Early Medical Retirement for Federal Employees under FERS or CSRS: The Big 3

In basketball, it referred to the unstoppable trio; although, with the recent addition of Durant, it becomes a crowded foursome.  In baseball, of course, with whatever home team you rooted for, the term represented the first three in the lineup, with the fourth allegedly reflecting that force who would bring the spectators up onto their feet for that anticipated grand slam.  And in the third major sport?  It might refer to the quarterback and his 2 favorite receivers, or the bookends on defense with a linebacker thrown in.

Americans love triplets; whether in sports, where a fourth can never quite squeeze in despite there being nature’s four seasons; or in government institutions, where the three branches of government remain ensconced in the conscience of a collective citizenry, despite the need for that ineffective fourth estate which is meant to oversee and investigate.

In other areas, of course, the reference to “the Big 3” may be somewhat esoteric — as in the realm of hermeneutics, where the dominant theologians were once comprised of Barth, Bultmann and Bonhoeffer.  They could, by alliteration, be collectively grouped as “the 3 Bs”, but because of their relative lack of media anonymity and disparate connections, except for their European origins and the combined deconstructionism based upon dialectical theology and demythologization of the sacred text, here again we find a triad of untold force.  Of course, they never played on a basketball team, nor represented a cycle of sports spectatorship; instead, their impact was to alter the manner in which theology was approached.

Only one of them — Bonhoeffer — was executed; but not directly for his liberal theology, but for his staunch vocalism against the Nazi regime and an alleged involvement in a thwarted plot to assassinate Hitler.  In these days, history rarely marks the ghosts of those who never received the accolades of media notoriety, and “The Big 3” almost always engenders reactions to sports references.  But there are other arenas of substantive discourse, as well.

In Federal Disability Retirement law, “The Big 3” would invoke the tripod of the Federal Retirement System — of the FERS Retirement, Social Security benefits, and the Thrift Savings Plan, and the interplay between the trio.  The first in the three can be “tapped into” early, by filing a Federal Disability Retirement application, which pays 60% of the average of one’s highest-3 consecutive years of service, then 40% every year thereafter, until age 62, at which point the Federal Disability annuity gets recalculated into a “regular” retirement.

Of the second, there is an interplay and an offsetting feature between Social Security and FERS Disability Retirement, but only if the Federal or Postal employee becomes concurrently qualified with both FERS Disability Retirement and Social Security Disability Insurance.  As for the third rail — the Thrift Savings Plan — it can remain in the same investment device after a FERS disability retirement is approved, but should probably not be accessed until a later age, for obvious tax reasons.

Throughout history, words have been elastic and malleable, but relevance is often determined not by the substantive meaning of a staid concept, but by the perspective of the audience.  With that in mind, “The Big 3” isn’t always about LeBron James and what other 2 players he may be joined up with; sometimes, it can refer to Barth, Bultmann and Bonhoeffer, or even to the triumvirate of a FERS Disability Retirement.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Medical Retirement System under FERS or CSRS: The footnote

Who reads them, anymore?  Defined as an ancillary or corollary piece of information beyond that which is stated in the body of the main text, the footnote represents that which reflects an addendum and not something that is considered “required reading”, but more likely for the benefit of those who enjoy quixotic minutiae and esoteric details of irrelevant import.*  As referenced in history, one who is relegated to the afterthought failed to reach the first order of things, and their lack of relevance is reflected by banishment to the bottom of the page.

Before computers were invented, long before the notion of “cut and paste” defined the laziness of intellectual prowess, the writer had to engage in prescient forethought, and calculate by measured deliberation the space to leave, the length of the footnote, and whether there was enough white-out left in the crusted bottle to make up for any lack of proper preparation.

The pretentiousness of the pseudo-intellectual, of course, was to have footnotes of greater length than the body of the text itself, spanning multiple pages so that the reader would become confused as to what constituted relevance in contrast to signification of purpose, where some pages barely had a sentence with but a horizontal mark demarcating the onerous esoterica of erudite irrelevancy.  And the worst, of course, is when a teacher or professor would ask a test question based upon one; for, again, the common refrain was twofold:  Who reads them?  Were we required to read them?  And the scoffing retort from the test-giver — that god amongst gods who held grades, fate and future plans in the palm of a single hand: If it was in the assigned material, it was “required reading”.

Much later, of course, we came to realize that “it was really good for us to read them” (though we never really believed such inane confessions), or to our own children, “When I was your age, and computers weren’t yet invented…” (with but a reactive facial expression beyond capacity to translate).  In the end (literally and figuratively), we all realize that the footnote itself represents mere distractions upon an otherwise ordered pagination of an author’s meanderings, and for ourselves, that they reflect a metaphor of who we are.

Most of us are treated as mere footnotes, left unnoticed, disregarded except for occasional reference by accident or happenstance.  For the Federal employee or U.S. Postal worker who has come to a point in his or her career, where a medical condition has progressed to a deteriorating consensus of requiring an alternative plan of action, being treated as a footnote within a subtext of irrelevancy amongst a sea of bureaucratic inefficiency, is likely a feeling of growing concern.

As footnotes are deliberately disregarded, so the majority of people are like those masses of addendum relegated to unnoticed details of sub-citizenship.

Filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management will often elevate one’s status and stature for a time, if only because the Agency or U.S. Postal Service is suddenly forced to read the footnote, and take notice of the subtext; but beyond that, it is the medical condition itself which relegates the Federal or Postal employee to that numbering at the bottom of the page and left to irrelevancy, precisely because you are not one of the “productive” ones.

How does one force the “outside world” to “read” you?

In the end, there is life beyond a career with the Federal Agency or the U.S. Postal Service, and filing for Federal Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is merely a first step in getting beyond being relegated to a mere footnote.

As with those generals who served alongside Eisenhower, Grant, Lee and forgotten Roman centurions, most of us are mere footnotes, and glad of it for the unnoticed joys we can embrace in the anonymity of our privacy, and for the Federal or Postal worker who wants to get beyond the notoriety accompanying that unwanted attention for merely having a medical condition — and thus temporarily assigned to the body of the “main text” for being a nuisance — preparing, formulating and filing an effective Federal Disability Retirement application with OPM is often the first step towards asserting one’s rights to getting back to the footnote of time and timelessness, where most of us want to remain, in the cocoon of irrelevancy and historical afterthoughts.

 


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*Footnote 1:  Just to make sure; otherwise, refer to page 3,275 herein, where you will be required to obtain a special password and key in order to access a pseudo-intellectual forum of erudition within an ivory tower of confounding thoughts, for further reference to important commentaries otherwise pretentiously inserted in order to appear intelligently cogent.

 

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Sedimentary Structures

In interpreting geological formations by natural deposits involving complex strata of ahistorical significance, we are better able to conceptualize the environment, the impact of changes by weather, temperature vicissitudes, and organic alterations whether man-made or neutral in their deliberations. River flows and their swirls of changing directions; droughts, sudden floods, or the soft and natural flow of a forming inlet; these all impact and influence the sedimentary structures which form over time, unnoticed to an ahistorical perspective.

Why do we care of such things?  In the silence of nature and the flow of time, where a fallen tree downed by the directional change of forceful erosion, what difference does the depositing of dirt have upon the salience of human civilization?  As with most things of significance and import, it is the analogy discovered, the metaphor spoken, and the connections we encounter within the linguistic tissues of form-to-thought, reality-to-subjective insularity, and the utter abandonment of the correspondence theory of truth, which make for interest and relevance.

The way we think; our outlook on life; whether we retain a hopeful sense for tomorrow or a bitter despondency lost in yesteryear’s calamity of chosen obsessions; these, in their aggregate, formulate the apothecary of our lives. Building a dam; obstructing the natural flow; altering whether it is multi-directional or unidirectional; these all influence the coalescing of sedimentary structures. By recognizing how stratification of certain minerals dominate over others, we can acquire an abundance of wisdom in protecting our own health and wellbeing.

For Federal employees and U.S. Postal workers who have come to a point in his or her Federal or Postal career, where a medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal positional duties, it is well to behoove the natural formulation of sedimentary structures — and their relevance upon our perspective and insights.

Sedimentary structures form in certain ways, because we fail to be the vigilant gatekeepers of and for ourselves; and preparing, formulating and filing an effective Federal or Postal Disability Retirement application, to be filed with the U.S. Office of Personnel Management, whether the Federal employee is under FERS, CSRS or CSRS Offset, is often the first step in making sure that of the deposits we make in life, living and of unwanted soil within our field of fertility, we must first observe the natural flow around us before determine the best course of action in order to preserve the richness for future stratification of sedimentary accumulation.

Sincerely,

Robert R. McGill, Esquire