Mail to the Monday Morning Quarterback:

Your Feb. 7 column on leave sharing and college loan programs for federal workers concluded: "If more people give than get, everybody wins. But if they become simply clearinghouses for a few givers and a lot of takers, it will reinforce what many claim: that civil servants can take it but they can't dish it out!"

How clever! In fact . . . most private businesses provide employees with health benefits, parental leave, scholarship programs . . . . But the federal government pays only a portion of health benefits, including insurance. Parental leave has to be taken on sick leave or vacation days. And don't look to the government for scholarships or loans. So the government is much less responsive to workers' needs than is most of private industry.

Leave sharing and college loan programs are asking employees to take up the slack for a less-than-fair employer. Let the poor care for the poor . . . and on salaries that the employer has held down for the past several years.

. . . Don't decry the stinginess of federal employees when it is their employer that fails to protect them against health emergencies or pay them enough to afford college for their children.

D.K., a wife of federal worker, in Arlington

The president's efforts at further "privatization" of the federal government must be blocked by Congress. Your column "Into the Private Domain" of Jan. 28 cites managing national parks and processing retirement claims, inter alia, as functions that the private sector are eager to take over. You also cite the open-season health insurance services for government retirees as a function that has already been turned over to a Midwestern Beltway Bandit.

It is inconceivable that any profit-oriented entrepreneur would fulfil the prime directive of the organic legislation creating the National Park Service, which is . . . "preserve and protect for the enjoyment of present and future generations the natural, cultural and historical heritage of our nation." Those in the business world, whose prime directive is the "quick buck," would soon turn our Shenandoahs, Yellowstones and Grand Canyons into paved-over amusement parks.

When the Reagan administration abolished my National Park Service job in 1982, I received my first retirement check the next month. I certainly hope that future retirees aren't subject to the inefficient cost-cutting mercies that are typical of private industry's handling of the health benefits open season.

I sent my change-of-insurance form to {the private contractor} in Iowa in time for it to be received in early December, and have the receipt to prove it. The only thing I have heard, so far, is a letter dated Jan. 15 confirming that the effective date of my change was Jan. 1 and that the premiums would be deducted from my annuity from that date even though it might take my insurance carrier up to 90 days to issue an identification card.

What a contrast from the last time I changed insurance plans back in 1970 when the old Civil Service Commission somehow managed to process the change without any delay whatsoever. K.H.K., Falls Church