Tag Archives: yes you can keep medical insurance after opm medical ret

FERS Disability Retirement: The Dream Fading

The two primary meanings of such a concept: Of awakening, and there is a mist of sleepiness and a vague memory of dreams dreamt; but if one fails to pause for a moment to capture the dream, to think about it, cuddle with it, hug and embrace it; and instead, we often say to ourselves, “Oh, let me remember it later” and go on with our morning chores, only to never regain the dream fading.

It is like the elusive elf or fairy; unless we take the time to seek them within the deeper forest, they disappear, never to return.

Then, of the second meaning: Of our hopes and dreams; of a world slowly descending into madness, and with it, the dream fading.

Sometimes, some things are best ill-defined; for, to define something is to forever capture it and contain it, restrict it.  That is why many “primitive” cultures refused to have their photographs taken; for, to have a picture taken is to have your image captured and imprisoned; and worse yet, to then have the photograph later “framed” is to have the imprisonment further boxed into a restraining enclosure of permanency inescapably determined, as fate without hope of options.

And so, when we talk about a person’s or a society’s “dreams”, it is best to leave it undefined so as to give it room for the imagination.

Do all peoples, civilizations, societies and communities have “dreams”?  Do all parents everywhere and all across the spectrum have “dreams” for their children?

In both and either conceptual constructs, the key is to embrace it upon awakening — before it fades, before it becomes imprisoned into the nether world of forgetfulness.  The Dream fading — before it does, grasp it, embrace it, hold it tight.

For Federal employees and U.S. Postal Service workers all across the world who once had dreams of an extended and successful career with the Federal Government, it may seem like a dream fading when your medical conditions impact you and prevent you from continuing in your career.  Yet, always remember that there will be another night of dreams and other opportunities for dreaming.

FERS Disability Retirement is not an end in and of itself, but rather, a “beginning” of sorts — of allowing you to regroup and to dream beyond your present career.

Contact an OPM Disability Attorney who specializes in Federal Disability Retirement Law, and let not last night’s dream be the one you forgot, or tonight’s dream you failed to remember; rather, let tomorrow’s dream be the one which establishes a greater future for another day.

Sincerely,

Robert R. McGill
Lawyer exclusively representing Federal and Postal employees to secure their Federal Disability Retirement benefits under FERS from the U.S. Office of Personnel Management.

 

OPM Disability Retirement for Federal Employees: The Stresses of Life

And there are many.  Whether the mere acknowledgement of their existence helps to reduce the level, quantity and qualitative impact, is of course an unknown factor.  Psychology is not a perfect science — if in fact it is a science at all — and “talk therapy” may not be the course of efficacious betterment for everyone at all times and in all circumstances.

We were all told that life would get better if: If the world became more “connected”; If new drugs were discovered to control our stresses and anxieties; If a certain standard of living were to be achieved; If …. Yet, somehow, despite all of the technological advancements which have been made, of “time-saving” devices and gadgets which enhanced our capabilities to become more productive — somehow, the stresses of life seem to exponentially compound our problems.

For Federal employees and U.S. Postal workers who suffer from a medical condition — perhaps with an identifiable onset from the stresses of life — Federal Disability Retirement may be an option to consider.

Consult with an OPM Disability Lawyer who specializes in FERS Disability Retirement Law, and begin the process of shedding yourself of at least one of the unwanted stresses of life: Dealing with the U.S. Office of Personnel Management in trying to obtain an approval of a Federal Disability Retirement application.

Sincerely,

Robert R. McGill, Esquire

 

Postal & Federal Disability Retirement: Restraining the Panic

Panic is the button we want to always restrain and contain; for, once pushed, it can lead to areas and consequences we cannot predict, and actions that can harm; for, in the end, panic is a response into the universe of the irrational, as fear is the propellant which feeds upon survival.

One may feel “panicky”; or, a sense of panic may slowly creep upon us.  It is that moment between fight or flight, or of sensing the irrational overtaking the rational — whatever it is, it needs to be restrained, and the best way to do it is to seek guiding counsel to resolve the triggers which lead up to that point.

For Federal employees or U.S. Postal workers who are suffering from a medical condition such that the medical condition prevents you from performing one or more of the essential elements of your Federal or Postal job, perhaps you have come to a point of near panic.

Consult with an OPM Disability Attorney who specializes in FERS Disability Retirement Law — whether you are just beginning the process of preparing a Federal Disability Retirement application, or have been denied at the First Stage of a FERS Disability Retirement application already submitted, or even if you have been denied twice and need to file an appeal to the U.S. Merit Systems Protection Board.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement: The memory of greener pastures

Are memories faulty, and are they so for a purpose?  Does the human psyche selectively extrapolate the positive and repress the negative precisely in order to preserve an optimism that will incentivize survival?  If our memory banks retain a pessimism such that the overload of negative images cumulatively dominates, wouldn’t the subtle forces of depression set in to overwhelm us?

The memory of greener pastures — are they true in an objective sense, or only in the selective and myopic perspective that has filtered the negation of subjective desires?  Was childhood as innocent as we remember?  Were the ice cream cones on a hot summer’s day better then, and the wintry winds of Christmas Eve so filled with anticipation of glee that yesterday’s joy was tenfold the truth of untold lies?

We do tend to remember the summers of yesteryear, and of thinking that the lights across the street glow a warmth of love and fidelity; and yet, we know that the room within which we stand is likely a reflection of a reality no lesser, nor no greater, than the greener pastures across the way.  Except when a medical condition hits us.  Then, the memory of greener pastures always reflect the “before” — before the condition worsened; before it began to impact my work; before it became a chronic condition.

For Federal employees and U.S. Postal workers who suffer from a medical condition such that the medical condition prevents the Federal or Postal employee from performing one or more of the essential elements of one’s Federal or Postal job, it is often the memory of greener pastures that finally prompts the Federal or Postal employee into preparing, formulating and filing an effective Federal Disability Retirement application, to be filed with the U.S. Office of Personnel Management under FERS.

For, the greener pastures that once were can still be those of tomorrow, but only if the focus of one’s life can attend first to the medical condition itself, without the greater burden of work and the harassment and constant hostility of the Federal Agency or the U.S. Postal Service.

To preserve and hold sacred the memory of greener pastures is to prioritize the things that we hold dear and important, and one’s health should be at the top of the list of such priorities.  Protect it by preparing, formulating and filing an effective FERS Disability Retirement application, to be filed through OPM so that those memories of greener pastures in yesteryear’s childhood joys will not be subsumed by the worries of one’s deteriorating future.

Sincerely,

Robert R. McGill, Esquire

 

Federal Employee Disability Retirement: The little pleasures in life

One often suspects that the concept itself was invented by the wealthy and scornful — perhaps in some back room where caviar and champagne were being served, and someone whispering, “Let the little people have some little pleasures in life…”.  It is that which we are prevailed upon to believe as the ultimate contentment of life: of the “little pleasures” that pass by as the greater significance, as opposed to owning an original Monet or a Renoir.

Is it all bosh?  Does sitting alone with a fresh cup of coffee before the din of life invades — can one glean any greater pleasure than that very moment of quietude just before?  When one stands in those rare moments of uplifting insights — as when, on a clear and darkened sky, you look up and see the trail of a shooting star — does the fact that everything else in the world seems to be falling apart make up for it because you suddenly realize the majesty of the colorful universe above?  Or of a playful lick from your pet dog, the squealing laughter from a child’s joy, and even of the simple pleasure of reading; do these bring greater pleasures than caviar and the roar of a yacht’s engine?

Perhaps there is truth in the admonition of the wealthy that little people should be allowed to enjoy the little pleasures in life; otherwise, what would we all be left with?

For Federal employees and U.S. Postal workers who suffer from a medical condition, where the medical condition begins to prevent the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, the little pleasures in life will often have become the greater tragedies of reminders — reminders that you cannot even do those things you once took for granted.

When that critical juncture of realization comes about, then there is often the further recognition that it is time to prepare, formulate and file for Federal Disability Retirement benefits, to be submitted through the U.S. Office of Personnel Management, in order “go back to the basics” — of prioritizing one’s health as opposed to work and career; of regaining the little pleasures of life, like having a restful sleep without the interruption from pain or anxiety.

For, in the end, whether born of wealth and privilege or of ever struggling to meet a bill, it is truly the simple pleasures of life that provide for the foundational clarity of truth in a world that promotes falsity that becomes revealed when the importance of one’s health comes to the fore.

Sincerely,

Robert R. McGill, Esquire

 

Legal Representation for OPM Disability Retirement Claims: ‘To’ and ‘For’

What would be the difference if, in the title of Willa Cather’s novel, “Death Comes for the Archbishop”, she had instead chosen to use the word “to” in replacement of “for”?  Would empires have fallen, world wars have been averted or earthquakes and other natural disasters have been delayed?

Likely, not; but would the countless minds that have encountered the novel, enjoyed its beautiful prose and admired its humanity and warmth in the telling of a tale of a time long past and a period now gone — would anyone have even noticed?  Is there a difference with a distinction: “Death Comes for the Archbishop” as opposed to “Death Comes to the Archbishop”?

Some might dismissively declare, “In any event, the Archbishop died, didn’t he?”  The subtlety of distinction — should it even be brought up?  Would that the title was of the latter instead of the former — would anyone have even noticed?  Is there a grammatical point of difference; is one “more” correct than the other?

Certainly, the “sense” that is employed exists — where, the “to” has a much more objective and distant, impersonal “feel” to it, whereas the “for” personalizes it, gives it warmth, almost as if “death” is a person as opposed to an event, and the “for” makes it a personal possessive as opposed to the “to” that connotes an arms-length relationship between the object and subject.

Are the prepositions interchangeable?  If a person is stricken with grief over a tragedy and a close friend arrives to provide comfort and says, “I came for you”, it would be a statement that would be considered heart-warming.  If, under the same circumstances, the person instead declared, “I came to you” — would we, again, mark the difference or even notice?  It is, certainly, a statement of objective fact — the person objectively traveled and arrived at destination Point B from origination Point A.

Again, the subtle distinction — the “for” connotes a greater personal warmth as opposed to a simple statement of fact.  It is, in the end, the subtle differences that sometimes makes the entirety of a distinction that makes the difference.

For Federal employees and U.S. Postal workers who suffer from a medical condition, such that the medical condition prevents the Federal or Postal worker from performing one or more of the essential elements of one’s Federal or Postal job, the distinction between “to” and “for” is often the difference between living a life worthwhile and one that remains cold and impervious.

Human beings are often careless in their personal relationships; and the test of such caring or uncaring attitudes will often surface when a person is going through a trial or tragedy, and preparing, formulating and filing for Federal Disability Retirement benefits through the complex and impersonal administrative process of the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, will often test the workplace relationships because of the self-interested motives that exist with agencies and the Postal Service.

Some coworkers, supervisors and others will distance themselves immediately, and they will remain in the category of the “to” people; while other coworkers, managers, supervisors, etc., will surprisingly be there “for” you.  Willa Cather chose the preposition “for” over the “to” because she was an excellent author, and it is the excellence of a human being that is revealed in the subtle differences we often overlook.

Sincerely,

Robert R. McGill, Esquire

 

Medical Retirement under FERS & CSRS: Technically correct

What does a person mean when it is said, “Yes, that is technically correct”?  Does it matter where the inflection resides, or which part of the statement is emphasized?  If greater syllabic magnification is placed on the word itself, whilst the remainder of the sentence is left in a monotone of boredom, is something else being conveyed beyond the mere words declared?

What if the hesitation on the first word is elongated, as in, “Ye-e-e-s, you are technically correct.”?  Or, how about this one:  “Y-e-e-e-s…you ARE technically correct.”?  Further, why do we always expect a conjunction to follow, as in, “Yes, you are technically correct, but…”?  Does such a sentence imply that a person can also be un-technically correct?  If so, what would that mean and what factors would be included in coming to such a conclusion?

What practical or real-life consequences are inherent in the truth of such a statement, such that it might alter or modify our approach to a given subject?  If an engineer is building a skyscraper and turns to the architect and says,” Yes, you may be technically correct, but the entire building could nonetheless collapse” — how is it possible that the architect could be “technically correct” yet mistake the un-technical side of things such that it could result in a life-threatening disaster?

Or, in law, if a lawyer is “technically correct” but might nevertheless lose a case before a jury, does that mean that the “technical” argument in the law may not carry the day because the jury might take into consideration factors other than the law itself in rendering its collective decision?  Yet, isn’t “the law” nothing more than an aggregate of technicalities to begin with, and therefore, does it even make sense to speak of being “technically correct” within the purview of the legal arena?

For Federal employees and U.S. Postal workers who are contemplating preparing, formulating and filing an effective Federal Disability Retirement application, to be technically filed with the U.S. Office of Personnel Management, whether technically under FERS, CSRS or CSRS Offset, it may be technically correct that certain legal criteria must be technically met; however, when putting together a Federal Disability Retirement application, just remember that the technically sufficient Federal Disability Retirement application should always, technically speaking, contain an aggregation of medical documentation, legal argumentation and personal narrative combined to make an effective presentation, better guided by a legal technician otherwise known as a counselor, attorney or lawyer in this technically empowered universe — technically speaking, of course.

Sincerely,

Robert R. McGill, Esquire

 

FERS & CSRS Disability Retirement: The changing straw

The “straw that broke the camel’s back” is a known idiom that essentially reveals to us the last in the series of incidents or actions that cumulatively result in the destruction of the whole.  What in the series preceding the last straw; of what weight and import; to what significance may be attributable, we rarely focus upon; it is the last one in the series that we focus our attention upon, precisely because we assume that it is the causal connection to the event that conclusively occurs with a finality of actions.

Yet, as Hume would point out, the fact that a “final straw” placed upon the camel’s back resulted in the next event following, does not establish a causation where that final straw was in fact the cause before the effect.  It merely shows us that X occurred prior to Y’s conclusion.  If a rooster awakens and makes his morning call and the sun rises upon the horizon, and thereafter an earthquake shakes the foundation of the planet, do we conclude that the rooster was the final straw, or that the rising of the sun “caused” the tectonic shifts beneath?

No – the idiom itself, of course, is not meant to be analyzed in that manner; rather, it is a “saying” that merely denotes that, upon a series of events, issues or actions, there comes a boiling point of finality where enough is enough.  But the evolution of societal norms does, indeed, allow for the straw to change over time.

Once upon a time, people “stuck it out” and remained married – if only to keep one’s vows, or for the “sake of the children”, or perhaps some other noble purpose.  Now, the “straw” that results in a divorce has changed – it can range from “failing to communicate” or even because one spouse has gotten bored of the other.  With that changing straw, people tend to tread lightly, given the low threshold of tolerance.  Law is somewhat like the changing straw – perhaps not the substance (although that can change through legislative action), but certainly the application.

For Federal or Postal employees who are considering filing for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, whether the Federal or Postal employee is under FERS, CSRS or CSRS Offset, the issue to always be kept at the forefront is the changing straw throughout – what is the “straw” at work which will help make the decision?  What “last straw” is needed before the cumulative effects of the medical conditions persuade you to realize the need to file?  What “straw” of the law needs to be applied to persuade as to the viability of one’s Federal Disability Retirement application?

There are many “last straws” in life, and much of them change as time goes on; the law, however, remains fairly constant, except for the “last straw” of legal opinions that often alter the landscape of substance and applicability.

Sincerely,

Robert R. McGill, Esquire

 

Federal Disability Retirement Lawyer: The Disadvantage of the I-Thou Perspective

People tend to expect the best results; and when a Federal or Postal employee files for Federal Disability Retirement benefits through the U.S. Office of Personnel Management, the applicant who is unrepresented and prepares, formulates and files the Federal Disability Retirement packet on his or her own believes that an approval is forthcoming at the First Stage of the Process.  Yet, often unaware and unbeknownst to the Federal or Postal applicant, the lack of separation between the I-Thou construct fails to provide a proper perspective of objectivity.

Allow me to expand and explain:  As the Federal or Postal employee who experiences the medical condition (the “I”) is the same person who prepares, formulates and files the Medical Retirement application (the “thou” from the perspective of the U.S. Office of Personnel Management), any sense of objectivity is often lost because the I and the Thou are one and the same person, and the Federal or Postal employee who experiences the medical condition is simultaneously the same one who is seeking an approval of the OPM Disability Retirement application.

Of course, that same scenario is repeated even if the application is filed through a Federal Disability lawyer (in the sense that the Federal or Postal employee still seeks to obtain an approval from OPM) with one major exception:  there is another “thou” perspective included and involved — that of the Federal lawyer representing the Federal or Postal employee who is seeking to have a Federal Disability Retirement application approved.

Objectivity is a crucial component of a Federal Disability Retirement application; that is why so many “silly” mistakes are injuriously embraced without self-knowledge or with disengaged awareness.  It is like the cook who loved the taste of arsenic, and thought that everyone else should as well; and so he sprinkled the deadly poison onto his own food and enjoyed the taste of his own creation, only to slowly die from the feed of his own foolishness.

There are many “kinds” in the arena of foolish endeavors:  There is the “quantitative approach” (“I sent them thousands of pages of treatment records”) which fails to ask the question, Who will read it all?  There is the “trusting soul”:  “I just signed a release and had them send it all directly to my Human Resource Office”.  Then, there is the person of naive disbelief:  “How could they not approve it with the medical conditions I suffer from?”

The problem with all of these is the lack of objective perspective; the I-Thou connection is now given the distance, separateness and objectivity necessary to determine the viability and effectiveness of each and every piece of the puzzle needed to put together a proper Federal Disability Retirement application.  Are there ever any guarantees in life?  No.  Can a lawyer who specializes in Federal Disability Retirement laws make a difference?  Yes.

Fortunately, unlike the metaphor arising from the cook and the salsa of arsenic, there are multiple stages within the administrative process of pursuing Federal Disability Retirement benefits through OPM, and a denial at the First Stage of the bureaucratic pathway is not irreversible, and does not result in the inertia of life rendered by ingestion of substances otherwise tasty but harmful.

Sincerely,

Robert R. McGill, Esquire

 

OPM Disability Retirement: Ends and Beginnings

One can be pensive or mournful about it; anxiety levels likely attach to either event; one is described and defined as the conclusion and afterthought, the other, as a preface or introduction.  The end of an event necessarily results in change, as does the beginning; and perhaps it is merely a circularity of unending infinity, or a linear continuum which extends beyond the horizon of concavity.

It is merely in our own minds where bifurcations occur; our Kantian imposition of space, time and categories dividing the noumenal world into sectional differentiations and groupings which we, in our subjective states of perceptual uniqueness, view and encounter the world “out there”.  Thus do beginnings and ends, ends and beginnings, impact our lives, and the angst and anxieties which accompany such forebodings of timelessness.

For the Federal employee or the U.S. Postal worker, the end of a career marks the beginning of a life change which only his or her self, family members, and close friends know about, care for, and somewhat understand on the periphery of emotional turmoils, as to the trauma such a change in circumstances can incur.

While Federal Disability Retirement benefits, wrought through proving one’s case with the U.S. Office of Personnel Management, may allay some of the concerns regarding benefits, health insurance, a base annuity and income, etc., it cannot make up for the lifetime of striving and building which occurred in the private mind and public life of the U.S. Postal Worker and Federal employee.

Federal Disability Retirement represents an end, in some ways, to a career of one’s building, but also a beginning; a start for attempting to achieve that level of functionality which a medical condition robbed and thwarted; an intermediate period in which to recover, regroup, and plan for the future beyond the federal sector.

Federal Disability Retirement is a benefit accorded to all Federal and Postal employees who have met minimum service requirements, and allows for the Federal and Postal employee to receive a base annuity, and at the same time, to begin to build a life beyond Federal Service.  It can be a last chapter, or the first chapter, in the narrative life of the Federal employee or U.S. Postal Worker; that determination is yet to be revealed, and will only be known in the faded etchings left upon tombstones memorializing the life, accomplishments and loving relationships of those who murmur silent whisperings in the grassy knolls of time.

Sincerely,

Robert R. McGill, Esquire