Disability Retirement for Federal Workers: The Angle

Angles are formed by two rays sharing a common endpoint; or, alternatively, it is defined by an attempt to achieve an end through indirect or artful means.  Both definitions tend to share a common thread — of not being “straight” with the intended goal.

In the 1954 classic musical, White Christmas, starring Bing Crosby and Danny Kaye, there is a scene where Crosby notes that “everyone has an angle” — referring to the manner in which they were invited to review the duo sister act of the two eligible ladies in the movie.  While Crosby’s character in the movie had no problem with people having their personal angles in attempting to achieve an end, the rest of the world generally sees it quite differently.

It is precisely because there is a suspicion that hidden motives, unspoken intentions, and deliberately obfuscated reasons are veiled behind the overt actions of individuals, that people tend to be wary of others.  Newspaper stories abound with con artists; junk mail folders are replete with offers of bank transfers and “deals” to be made; and “free gifts” are rarely without strings attached.  It is because of suspicions of magnified proportions permeating our society, that the level of empathy parallels the societal degree of suspicion.

It is against such a backdrop that Federal and Postal employees who suffer from a medical condition, such that the medical condition impacts one’s capabilities to perform the essential elements of one’s job, that one must contend with the high sensitivity of societal suspiciousness.

With stories of fraud and abuse concerning Social Security Disability benefits; and with a stagnant economy and shrinking public sector funds, Federal and Postal workers under FERS or CSRS who must consider filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, must battle against the backdrop of daily societal interludes.

It is indeed unfortunate, but people now view everyone else from the vortex of one’s angle; and however steep the angle might be, may determine how skewed one’s vision is; but for the Federal and Postal employee who must file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, it is ultimately the facts which are on the side of the applicant, which will prove the day.

Sincerely,

Robert R. McGill, Esquire

Federal and Postal Disability Retirement: Future Reviews

I have had a number of inquiries concerning events which may or may not occur post-approval of a Federal Disability Retirement application, including a Medical Questionnaire or the extent to which Federal authorities may inspect or otherwise monitor a Federal Disability Retirement annuitant.  

First, let me state the obvious:  one should never engage in fraud.  That being said, remember that the benefit of a Federal Disability Retirement annuity under FERS or CSRS overtly encourages that one should remain productive and engaged in the workforce.  Disability Retirement under FERS & CSRS is designed to compensate an individual because of a specific disability from a specific type of job.  It pays less than other forms of compensation (i.e., Worker’s Comp) precisely because it encourages you to go out and find another job in another field, one which may be part-time (and therefore would qualify you because you could not perform a similar job on a full-time basis), or one which may utilize a different set of physical requirements; or one which may be “less intense” than your former Federal or Postal work.  

Sensational stories about Federal or Postal workers who have been arrested because of video-taped evidence of engaging in high-impact sports and recreational activities, or of individuals seen performing physical exertions beyond their “stated medical limitations“, almost always involve OWCP/Worker’s Comp violations.  Under OWCP rules, an individual is receiving “temporary total disability” benefits — and the emphasis must be focused upon the middle word — “Total” — as opposed to a FERS or CSRS Federal Disability Retirement annuitant, who is receiving a retirement benefit based upon his or her medical inability to perform one or more of the essential elements of one’s job, and is encouraged and allowed to go out and get another job making up to 80% of what one’s former Federal or Postal Job paid.  There is a vast difference between the two.

Sincerely, Robert R. McGill, Esquire

OWCP & OPM Future Reviews

There are horror stories:  of people on “disability” who are watched and video-taped, and after having 500 hours of taping, it is edited to show that, within a 2-minute period, it is revealed that you can indeed perform physical feats which your medical disability should restrict.

As an attorney who receives daily inquiries concerning Federal Disability Retirement benefits under FERS & CSRS, people relate such fears to me.  However, I am quick to remind such callers on two (2) matters:  First, such stories relate almost exclusively to Federal OWCP cases, which have nothing to do with Federal Disability Retirement under FERS or CSRS, and Second, the people I represent have legitimate medical conditions which impact and prevent one from performing one or more of the essential elements of one’s job.

There is also an additional Third element in the issue, Federal Disability Retirement annuitants are allowed, under the law, to go out and get another job, and to work and make up to 80% of what his or her former position currently pays.

Now, obviously, any such job should be essentially different, in many ways, from the former job.  But the point is that the medical disability under FERS or CSRS is intimately wedded to a particular job, and the inability to perform the essential elements of that particular job.  That is where the difference lies between Federal Disability Retirement rules under FERS & CSRS and OWCP cases — the former allows one to continue to remain productive in the workplace; the other does not.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Disability Retirement: The OWCP Paradigm

One may choose OWCP benefits because, financially, it pays more (75% non-taxed for an individual with dependents; 66 2/3% for a single individual) than a Federal Disability Retirement annuity.  It is a pragmatic paradigm to rely upon for the immediate time-frame; however, it is not a practical paradigm for the future.  Obviously, one should obtain an approval from the Office of Personnel Management for one’s disability retirement, concurrently with receiving OWCP temporary total disability payments.  However, upon an approval from OPM, you need to elect between the two — because you cannot be paid by both concurrently.  Many people (rightly) choose to remain on OWCP and keep the OPM Disability Retirement annuity in “limbo or annuity purgatory” — again, because OWCP pays more.

However, as a paradigm for the future, it should not be relied upon forever.  This, because OWCP is not a retirement system.  Instead, it is a system of allowing for payment during a time of occupational disease or injury, for a person to be able to recover from such an injury.  While on OWCP benefits, however, you cannot work at another job (unlike under FERS & CSRS disability retirement); in fact, if you engage in too many physical activities similar to those which you might do at work, you may find that you will be criminally charged for “fraud”.  This has happened to many people, and it should frighten anyone who is on OWCP.  In such cases, you will often find that you have been videotaped over hundreds of hours — but the “edited” version upon which OWCP investigators charge you with, will be a video clip of about 5 minutes.  Next:  Why OWCP is not a good paradigm for one’s future.

Sincerely,

Robert R. McGill, Esquire