The converse viewpoint of the short-sale, or short-term view, is the obvious: to look to one’s future with a long-term view, which often takes self-discipline in ignoring the short-term gain. In preparing, formulating and filing for Federal Disability Retirement benefits from the U.S. Office of Personnel Management, whether under FERS or CSRS, it is often difficult to disregard the attraction of OWCP payments, and to instead plan for one’s future by opting for Federal Disability Retirement benefits from OPM.
Under FECA/DOL, OWCP pays 75% of one’s Federal or Postal salary tax free (if one has dependents), and 66 2/3% without dependents. That is a sizable compensatory attraction. However, with limited exceptions, when one is under the thumb of OWCP, you: A. Cannot work at another job, B. Must do what OWCP says in order to continue the benefit, C. Must be careful, as the watchful eye, especially in the form of a video camera, may be anywhere and everywhere, and D. Will likely be subjected to second and third opinion doctors, as well as a nursing case manager, to try and expedite your return to your job.
Ultimately, OWCP is not a retirement system, and the job of the Department of Labor is to get you back to your former job as quickly as possible. OPM Disability Retirement, on the other hand, is a compensatory system whereby one is encouraged to go out and begin anew. The long-term view is often the harder road to take; it is, however, meant to reward one for a lifetime, as opposed to a momentary and fleeting memory which will end soon enough.
Robert R. McGill, Esquire