OPM Disability Retirement: the Psychological Barrier

I hear the anguish in people’s voices; an individual has worked for the Federal Government, or the Postal Service, for 20+ years; “I’m not lazy”, “I’ve worked all of my life”, “I gave my Agency the best, each day”, “I am not asking for a hand-out.”  No justification is needed.  No defense is needed.  Disability retirement is not welfare; it is not a hand-out; it is a benefit which was part of the employment package which your employer — the Federal Government — offered to you, when you applied for the job.  You could have applied for a private sector job, and received a higher offer of monetary compensation, but with lesser benefits.  A Federal employee who accepts a Federal or Postal position, does so with the understanding that the monetary compensation may be lesser, but the total package of benefits makes it worthwhile.  Some of those benefits are considered as “safety-net” benefits, and disability retirement is one of those.  No justification is needed.  No defense is needed.  You worked hard; you gave it your best; it is time to take that benefit which you earned, and move on to another phase of your career, your life, and your contribution to society –which yet remains in abundance.  Your best days are yet to come.


Robert R. McGill, Esquire

CSRS & FERS Disability Retirement: The Federal Worker

Whether you work for the U.S. Postal Service, the FAA, the Secret Service, OSHA, FDIC, or one of the other countless governmental agencies, don’t ever think that filing for disability retirement is an “act of surrender” or one which is somehow “taking advantage of the system”.

In the private sector, it is the salary-compensation that is emphasized.  In the Federal sector, it is the “total package” of benefits:  less salary-based emphasis, more on other benefits, such as health insurance, life insurance, set number of days for annual leave and sick leave — and disability retirement benefits.

Thus, filing for disability retirement is not a “welfare” move — rather, it is an acknowledgment that you can no longer perform one or more of the essential elements of your job, and you are no longer a “good fit” for that particular job.  Remember that, when filing for disability retirement, the Agency itself must attempt to see whether it can (A) reassign you to another job at the same pay or grade (which is almost never) or (B) legally accommodate you (which, also, is almost never).

Further, disability retirement is not a benefit which pays you such that you can “live high on the hog”; rather, it is a base annuity, with the understanding that you can go out and get another job making up to 80% of what your former position currently pays.  In other words, in most cases, you are expected to go out and be productive in other ways.

Far from being a “welfare benefit” — it is part of the total compensation package you signed onto, and to which the Federal government agreed to.

Sincerely, Robert R. McGill, Esquire