasoned old-timers in the field.

The former term refers to the unit of measurement for the depth of the ocean’s topography; the latter, a unit of currency so small as to have become obsolete by now with the inflationary course of history having relegated such amounts to irrelevancy, and ceasing to be recognized as legal tender by 1960.  Besides, it was a “foreign” currency as well, and was not a currency used in current usage within recognizable current vintage, anyway (yes, yes, a bad attempt at alliteration and a play on words).

What do they have in common?  They both measure a unit of X, of course; they are also words that have “meaning” only within certain contexts, whether of specialized oceanographic particularization or, as to the latter, within a historical context if one were writing a play, screenplay, novel or short story that included anywhere from the Victorian to the Elizabethan periods.  It is a reminder to us all that words come in and out of “meaning” and relevance based upon the context given and recognized.

“Language games”, as the term Wittgenstein ascribed, retain their relevance and applicability depending upon the context of the usage adopted.

It is no different when preparing, formulating and filing an effective Federal Disability Retirement application by a Federal or Postal employee, to be submitted through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.  Suddenly, the Federal or Postal employee is thrown into a “language game” that has been ongoing for decades, but is new to the Federal or Postal employee who must prepare an effective Federal Disability Retirement application.

Such terms as “The Bruner Presumption”, “viable accommodation attempts”, “Persuasive legal effect of other disability ratings,” etc., come into play.  Yes, you may be able to research and understand some of the terms, but the particularization and the anachronism of such terms may come back to haunt you unless you, as the Federal or Postal employee trying to submit an effective Federal Disability Retirement application, can fully comprehend the specialized nature of this complex process called Federal Disability Retirement.

For, like fathoms and farthings, it may be best to consult an attorney who has a long experience with such terms and usage in order to better heighten the chances of a First Stage Approval from OPM.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Government Employees: Admitting defeat

It is probably the single most difficult thing to do in life, and its inability reflects upon the abysmal state of education, both higher and lower.  The manner in which education is perpetuated – where “right answers” receive accolades and admitting of defeat merely alters the pecking order of who is admired and who are relegated to the detritus of human society – merely reinforces the greater loss of empathy, the destruction of civility and the coarsening of society.

Facebook, too, merely perpetuates the focus upon destroying an opponent and quieting any voices that may provide a quiet revolution, as alternate voices are silenced into submission by mere meanness of bombardment and repetition.  Some would applaud this all-too Darwinian approach as merely reinforcing the innate nature of “survival of the fittest” – for, admitting defeat is tantamount to revealing weakness, and the weak are mere fodder for the strong and stronger.

Whether in argumentation of discourse or fighting battles, wars – real or virtual – or verbal encounters characterized as harmless skirmishes on the Internet, it matters not anymore the manner in which one prevails, only that one does reach the apex of any endeavor, profession or undertaking.

Once upon a time, there were some rules of engagement – of a civil discourse where debates were conducted in quiet tones and respectful venues, and where humility called for admission of recognizing the greater argument which results in establishing the goal for the greater good.  Now, it matters not the means; for the end justifies the means and if you can shout down the opponent, lie about the facts and cheat around the strategy, it is the winner who is looked up to and the victor who walks away with the spoils.

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 positional duties, it may be that the best way to avoid admitting defeat is to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, but somehow one’s priorities have become skewered in this obsessive-world where admitting a medical condition is tantamount to admitting defeat, as opposed to merely recognizing the limits of human endurance and the frailty of the human condition.

Fortunately, the rules governing Federal Disability Retirement benefits allow for the Federal or Postal employee receiving Federal Disability Retirement benefits to go out into the private sector, or even into the state or local government, and work at another job or vocation and make up to 80% of what one’s Federal Government or Postal job currently pays, and thus, to that extent, obtaining a Federal Disability Retirement annuity is not considered admitting defeat, but merely a change of venue in the pathways of life’s complexities throughout.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement from Federal Employment: Identity Theft

Concerns over “identity theft” abound in this information age where an almost unlimited trove of personal data gets transmitted through the ethereal universe of the Internet.

Certainly, the U.S. Office of Personnel Management itself should be aware of this, with the recent hacking of Social Security Numbers, birth dates, responses to security questions, etc., and their failure to protect such sensitive caches of information.  But such thievery is normally recoverable; new passwords and keywords can be changed and obtained; additional walls of security impositions can be constructed, and life can be returned to a relative level of normalcy, with mere vestiges of fading memories of inconvenience to haunt our daily lives.

There are other forms of identity thievery, however, which can be more onerous, and unrecoverable.  When an individual is stripped of his or her identity as developed over many years through hard work, dedication and loyalty to a purpose or cause, and that reputation becomes destroyed in quick order and succession resulting from circumstances beyond one’s immediate control, where is the restorative avenue for that?  To what door or office does one apply to regain the loss, and return back to a sense of normalcy?

For the Federal employee and the U.S. Postal worker who are daily harassed because they suffer from a medical condition which impacts one’s ability and capacity to perform, any longer, the full essential elements of one’s positional duties in the Federal sector or for the U.S. Postal Service, such “identity theft” of an alternate kind is well known and intimately experience.

Those multiple years of toil, dedication and loyalty to development of fine-tuned talents in order to perform one’s job with the Federal agency or the U.S. Postal Service — they become for naught, when one’s worth is so closely tied to one’s health, whether physical or psychiatric.  And so it may be time to “move on”, and this means, in all likelihood and necessity, preparing, formulating and 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.

Yes, ultimately, one’s OPM Disability Retirement application must be filed with the very same agency whose vault of personal personnel information was hacked into; but that is often the irony of life itself, where the Federal or Postal employee must knock on the very door which allowed for identity theft, in order to regain it again for a new and brighter tomorrow.

Sincerely,

Robert R. McGill, Esquire

 

Early Retirement from Federal Job due to Disabilities: Setting up the Contingency for Failure

We all engage in it, at times; and like the vertical clearance events, like the high jump, the measurement of the horizontal bar can make a difference by fractions of inches or centimeters, and where we place the bar will determine the outcome of failure or success.  “If X, then Y,” we whisper to ourselves daily; “If I am able to get through this day, then it shows that I am better, and…”

But medical conditions, especially, have an unique characteristic of skewing and distorting the predictable outcome; and, further, when human desire, unfettered by comparative milestones used as “reality checks” in order to keep contained the buoyancy of human wants, becomes part of the equation, the systematic self-deception can occur through setting up contingencies which will inevitably fail.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition impacts the ability and capacity to perform all of the essential elements of one’s Federal or Postal positional duties, the issue of “when” to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management (submitted first through one’s own agency Human Resource Office if not yet separated from Federal Service or, if separated, not for more than 31 days; but if separated, within 1 year of being separated from service, which is the Statute of Limitations in all Federal Disability Retirement cases, with some stringent and narrow exceptions) has often been influenced by the imposition of setting up multiple and linear series of contingencies, all of which were doomed for failure.

That is why the very filing of a Federal Disability Retirement application often becomes a “crisis” of sorts; for, as we desire things beyond our reach, and know that such events are unlikely to happen, so we continually engage in such fantasies of hope, despite the facts which face us, the yearnings which remain unfulfilled, and the loud signals which have become sirens emitted from our bodies and inner souls, screaming to change course before the collision of life’s disaster brings tumult and chaos beyond the nightmares of our own making.

Sincerely,

Robert R. McGill, Esquire