Tag Archives: when reaching full retirement with the federal government is more a dream than an option

The “Nuclear Option” after an Illness or Injury in the Federal or Postal Workplace

It is a parliamentary procedure justified by those who invoke it because the circumstances are of such dire contextual urgencies as to necessitate extreme measures.  Such urgency of action is often characterized in a vacuum — a declarative shrill of voices that such an option could not be helped because of the counteraction (or non-action) of the opponent.

Medical conditions have a true tendency to do just that.  Insidious in their inherent nature, they persistent despite every application of treatment modalities, leaving behind confounded minds who spent years and unaccounted energies and accumulated student debt in order to attain the medical knowledge to combat such conundrums of configured confusions.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s Federal or Postal job, the invocation of the nuclear option is often seen as filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS or CSRS.

Such a characterization is an acknowledgment that the option chosen is one of “extreme” measures, forced because of a lack of choice.  But that would be a misnomer.  For, the “extreme” measure taken would actually be the other options remaining: Stay with an agency and struggle each day while attempting to ignore the pain of progressive physical deterioration or the despondency of psychiatric turmoil, and continue to be subjected to the constant and persistent harassment by supervisors and coworkers; or resign, walk away, and have nothing to show for the years of invested sacrifices given to one’s Federal agency or Postal Service.

No — the “nuclear option” for a Federal or Postal employee who is considering filing for Federal Disability Retirement benefits through OPM is not the preparation and submission of a CSRS or FERS Disability Retirement application; rather, such an option is best characterized by the other options remaining.  In the end, it is how one characterizes one life, which forms the true character of the individual.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement for Federal Workers: GPS or Map Reading

Unforeseen consequences have become the expected norm; for, as technology progressively innovates, the quickened pace of advancement defies any allowance for thoughtful retrospection, leaving aside the need for anticipatory planning, as to the future impact of present actions.  Creating an antiseptic society which declares that simplicity of thoughtless actions is the goal to achieve, should anticipate a tremendous stunting of evolutionary progress.

For, if the theory of evolution is based upon environmental stresses which force microcosmic mutations, then what would be the reverse impact — when technology unburdens such stresses?  We no longer read maps; the GPS tells us where to go, when to turn, what street we are on, and when we have arrived.  We are daily told what to do; we need not figure out anything, anymore.  When we encounter a life-situation where our involvement and active participation is crucial to the success of an endeavor or process, the training which we have previously been given will reveal itself.

For the Federal or Postal employee who suffers from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s job, the process of preparing, formulating and filing for Federal Disability Retirement benefits, whether one is under FERS or CSRS, must by necessity be an active one, and not passive.  Decisions must be made; steps must be initiated; statutory and regulatory processes must be followed.

Life does not run the course of an electronic voice emitted by one’s Smart phone; some functions must engage the mind of the participant; map reading is still a skill which may be required, when the technology we relied upon fails to deliver.  Medical conditions have a tendency to stifle, and that is entirely understandable.  But the rest of the world continues to forge forward, and so do administrative processes, whether we like them or not.

In the end, the minor evolutionary mutations are never dependent upon any singular act of inaction; but the cumulative impact of a population waiting for direction can be altered by a single Federal or Postal employee who takes the affirmative step in preparing for his or her future by deciding to file for Federal Disability Retirement benefits — if not for the greater populace, then at least for his or her personal life.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement for Federal Workers: Achieving the Objective

We often hear of people striving to achieve “the good life”, or perhaps, sometimes it is characterized as the “easy life”; one of leisure, pleasure, lack of worries (financial or otherwise), and at least in evocative pictorial representations, surrounded by multiple beautiful people all with dentures which gleam with gaiety and unbounded mirth.

How one achieves such a state of ecstasy (by following directions provided), where it exists (some utopian tropical island which can only be reached via a private plane), when to begin (by calling a certain toll-free number), and what to do (respond to the advertisement within the specified time period offered), are somewhat murky, but belief in such an objective to be achieved keeps human hope alive.  Somehow, such predilections of a state of finality seem hollow in the face of reality; it is the latter with which we must contend on a daily basis; the former is merely a fantasy left for dreamers and fictional characters.

For Federal and Postal employees who face a medical condition, such that the medical condition impacts one’s ability to perform the essential elements of one’s chosen Federal or Postal vocation, there is little extra leisure time to engage in such phantasms of thought.  Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether one is under FERS or CSRS, takes a clear, analytical approach, and one which cannot be sidelined by daydreams of virtual realities in a hemisphere of utopian musings.  But, then, Federal and Postal employees who suffer from medical conditions and must contend with the agency’s hostile response to such matters, already understand the necessity of engaging reality versus the world of imagination.

While it is sometimes preferable to get lost in the parallel universe of ecstatic fantasies, it is always the harsh reality of this world which must be the ultimate objective of achievement.  Fantasies are left for those precious hours of sleep one can enjoy; the rest of the waking hours must be to tackle the reality of the real.

Sincerely,

Robert R. McGill, Esquire

Disability Retirement for Federal Government Employees: Rubik’s Cube

Why we spend so much time of our lives attempting to return and reattach ourselves to that which once was, is a puzzle of human nature.  Comfort zones and childhood safety sensations of warmth and security; and yet, often the reality is that, to cling to something gone is best left behind, and the romanticization of past events is the undoing of present paths of success.

The frustration of fiddling with Rubik’s Cube is an anomaly; once the cube has been rearranged out of the original order of colors, we spend countless hours attempting to return it back to its state of inception.  In life, as in virtual reality, as in the games we invent to whittle away time, we perpetually attempt to return to the origin.

For Federal and Postal employees who suffer from a medical condition, such that the medical condition prevents one from performing one or more of the essential elements of one’s job, that same characteristic of “holding on” to the security of that which we are fondly familiar with, is often the making of our own downfall.  While we try and return to the place of bygone days, the agency moves steadily forward, but without the baggage of romantic notions of loyalty and keeping to the past.

If you are not fully productive, they will find someone else who is or will be.

Like the repetitive attempts to solve the puzzle of Rubik’s Cube, the frustration of trying to change the lumbering course of an agency’s methodology of interaction with its employees will leave one to merely run on a treadmill which goes nowhere.

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether under FERS or CSRS, is an option which is available for all Federal and Postal employees who have the minimum years of service (18 months of Federal Service for FERS employees; 5 years of Federal Service for CSRS employees).

If attempting to solve the puzzle of Rubik’s Cube is performed merely as a leisurely exercise, that is a productive distraction.  If, on the other hand, it is a metaphor for engaging in the substantive labors of life, then it becomes an exercise of frustration leading to dire consequences of epic proportions.

Sincerely,

Robert R. McGill, Esquire

 

Disability Retirement for Federal Government Employees: Asymmetrical Lives

Asymmetrical systems are an important principle which dominates organisms and prevails in the world around us.  Symmetry involves balance and parallelism; a defiance through a counter-symmetrical eruption is normally an anomaly and deviation — a mutation in organic evolution which often results in extinction precisely because it is unnatural.

Humans live according to symmetrical principles.  Symmetry can involve a linear conceptual perspective; of a balance where childhood and youth is represented by X; young adulthood by Y; middle age with Z; and old age in retirement and calm.  But such a perception of linear quietude defies and ignores the realities of life’s disruptions.  Unexpected calamities, such as a car swerving into one’s path on any given day; being fired from a job because of an unforeseen reorganization at the management level; being inflicted with a medical condition such that the medical condition impact’s one’s ability to perform one’s chosen vocation; these are events which violate and infringe upon the linear symmetry we expect in our lives.

For the Federal and Postal Worker who suddenly finds that a medical condition is no longer allowing him or her to perform all of the essential elements of one’s job, the asymmetrical condition is in contrast to others who are healthy, as well as to the expected path of one’s own career.  But in the artificial civilization of man’s own environment, symmetry and its opposite are what we make of it.  Since we are the masters of our own destinies, lack of symmetry does not necessitate extinction of an element of mutation.

Thus, for the Federal and Postal employee, filing for Federal Disability Retirement through the U.S. Office of Personnel Management, whether one is under FERS or CSRS, is a viable option precisely because it is an administrative process which was created in order to allow for the potential eventuality that some workers may become disabled from being able to fully perform one’s job.

Federal Disability Retirement is a concept which works within the system of asymmetrical principles; taking full advantage of it is precisely the reason why it was formulated in the first place.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Medical Disability Retirement: The Universe of the Possible (Part II of II)

When avenues are closed off, the human psyche tends to shut down; and when grounds manifest fertile regeneration and bountiful splendor, the endless state of the possible opens like the gaping eyes of a child in excitable wonderment.  That is why internet companies attempt to artificially recreate atmospheres of creativity and prior glory days of unbounded imaginations.  But whether simulating a couch plopped in one’s basement or garage, and making it appear as if the environment is similar to those past dawns of tinkering with one’s imagination in the unheated, primitive conditions of one’s youth, is questionable.

For the Federal and Postal employee who is faced initially with a medical condition, such that the medical condition impacts one’s ability to continue in the vocation and career choice of one’s following, the limitations which the present condition places upon one’s future often seems daunting.

But there are options available.

Federal Disability Retirement allows for those options to open up; for, once the Federal or Postal employee obtains an approval for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, that (now former) Federal or Postal employee may go out into the private sector and earn up to 80% of what one’s former position currently pays, on top of the Federal Disability annuity. Many start their own businesses; others perform consultative work or work part time, thereby controlling the stresses and the extent of activity able to be tolerated within the restrictions of one’s medical conditions.

The avenue of the possible can only reopen once you recognize the reality of the probable; and in order to tap into the fertile imaginations of a brighter future, the roadblocks once observed must be moved in order to travel down the path of viable alternative routes.

Sincerely,

Robert R. McGill, Esquire

OPM FERS/CSRS Disability Retirement: The Hearty Laughter

Laughter is therapeutic; it is an expression, often spontaneous, responding to an event, a circumstance, a joke; sometimes, merely upon meeting an old friend and becoming flooded with reminiscences of mirthful times long ago.

It is a response of physical, emotional and mental totality; the body reverberates with joy and the echoes emanating from deep within; the flood of emotions are released; the mind becomes relaxed and unguarded.  Often, however, it is the eyes which are most telling.  Listen to a person laughing, and you may be fooled; watch a person’s eyes as he laughs, and it may reveal a dissonance which contradicts and raises suspicions.  For, laughter can also be the veil which attempts to conceal.

Similarly, in this economy of heartless efficiency, the Federal and Postal worker who must daily attempt to work through one’s pain or psychiatric condition in order to continue to work, despite suffering from a medical condition such that the medical condition impacts one’s ability to perform all of the essential elements of one’s job, there comes a point where the capacity to present one’s self contradicts the reality of what is actually occurring.

Most Federal and Postal workers are such dedicated workers that they continue to work through a progressively deteriorating medical condition to one’s ultimate detriment.  At some point, the dissonance and contradiction will reveal itself; and it is at such a crisis point when the Federal and Postal Worker comes to realize that Federal Disability Retirement benefits, filed through the U.S. Office of Personnel Management, must be considered.

Whether one should wait until that flashpoint arrives is an individual matter.  But like the hearty laughter emanating from the deep chasms of a person whose eyes reveal pain and sadness, the Federal or Postal Worker who continues to put on a brave face each day, knows that as all the world is a stage, the actors must one day face the reality of the world in which we live.

Sincerely,

Robert R. McGill, Esquire

FERS Medical Disability Retirement: Getting to Your Final Destination

Following a GPS can be a nerve-wracking experience.  Yes, there are ways to override specific elements; yes, you always have to be smarter than the technology which one utilizes; but since we have come to a point in our ordinary lives of placing reliance upon technological efficiency, the natural course of events is to simply enter the vehicle, punch in a destination point, and follow blindly.

It is a metaphor of how we operate in the world in all aspects of our lives; and while we like to engage in self-aggrandizements of how we are the highest beings in intelligence, innovation and inventiveness, the fact of our ordinary lives betrays the simplicity of our mindlessly habitual actions.

Following blindly a GPS is rarely the shortest route; it is never the most efficient way; and it is almost certainly not the road to be taken as the safest course.  Once there, of course, all questions about the manner of “how” one got there, disappears; but it is often important to consider the “how”, and not merely the fact that one got there.

Similarly, for Federal and Postal employees who are seeking to obtain a period of respite, it is important to consider “how” one will get there.  Trudging along and slogging through routes without considering the options and avenues will often result in the further deterioration of one’s health.  Mindlessly and repetitively doing the same thing will not advance an individual one iota towards the destination that one seeks.

Federal Disability Retirement is an option which should be considered, and whether one is under FERS or CSRS, it is an avenue which may be the singular road which effectively “gets there” for the Federal or Postal Worker who can no longer perform all of the essential elements of one’s job.  It is an option worth considering, but one which the Federal or Postal Worker must “override” the mindlessness of continuing in the same course as yesterday, and the day before.

Sincerely,

Robert R. McGill, Esquire

FERS & CSRS Disability Retirement for Federal and USPS Workers: Kierkegaard’s Either/Or

Life is often a series of disjunctions and bifurcation of choices; in mathematics and logic, such series of “either/or” options or “if and only if” algorithms provide a neat analytical explication of a problem.  But in daily living, numerical precision is replaced by a complex series of pragmatic decision-making options which rarely fit into a predetermined set of constants.

Soren Kierkegaard was a Danish philosopher of some note, whose work entitled, “Either/Or”, presented the stark choice of following a normative life governed by principles and ethics, or one of hedonism and self-interest. One might argue that there are always “middle grounds” where such choices overlap; but the clarified standards as presented allow for foundational paradigms to be followed; let life itself impart the complexities we create of our own making.

For Federal and Postal employees considering the important step of preparing, formulating and filing a Federal Disability Retirement application from the U.S. Office of Personnel Management, whether under FERS or CSRS, there is unfortunately a bifurcation of stark options.  For, as there are no short-term disability benefits available (unless it is a work-related injury, in which case one may file for FERS Disability Retirement Compared To OWCP; or some private disability policies), the choice is to either remain with the agency and the Federal system, and continue to deteriorate with the progressive decline of one’s health, or to file for a benefit (Federal Disability Retirement), where the medical condition must last for a minimum of 12 months and where one is separated from Federal Service upon an approval of an OPM Disability Retirement application.

The paradigms presented are clear.  The difficult part is in taking the necessary steps to choose between the disjunction of that which life presents, without getting caught up in the logical inconsistency of a world which believes itself to be rational, but acts in ways which are clearly contrary to its own normative constructs.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement for Federal Workers: The Circle of Questions and Answers

The tragedies befall frequently enough to make some correlative conclusions; of the athlete who fell short of the finish line; of the one who wanted to just make it one last time, only to become severely injured prior to completing the task; and others who become debilitated within the last 50 yards, or within the parameters of being “within reach” of the end.  This is likened to the Federal or Postal employee who has only a couple of years before full retirement.

Inasmuch as Federal Disability Retirement takes on average 8 – 10 months to obtain (from the start of the process of gathering the medical reports, records, etc., until a decision from the U.S. Office of Personnel Management), the question often becomes whether it is worthwhile filing for Federal Disability Retirement when one has come so close to the finish line.

Each case must be assessed and evaluated with the particular facts peculiar and unique to it; but questions of intelligent assessment should be applied, in order to reach an algorithm of rational conclusions:  When I reach the end (or, “if I…”), will my health be preserved enough such that I can enjoy retirement?  Is the reason why I am contemplating Federal Disability Retirement now, because I have in fact already reached the crucial flashpoint where I am no longer able to continue performing the essential elements of my job?  Is there a possibility that I will not in fact be able to endure the remaining X-number of years left before I reach full retirement?

Questions prompt answers; answers, even if preliminary and tentative, begin the process of further questioning; and so the circle of questions and answers begin to guide and resolve the issues which trouble the soul.

Sincerely,

Robert R. McGill, Esquire