FERS & CSRS Disability Retirement for Federal and USPS Workers: Subtraction

The principle of abundance implicates progressive and unending addition, resulting in the exponential explosion of accumulation; and in a society which preaches acquisition as the hallmark of success, the reversal of that idea — of subtraction — is anathema and constitutes a failed life.  Subtraction is to do without; and the reduction of acquisitions is considered tantamount to failure, where success is measured in terms of the quantity one possesses.

The young man begins life with little more than change in his pocket; and from there, the trajectory of what is considered a qualitative life means that there is always addition, as opposed to subtraction.  That is why it is difficult to accept stoppage, or negation, and lessening; because the normative value we accept from the beginning is tied to accumulation.

For the Federal and Postal Worker who suffers from a medical condition such that the medical condition begins to impact one’s ability to progress in one’s career, it becomes a difficult time because sacrifices must always be made, and the negation of progressive accumulation becomes a fact of life.

But one must always look upon such events in their proper perspective, and filing for Federal Disability Retirement, whether the Federal or Postal Worker is under FERS or CSRS, through the U.S. Office of Personnel Management, is often the first positive step.  It is the stoppage to the trajectory of decline, and allows for the Federal or Postal Worker to stabilize a chaotic situation, and to move forward with some semblance of financial security, and the hope that a new career or vocation may be entered and engaged down the road.  For, Federal Disability Retirement allows for the annuitant to earn income up to 80% of what one’s former Federal or Postal position currently pays, in addition to the receipt of one’s OPM Disability Retirement annuity.

Subtraction for the Federal or Postal employee need not be forever; to live without is merely a temporary situation, and the trajectory of the modern success principle may be reinvigorated yet.

Sincerely,

Robert R. McGill, Esquire

FERS & CSRS Disability Retirement for Federal and USPS Workers: OWCP Dilemma

Benefits received through FECA (Federal Employees’ Compensation Act), administered through the Department of Labor and otherwise known under the acronym of OWCP, provide for temporary total disability compensation during the time that a Federal or Postal employee is injured and is unable to go back to one’s former job.

It pays well.  The problem, often, however, is that it pays well enough just to maintain a person to prevent him or her from drowning.  This dilemma is highlighted by the fact that a Federal or Postal employee who is receiving OWCP benefits (scheduled awards excepted) is unable to work at a job (with some exceptions regarding a person who had already been employed at a second job when injured at his primary vocation) or receive additional earned income.

Federal Disability Retirement benefits, on the other hand, whether under FERS or CSRS, allows for earned income up to 80% of what one’s former position currently pays.

While the Federal or Postal worker is allowed to concurrently file for, and get approved, both Federal OWCP benefits as well as FERS or CSRS Disability Retirement benefits, if both are approved, you must choose between one or the other approved benefit, and allow the unchosen one to remain inactive.

While FERS & CSRS Disability Retirement benefits, filed and obtained through the U.S. Office of Personnel Management, pays less than OWCP benefits, it is the added advantage of being able to work at another vocation which makes it more attractive.

It is like the difference between a shipwrecked victim who can hang onto a small floating device as opposed to a raft with oars; while the former allows for survival, it is the latter which will ultimately take one to the destination of final fruition.

Sincerely,

Robert R. McGill, Esquire

Medical Retirement for Federal Workers: Taking the Longer View

The converse viewpoint of the short-sale, or short-term view, is the obvious:  to look to one’s future with a long-term view, which often takes self-discipline in ignoring the short-term gain.  In preparing, formulating and filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, it is often difficult to disregard the attraction of OWCP payments, and to instead plan for one’s future by opting for Federal Disability Retirement benefits from OPM.

Under FECA/DOL, OWCP pays 75% of one’s Federal or Postal salary tax free (if one has dependents), and 66 2/3% without dependents.  That is a sizable compensatory attraction.  However, with limited exceptions, when one is under the thumb of OWCP, you:  A.  Cannot work at another job, B.  Must do what OWCP says in order to continue the benefit, C.  Must be careful, as the watchful eye, especially in the form of a video camera, may be anywhere and everywhere, and D. Will likely be subjected to second and third opinion doctors, as well as a nursing case manager, to try and expedite your return to your job.

Ultimately, OWCP is not a retirement system, and the job of the Department of Labor is to get you back to your former job as quickly as possible.  OPM Disability Retirement, on the other hand, is a compensatory system whereby one is encouraged to go out and begin anew.  The long-term view is often the harder road to take; it is, however, meant to reward one for a lifetime, as opposed to a momentary and fleeting memory which will end soon enough.

Sincerely,

Robert R. McGill, Esquire