Federal Disability Retirement: The Right Time (Part 2)

How to determine when is the “right” time to file for Federal Disability Retirement benefits under FERS & CSRS, and when is the right time — those are issues which are quite personal and peculiar to each individual case.  Unfortunately, it is the very inherent nature of medical conditions, medical disabilities, and the chronic & debilitating symptoms that accompany such conditions, combined with the strong sense of loyalty, commitment to duty, and the desire to continue to believe that a Federal or Postal worker will overcome the current condition of disability — that often prevents a person to come to the critical point of determining the “right time”.  And, to put it in its proper perspective, this is probably a good thing, insofar as being a reflection upon the character of most individuals. 

Most individuals have a strong sense of commitment and hard work, and most want to continue to believe that one’s condition of medical disability is merely a temporary state of affairs.  But when such loyalty and commitment comes at the price of one’s personal detriment, it becomes a negative thing.  The problem comes when all of the objective indicators are ignored — when sick and annual leave are being depleted; when excessive LWOP is taken; when performance at work clearly suffers; when each night and weekend are used to recuperate from the day’s work; when savings become depleted; when a sense of desperation sets in.  Then, when it comes time to make the decision, it becomes an emergency. At that point, while it is not too late to begin the process, it is probably less than the “right time” to have started the process.  While better late than never, it is a good thing to take affirmative control of one’s future, and not let events control it uncontrollably.

Sincerely,

Robert R. McGill, Esquire

CSRS & FERS Disability Retirement: Indicators

If your weekends are spent for the purpose of recuperating just so that you can have the energy, strength, mental acuity, and sustained focus and attention to go back to work on Monday, then it is an indicator that you may need to file for Federal Disability Retirement benefits under FERS or CSRS; if, after each day of work, you are so profoundly fatigued that you end up spending each evening just resting, unable to have any significant recreational enjoyment or time for relaxation, time with family, etc., then it is an indicator that you may need to file for Federal Disability Retirement benefits under FERS or CSRS; if you must take sick leave, LWOP or annual leave every few days, or after a week of work, because you need the time off to recuperate, then that is a further indicator.

Ultimately, each individual must make his or her decision as to the timing and whether one has reached a critical point where filing for Federal Disability Retirement benefits under FERS or CSRS is necessary.  Different reasons for different people; different factors at different times of one’s life.

Sincerely,

Robert R. McGill, Esquire

 

Retiro por Razones de Incapacidad Medica para Trabajadores Federales: Los Indicadores

 

Si como empleado federal del gobierno de los EEUU (trabajador federal en Puerto Rico o empleado postal en los Estados Unidos continentales o en sus territorios), Ud. dedica su fin de semana al solo y exclusivo propósito de recuperarse; es decir, para recuperar energía, fuerza, estabilidad mental y foco de atención a la hora de regresar al trabajo el próximo lunes, entonces, todo esto pareciera indicar que ha llegado el momento de considerar a retirarse por razones medicas bajo los programas FERS o CSRS.

Si cada día de trabajo, se encuentra primero en un estado de profunda fatiga de tal forma que termina el resto del día descansando, incapaz de disfrutar cualquier tipo de recreación, tiempo con la familia, etc., entonces eso indicaría que ha llegado el momento de presentar su solicitud de retiro medico.

Si tiene que tomar días de baja por enfermedad (sick leave), días libres sin paga absoluta (LWOP), o vacaciones (Annual Leave) cada ciertos días, o después de cada semana, es porque necesita tiempo adicional para recuperarse.  Eso también es un indicador adicional.

A las finales, cada persona debe tomar su propia decisión con respecto al tiempo, al momento indicado, donde uno ha llegado tal punto crítico de tal forma que uno no puede más que concluir que aplicar por estos beneficios de retiro medico es algo completamente necesario, que no hay otra opción más para considerar.  Hay diferentes razones para diferentes personas, y hay también diferentes factores únicos para determinar la fecha o el momento adecuado para solicitar estos beneficios.  Esa es una decisión que solo Ud. puede tomar.

Sinceramente,

Abogado Roberto R. McGill

(Traducción/Adaptación por OrelWeb.com)

Federal & Postal Service Disability Retirement: Differing Legal Criteria

Similar benefits, at the State, Local, Private levels, and at the Federal level, each contain differing legal criteria for eligibility. Thus, for instance, Social Security Disability benefits require one set of standards of eligibility; private disability insurance policies require a different set of standards; and state disability benefits often differ from state to state.  This is of course true of Federal Disability Retirement benefits under FERS and CSRS — where the legal standard of eligibility is different from Social Security, Worker’s Comp, and State or private disability criteria.

Often, a question is asked whether a medical narrative report which is prepared for submission to the Office of Personnel Management can be used for submission for other “similar” benefits.  The short answer is, “It all depends”, but the long answer is that, in most cases, one must be very cautious.

When I represent a Federal or Postal employee under FERS or CSRS, one of the first steps in preparing a viable case is to request of the treating doctors a detailed medical narrative report.  One must understand that the treating doctor has, generally speaking, next to no idea as to the legal criteria that must be met under FERS or CSRS.  Furthermore, the treating doctor has no legal knowledge as to the differences between private disability insurance policies, State, Social Security, OWCP or FERS & CSRS.  It is the job of the Attorney to make sure and guide the treating doctors as to the criteria which must be met as to the particular and specialized field for which the medical narrative is being prepared.  This must be done with care, and with detailed guidance.

Sincerely,

Robert R. McGill, Esquire