Federal Disability Retirement: The Glare of Another

What we do in response to outside stimuli; whether we flee, prepare to defend, aggressively pursue, or otherwise stand idle with resignation and do nothing; whither to stand in consternation or to wither without care; throughout, it is the glare of the world, whether by glint of sunlight upon objects surrounding us, or through another’s eyes which magnify the hostility abounding, which requires our tepid psyche to stir in turmoil.

The test of life is often not in others, but in ourselves.  By then, perhaps the fight is gone; maybe the slow and incremental shavings that took years to whittle away, manifest a pile of residue left behind, and forever depleting any reserve of response, or stir a final call to arms.

Life has a way of deadening the soul, but it is often the glare of another which provokes the stirrings of the remains of the day.  When driving, the sudden glare of sunlight results in a raised hand or reaching for the visor, without thought, in a protective mode; or a reactive temper arising in response to an offending pair of eyes directed with hostility and provocation; in either case, life stirs, and the vestiges of a fight thought lost and gone forever, return with a vengeance and a fury of energy and strength.  Don’t ever think that the battle is lost, lest surrender means giving in to cowardice and contemptuous cocoon’s of cornered avarice.

For Federal employees and U.S. Postal workers who daily suffer the indignities of harassment and malice at the hands of the Federal agency or the U.S. Postal Service, who have “given their all” throughout these years, decades and large sections of life and time, the need to file for Federal Disability Retirement benefits through the U.S. Office of Personnel Management can often be determined by the level of fight left in one’s self.  Like squinting an eye to examine the level of oil left by pulling out the long and flexible dipstick from the deep caverns of an engine hidden under the hood of a vehicle, the need to stop and examine one’s life represents a pitstop at a station of reserve.

Filing for Federal Disability Retirement benefits through OPM is not a surrender of any magnitude; it is, rather, a response which shows that necessity is recognized, that there is life beyond the “mission of the agency” or the “important work” of the U.S. Postal Service, and being treated in ways demeaning does not mandatorily correlate to one’s deteriorating health.

Preparing, formulating and filing for OPM Disability Retirement benefits, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, is not an indicator of one’s reserve of strength or vitality left in check, but rather the necessary response, thoughtlessly reactive or otherwise, when the glare of another hits the Federal or Postal employee without warning or prefatory contingencies, and when life and living are realized and identified as precious beyond mere voodoo of echoing motions set long ago in a time when youth beckoned beyond call of purpose.

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

Federal Worker Disability Retirement: The Deception of Being on OWCP

“But I am on OWCP,” the caller insists.  “But that wasn’t the question.  The question is, are you still on the rolls of the agency?”  “But OWCP has been paying me for the last 2 years and…”

The deceptiveness of being on OWCP and receiving payment from Worker’s Comp results in a feeling of security and lulls one into a sense of comfort.  But receiving OWCP/FECA benefits does not mean that one cannot be separated from Federal Service.  Indeed, many people continue to remain on OWCP rolls, receive the non-taxable benefit, and believe that, because they are on OWCP, this somehow means that they have not be separated from Federal Service.  Beware.  Be aware.  While on OWCP, if the agency moves to separate you, that means that you have one (1) year from the date of separation to file for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS.

Being “on” the rolls of OWCP does not stop, prevent, or otherwise interfere with the agency’s determination or right to separate the Federal or Postal employee in order to fill that position.  Then, of course, once a person is separated, and over a year passes, one can no longer file for Federal Disability Retirement benefits, whether under FERS or CSRS, if over a year passes by, because under the law (what is called the “Statute of Limitations“), a Federal or Postal employee must file for Federal Disability Retirement benefits within one (1) year of being separated from Federal Service.

Sincerely,

Robert R. McGill, Esquire

Federal Disability Retirement: OPM Disability & OWCP Disability (Continuing…)

A person who is on OWCP Disability payments — 3/4 of one’s gross pay if married or with dependents, or 2/3 of one’s gross pay if single without dependents – may well find the comfort of such payments and the security of such income to be relatively “safe”.  The old adage that one does not read the fine print during times of smooth sailing, and only begins to worry about issues when things go awry, is something to be kept in mind.  If a Federal or Postal employee is receiving OWCP Disability payments, and as such, one’s financial stability is somewhat assured because of it, that is precisely the time to be considering one’s future.  

OWCP Disability payments have a formal designation — it is called “Temporary Total Disability“.  The focus should be upon the first of the three terms — temporary.  It is not meant to be a permanent feature; OWCP is not a retirement system.  If placed on OWCP for over a year, the Federal Agency or the Postal Service will often separate and remove a Federal or Postal employee from the employment rolls of the Agency.  Once removed, the Federal or Postal employee has only up to one (1) year to file for Federal Disability Retirement benefits under FERS or CSRS.  Once that year passes, you cannot file.  Years later, when OWCP & the Department of Labor stop those “Disability payments” for whatever reason, you cannot then start thinking about filing for Federal Disability Retirement benefits under FERS or CSRS. You will be reminded that TTD stands for just that — Temporary Total Disability. It will then be too late.

Sincerely,

Robert R. McGill, Esquire