Medical Retirement under the Federal Employees Retirement System (FERS): Money

We all groan about it (well, perhaps there does exist a 1% who never worries about it).  We complain and moan.  There is never enough.  When an unexpected amount is received, it provides a momentary thrill.

Idealists bemoan it but recognize its transactional necessity in an economy no longer viable in bartering terms; talking heads who self-proclaim to be “financial experts” (whatever species of animals they are, no one knows) talk about value, worth, “printing too much”, “pumping” too little, etc., leaving us all confused.  In the end, it is always a matter of, “How much”.

For Federal Employees and U.S. Postal workers who suffer from a medical condition such that the medical condition necessitates filing for Federal Disability Retirement benefits under FERS from OPM, the question of “how much” is a simple calculus of receiving 60% of the average of one’s highest-3 consecutive years of Federal Service for the first year, then 40% every year thereafter until age 62, at which point the annuity gets recalculated based upon the total number of years of service when you reach age 62, including the time that you are on disability retirement.

Thus, you are actually “building up” your regular retirement by being on disability retirement, as those years you are on disability retirement count towards your total number of years of service when recalculated at age 62.

Imagine that — you receive an annuity (money) while on disability retirement, and at the same time, you are building up your retirement system so that, when you turn age 62, those years you were on disability retirement are calculated and added on to the years of Federal Service you had before you went on disability retirement.  It is money well earned and deserved.

Sincerely,

Robert R. McGill, Lawyer

 

Federal Employees with Permanent but Partial Disabilities: The Delay of Time

We grumble and complain about “losing” an hour in Spring’s moving forward for the time change, and are glad to accept the “gain” of it in the Fall.  In either case, we recognize that we have neither lost the hour, nor gained it; it is merely the artificial alteration of clocks uniformly and by international agreement accepted.

The true loss is in the delay of time — of our actions, our thoughts, our lack of initiative in moving forward when necessity dictates a change in our lives.

Medical conditions tend to do that — they force us to delay time, hoping that it will go away, change course, and one day deemed to have been merely a bad dream, a nightmare to be forgotten.  But they remain with us — slowing us down, delaying the inevitable: Our career needs to change; we need to adapt to our circumstances.

For Federal employees and U.S. Postal workers who suffer from a medical condition and have been hoping that the delay of time might change some things, it should be clear that time is never a friend of an injury or disease — it merely provokes us into the false notion that time will ultimately heal.

Contact an OPM Disability Attorney who specializes in FERS Disability Retirement Law and consider that the delay of time will only make an emergency out of what is now merely an urgency.

Sincerely,

Robert R. McGill, Esquire

 

FERS Disability Retirement: The Inevitability of Change

It is a tautology; for, “inevitable” encapsulated and embraces the term “change”, and one presumes that, in applying and comprehending the word “change”, there is a sense of inevitability contained within it.

Thus do we assume certain truths which naturally follow: If you don’t like the weather, just wait a moment (for, the natural course of the universe dictates that the weather will change over time); if you are dissatisfied with your life today, ride it out (for as circumstances appear static for the moment, time will resolve many of the uncertainties faced today); and similar dictums of sagely advice.

What we are not told, however, is that which we have already accepted by experience:  That “change” is too often a negative component, and that is why we believe that things almost always change for the worse.  That is the byline for the pessimist, of course: That good things never last; everything changes for the worse.  The optimist, on the other hand, always tries to squeeze the good out of anything that worsens, and tries to see the glass as half full, instead of half empty.  Whether you are an optimist or a cynic, both accept that change is inevitable; the difference is merely in how one perceives the change.

Then, of course, there is the human element — of affirmative actions taken by an individual or a multitude of individuals in performing acts that contain or otherwise alter the course of change.

For Federal employees and U.S. Postal workers 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, change is inevitable.  Whether by being placed on a “Performance Improvement Plan”, or the increasing harassment perpetrated by the Federal Agency or the Postal Service — or in the inevitability of a termination — the medical condition itself will normally and often dictate the need for change.

The “human element” is the action taken by the Federal or Postal employee in preparing, formulating and filing an effective Federal Disability Retirement application, where the affirmative intervention of actions taken may change the ultimate outcome of life’s trials.  Yes, the inevitability of change is a given; but how that change will come about and what outcome is to be determined will depend upon the Federal or Postal employee who recognizes both the inevitability and the need for change, but moreover, of how to go about initiating the process.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Federal Workers: The house next door

It is the one that follows the same comfortable convention for all these many years — of never knowing the intimate details; a wave of the hand every now and again; of fleeting appearances on various days, such as recycling, garbage and the occasional Saturday when the in-laws from out-of-state come to visit on Thanksgiving, or a birthday, or perhaps when a tragedy occurs and the sudden appearance in the driveway that is filled with cars never before seen.

The house next door, or across the street —the neighbor who you do not know, and somehow never got around to knowing, whether because they were latecomers or you were, and the “other” didn’t seem all that willing, friendly or “neighborly” to begin with, and so a settled truce became the daily routine that never altered, never became a problem, and forever became entrenched in the mundaneness of deliberate social avoidance.

We imagine what occurs in the house next door; or, perhaps not at all, except to complain when they’ve made too much noise, let their grass grow beyond the acceptable conventions of normative beliefs (or otherwise in violation of strict codes imposed by the “lawn police” of the local Home-Owner’s Association), or parked one of their cars in front of your house (yes, it is true — that street section in front of your house is actually not your property, and though it may be obnoxious, the house next door has every right to park the car on your side of the street, right in front of your house).

We never know what occurs to the house next door until one day we read about the tragedy in the pages of the obituary in the local paper.  There is a sadness in that very fact; or, perhaps that is the way we have set up this disinterested and alienated society?  Do we prefer to remain ignorant of the goings-on of the house next door?

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition forces the preparation and filing of a 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, it often feels like living in the house next door — for, suddenly, you find yourself looking at familiar surroundings from across the street, or from beyond the fence that separates, and you begin to wonder whether you ever knew your neighbor, and what they are up to.

There is an alienation involved, and you must always remain suspicious as a “new” car is suddenly seen parked across the street, and the Supervisor or coworker seemed to be sharing information and gossiping with furtive eyes averted from your view; and yes, the Federal Agency or the Postal Service may be getting ready to initiate an adverse action of some sort — like the house next door that you never knew and now would rather not.

Sincerely,

Robert R. McGill, Esquire

 

OPM Medical Retirement Legal Representation: Coordination

Lack of it brings out the awkwardness of disjointedness; sometimes, it can be compensated by height or other attributes, but even then, it results in lack of efficiency, at best, and a danger to self or others at its worst.  Coordination is necessary not only for efficiency, but for effectiveness, as well.

Try and remember when you first began learning how to operate a motor vehicle: the need to coordinate one’s panorama of visual stimuli from all directions; judging the speed, distance and predictable behavior of other vehicles surrounding; of “putting it all together” in steering the vehicle, maintaining the proper speed, of determining the distance between yourself and other vehicles, how much pressure to exert upon the gas pedal and the brake pedal; and thank the stars that in modernity the “clutch” is no longer a common device on most vehicles, lest trying to get the car moving on a steep hill after the engine has stalled should again become the test of adulthood as it was for everyone in past generations.

Coordinating varying efforts, elements, components and the “thousand little things” that we now take for granted, was not such an insignificant encounter when we first learned to drive.  The simple task of adjusting the mirrors in coordination and in conjunction with the position of one’s seat was an exercise that once required thought and foresight, as one found it a bit more trying if you found out that you couldn’t see the other cars while traveling on a highway where speed limits were considered mere ornaments with irrelevant numbers on wooden posts to be summarily ignored.

Now, of course, everything is easy — coordination of all of the elements becomes a thoughtless exercise of taking things for granted.  For, with a push of a button, you can “reset” the previous coordinates already stored in the car’s computer memory bank.

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, it may become necessary to begin preparing, formulating and filing an effective Federal Disability Retirement application for filing with the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.

It may, for many, seem like trying to learn how to drive all over again — of the need to coordinate all of the elements, including the medical reports, treatment records, office notes; of preparing a legal memorandum that is persuasive to OPM by pointing out how the medical evidence is supported by the legal precedents which have previously determined a successful outcome; of formulating the Applicant’s Statement of Disability in conjunction and in coordination with the medical evidence and legal argumentation following; and of coordinating all of the various evidentiary components that comprise the “Federal Disability Retirement Packet” that is to be submitted.

And like the driver who avoids the vehicle on the road that has the big-lettered sign saying, “Student Driver”, we all know that the reason why we steer clear of such vehicles is not because of the teacher accompanying the novice driver, but because of the lack of coordination that might ensue.

That is why consulting with an attorney who specializes in Federal Disability Retirement Law is an important component in preparing an effective Federal Disability Retirement case, because like the student driver just learning, it is the expert who teaches how to arrive safely from beginning-point A to destination B that coordinates the necessary operatic touch between stage and reality.

Sincerely,

Robert R. McGill, Esquire

 

Filing for OPM Disability Retirement: Palatable possibilities

We often hear of that which is “possible”, then immediately pause to consider the probabilities of such declared possibilities.  For, isn’t it possible that there are martians on the far side of the moon, or that we all live in a dream, dreamt by the fragile whisperings of a butterfly, or that everything that we see, hear and experience is just nothing more than pure bosh, and Bertrand Russell was quite right after all, that our rumblings of metaphysical yearnings were merely a result of a stomach virus that needed an antacid to cure?

At what point are possibilities presented no longer palatable, and where are the limits of our imaginations such that reality clashes with fantasy and the medium between the two becomes so stretched that we cannot fathom their practical effects?  Have we come to a point now where supermarket tabloids are just as believable as mainline newspapers that cross the thresholds between truth and opinion?  Is virtual reality just as pleasurable as “real” reality, and does the realness of reality depend merely upon one’s perspective and opinion and how we view things?

Then, of course, there is the reality of a medical condition, and everything comes crashing down into a singular reality: mortality and health tend to bring us “back to the basics”.

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, what possibilities are palatable; whether possibilities presented are meaningful; it all comes down to the pragmatic choices from three: Stay, walk away or file 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 real possibilities in life are generally quite simple; it is the luxury of the healthy to entertain the greater expanse of palatable possibilities, but for the Federal or Postal employee who is faced with a chronic and progressively debilitating medical condition, the choices are stark and limited.  It is within those limitations that the palatable possibilities must be carefully chosen, and such course of actions to be chosen should be advised and guided by a consultation with an attorney who specializes in OPM Disability Retirement, lest the palatable possibilities turn out to be an unpalatable probability chosen out of a mistaken belief in the existence of palatable possibilities.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: Possibilities to pursue

In one sense, it is nonsensical to ask the question:  “Is it possible to…?”  For, is there any limitation to the concept of the possible?  Isn’t it possible that there are Martians on Mars, but in a parallel universe unseen and concealed from the human eye?  Isn’t it possible that the room you leave disintegrates molecularly, then reconstitutes itself the moment you reenter?  Isn’t it possible that it will rain tomorrow, despite the national weather service predicting otherwise (this latter example is actually not too absurd, as it is a regular occurrence experienced by most)?

Does it alter the significance and qualitative relevance of the query if, instead, we exchange the word with “probable”?   Does probability by numerical quantification of possibility negate the extremes and unfettered boundaries of the possible?  Does a statistical analysis make a difference – say, if a “scientist” asserts that the chances of Martians existing on Mars in a parallel universe unseen is 1-in-1 Billion (as opposed to 1-in-999 million – i.e., are such statements and declarations really accurate at all?) – to the extent that it somehow replaces with credibility the conceptual construct of the possible?

It is all very doubtful, and beyond some cynicism of puzzlement and suspicion that such statistical assertions constitute a perfection of any reasonable methodological approach, the reality is that for the person who is struck by lightening while golfing on a sunny day, that 1-in-a-trillion chance is negated by the 100% probability that he or she was, in fact, in reality, struck by lightening, no matter what the statistical analysis declares.

In the end, probability analysis places some semblance of constraints upon the fenceless conceptual paradigm of possibilities, but it is the latter which compels man to attempt feats beyond the probable, and it is the former which places a reality check upon the limitless creativity of fools, madmen and eccentric geniuses throughout history.

For Federal employees and U.S. Postal workers who are considering the possibility of pursuing a Federal Disability Retirement application, whether the Federal employee or U.S. Postal Worker is under FERS, CSRS or CSRS Offset, the question often constraining is the probability consensus of “success” – and, yes, that is a consideration that the reality of a bureaucracy and administrative process should face and take into consideration.

In the end, the possibility of a successful filing can be enhanced by the probability factors that are required by law:  A methodological approach; a supportive doctor who is willing to provide a narrative connecting the dots between the medical condition and the essential elements of one’s positional duties; a systematic legal argumentation that provides a “road-map” for the Administrative Specialist at OPM; and an understanding that the possibilities to pursue can be qualitatively quantified by the probability of supportive documentation.  Go figure.

Sincerely,

Robert R. McGill, Esquire

 

Federal and Postal Medical Retirement: Kaleidoscopic Clash

The watchful eye of the human animal is quite different from that of other species; for the human interaction and interpersonal encounters bring together the complexity of past histories and memories; of present foibles as uniquely colored by one’s past; and always of projected future concerns and anxieties.  It is this admixture of kaleidoscopic clashes, where the past, present and future become wrapped into a tightly knotted ball of human thought, that the peculiarities of human personalities intersect with the needs and wants of societal conflicts.

Dickens was a master at describing the eccentricities of humanity; today, one wonders whether such straying from convention and normative confinements are allowed; or perhaps they are hidden, with barely a hint beyond superficial discourse as revealed on social media, but where heinous crimes are better concealed and the universe of sociopaths are scattered within the dungeons of private basements and base minds.

Is it because of the repressive nature of a seemingly open society that subtle meanness and baseness of spirit prevails?  One can witness it pervasively in the workplace; and, indeed, the greater the need for laws and restrictions, the manifested cruelty will find corners of inconspicuous outlets, like ratholes gnawed in the baseboards of concealed crimes. The worst of humanity always seems to reveal itself when the best is required.

For Federal employees and U.S. Postal workers who are in need of sympathy, compassion, empathy and understanding, when a medical condition hits them at moments of mid-career and accommodations would potentially lengthen an otherwise promising future with the Federal agency or the U.S. Postal Service; it is then that Supervisors, Managers, coworkers and the entire bureaucratic apparatus of human baseness seems to erupt.

Federal and Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal or Postal employee from performing all of the essential elements of one’s position, becomes the brunt of human complexity.  Perhaps human compassion exists, but we are too busy to reveal it; or that misunderstandings occur, and the grounds for explanatory eloquence is wanting; but whatever the reasons, the protective shields of legal applications have failed to adequately provide assurances.

Fortunately, there is the option for Federal and Postal employees to seek an “out” by filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset.  How one presents one’s Federal Disability Retirement case as described and delineated on SF 3112A (Applicant’s Statement of Disability), and in any legal memorandum one files to accompany the justifying basis in law of eligibility for OPM Disability Retirement benefits, is all-important, and must be considered in light of collateral issues and parallel forums involving hostile work environments, EEO complaints, grievances filed, etc.

It is, indeed, this kaleidoscopic clash of separate entities of conflicting combinations, which must be sorted through in order to effectively present a persuasive Federal Disability Retirement application.  Within the complex context of intersecting personalities, where the past, present and future come together in a cauldron of human conflict, it is important to have the advice and consultative opinion of an objective perspective in the preparation, formulation and filing of a Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

Federal & Postal Medical Retirement: Life’s Scarring

It builds through repetition of wounding, or because it is deep, jagged, or otherwise unable to repair through normal processes of cellular regeneration.  It remains a mark of a person; over time, fading through exposure to sunlight, disappearance of discoloration, and the slow erasure of the damage done through the healing process of the linear course of a lifetime, may allow for one to forget.

Traumas, medical conditions and chronic maladies takes time to heal, and time is the commodity which society relishes, values, and measures by the worth of productivity.  It is that segment of immeasurable continuity which determines the markings of a lifetime’s work; like prehistoric epochs which we name in order to neatly fit in the existence of dinosaurs and their disappearance through volcanic and meteoric catastrophes, we bifurcate the unconquerable continuum with significations of memorable moments in time.

Medical conditions and their disruptions to lives require time for healing; and whether it is the impact of psychiatric conditions upon one’s psyche and soul, or the physical manifestation of a chronic illness or injury, that commodity of value in the world of economics remains unsympathetically beyond the reach of most.

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 the Federal or Postal job, the acquisition of time becomes ever more important and critical as one awaits the winding morass of a Federal Disability Retirement application through the bureaucratic maze of the U.S. Office of Personnel Management.

Bureaucracies grind forward as if time is nonexistent; but all the while, life must continue to flow, as rivers unfettered by dams and natural obstacles, the course of life cannot be interrupted by mere tragedies of fate.  The problem is, of course, that the rest of the Federal bureaucracy — agencies, coworkers, supervisors, managers, etc. — does not have the patience to wait upon Federal and Postal employees during a daunting administrative process in which it is already known that, if successful, the Federal or Postal employee will be leaving the agency or the U.S. Postal Service.

So, what is the reaction during this administrative process?  Sometimes, it results in an administrative separation; more often than not, to simply allow the Federal or Postal employee to remain on LWOP and remain forgotten, lost in the maze of time immemorial.

In the end, it is life’s scarring which remains; how one has been treated; whether the burns of fate scorched upon flesh or memory were deliberate or through an uncaring indifference. No matter; as life’s scarring is like an organic monument of one’s test of endurance, so the manner in which one approaches the wound will determine the character of an individual.

Sincerely,

Robert R. McGill, Esquire