Canadian report on COVID Grocery Shopping!

A mundane but recognizable and identifiable reportage on grocery shopping here in Toronto, Canada.

As we batten down the hatches here in the Province of Ontario in Canada my international readers may want a lurid expose of my grocery and banking shopping trip today here in Toronto.

As an avid and very select shopper I have an array of grocery shopping destinations and depending on the severity of the lockdown I can avoid line-ups. In the summer and autumn months I can access a farm 25 minutes out the city for the freshest and most interesting produce available. If need be I can still access them but with a reduced inventory of products.

As for my first today stop at “Lawrence and Bathurst Square” a 20 person line-up at “Metro” grocery store. Big line-up at the bank too. So off to Fortino’s at Bathurst and Allen with no line-up and a good selection of produce. In and out like a flash which is great COVID behaviour. This is not a shopping expedition but a rush and grab and get the hell out of here experience.

A simple dinner of broccoli and leek soup with leftover Mushroom Wellington. All local ingredients.

And for tomorrow morning freshly baked oatmeal bread with Greek honey and Italian Abate pears.

So at this point in the plague here in Toronto savvy shoppers knowing their neighbourhood can manage quite well including 35 oysters for $9.99!

However in my travels in the Communist Eastern Bloc in the mid 1970’s I had to line up for bread and dried meats. But Russian sprats were in good supply so I ate many a can of Russian sprats. What are sprats? Russian sardines!!! Point is I know that food scarcities are real and as for toilet paper runs there was always editions of “Le Monde” used for that purpose in the old Eastern European Bloc. Given my training in shortages of food I never thought it might be relevant in Canada. At least I have some income to buy food but as for Americans and Canadians food banks are being overwhelmed.

As grocery store employees are falling prey to COVID here in Canada it may very well be my Eastern European experiences will come in handy. As for toilet paper I need not resort to newspaper for at least three months. But tell that story to Canadians and they really don’t have much of an idea about using air mail editions of “Le Monde” for a wipe!

Poetry Corner: “The eternal sandbox”

The eternal sandbox

Young and innocent
time consuming frivolity
equality of youth
shattered
the dinky toyed hours
pens and suits
boots and hands
a mild game struggle
children versus children
life kept on a a harmless level
fun and simple
lost and baffled in gaming politeness
forgetting who the real enemies are

Robert K. Stephen

Life at Up Up and Away Investment Management International: Chapter 32 Largecorp induced anxiety, stress and depression: Management tips

Chapter 32

Largecorp induced anxiety, stress and depression; Management tips

My take on anxiety, depression and stress in a largecorp workplace is that it is most often a result of poor management and resource allocation by the Senior Management Team at largecorp. There is so much extra work piled on employees due to downsizing and botched outsourcing that many employees succumb to the pressure and “crack” hence workplace mental health claims lead the pack in the disability game. Largecorps have an insatiable appetite to increase profits no matter how badly the economy is doing. Are the analysts running largecorp? Analysts have a love affair with cost reduction so even if that means job losses result through largecorp terminations or through development of artificial intelligence by largecorp which also reduces “headcount” these analysts are as happy as pigs rolling in shit until one day, soon, AI will terminate them so they receive a dose of their own medicine.

You can either continue working in such a toxic working environment and let it destroy you to the point that recovery and healing is difficult if not impossible or you can grab the disability ring that is being tossed overboard to save you. This is what disability programmes are. They are there to help you recover and heal from physical and mental illness. They also ensure you have income flowing in during your disability.  Sometimes largecorp takes care of its wounded. Don’t think you’ll qualify automatically for any stress or depression related claim that you may have! Many have tried to go on disability and have failed.

I am sure you do not like to think that when are suffering from workplace stress, anxiety and depression you are “mentally ill”. “That’s not me” you are thinking. It sounds so foreboding and disturbing, but it is just another form of disease like cancer or lupus.

No matter the public relations campaign by Bell Canada about society accepting mental illness as just another form of illness the stigma will remain for many more years. My advice is to hold your head high and get the help you need. In most cases you’ll need psychiatric help for two reasons. The first is that they are doctors of the mind there to heal your mind and secondly they are essential to have in your camp to assess you and report to your long-term disability provider. Evidence submitted from a general practitioner as to your psychological state has about as much value as 10 Mexican pesos as far as a    long- term disability provider and their legal team and for hire forensic psychiatrists are concerned.

Of course, don’t be an emotional silly ass and resign. By doing so you are no longer an employee and as a result are no longer eligible for short and long-term disability. There is nothing more largecorp would like than eliminate the expense of an employee on disability. Cancer, depression or any disease make no difference to them unless of course employee backlash as to largecorp indifference creates a “reputational risk” that just may ooze out to the media and make a wonderful Robin Hood story.

Let’s cover what your strategy should be facing a disability issue while working at largecorp and I apologize if I am going to be a bit repetitive.

  1. Before taking any decision as whether to claim disability from largecorp or from its insurance company provider or administrator obtain copies of largecorp’s or the insurance company’s policies on short-term and long-term disability. You must follow the process set forth in the policies to determine if you qualify. Make sure any preconditions for eligibility have been or will be met.
  2. Clearly set forth to your superior and Human Resources Department that you are going on disability. Unless you are required to provide written reasons keep your communication on an oral basis to avoid any written response being used against you to your detriment in possible appeals and litigation. Try not to get personal and bitter and stick to the facts pertaining to your disability.
  3. Think about assembling your team even prior to “going out” on disability. Short- term disability plans are usually largecorp funded and it is a bit easier to qualify and less bureaucratic than a largecorp retained insurance company long-term disability application process. However, you’ll need some strong specialist advice to back your claim so always go to the relevant specialist and avoid your general practitioner if you can.  There is nothing to be lost by asking for some advice from a lawyer specializing in disability law. If you are applying for long term disability from your employer’s disability provider or for CPP disability benefits a consultation with a disability benefits lawyer begins to make more sense as the value of a possible payout may increase dramatically the farther you are away from age 65 which is when Canadian government CPP  and insurance company provided long-term disability payments will terminate. It is best to do it correctly the first time instead of being denied and having to appeal.
  4. Co-operate with your employer and its disability benefits provider. I’d say avoid being over friendly yet be courteous and answer any questions honestly. The last thing you need is to establish an antagonistic relationship with the payor of your benefits. Review any documentation you receive pertaining to your disability benefits and understand what your obligations you have in dealing with the benefits provider. Failure to comply may be a reason to terminate your benefits. Keep a well-organized hard copy binder of all relevant communication. It will be priceless if you decide to litigate. By relevant this should include all correspondence and notes on any meeting prior to “going out” on disability if they might be relevant to your disability.
  5. Attend all regularly scheduled medical appointments and follow all medical recommendations. Failure to do so may result in termination of your benefits. Promptly return calls to any disability “case manager” you have.
  6. Don’t drop out of life. Isolation is the worst thing for you. Keep up with your contacts. Go out for coffee and lunch. Just get out of the house even if it is only to grab a coffee.
  7. Physical activity and exercise are important. They’ll prevent a slide into oblivion. Be part of the world.
  8. Give yourself some projects to do. I found that house painting did wonders for me. It freed my wind to wander while doing it which in retrospect is healthier than thinking about your problems. Read those books you have been meaning to read for years.
  9. Take a mindfulness course. If you are suffering from stress, anxiety or depression mindfulness courses are a proven stress and depression buster.
  10.  Consider bright light therapy. You can buy a bright light for under $50 these days. It has been proven bright light therapy with placebos are more effective than anti-depressants alone.

Of course, how you manage your disability is up to you but co-operation with your medical team and your disability benefits provider is a no-brainer. But unfortunately, there are those out there who think they know better. Remember anything and everything can be used against you.

As for depression the good news is that it can be beaten back but relapses are common. This is a curse you’ll have to bear. But you are a fighter and won’t give up. Do not let largecorp induced mental illness destroy you.

Poetry Corner: “Finalized conclusion”

Finalized conclusion

you don’t want to
But
you don’t know where to go
what you have done wrong
how many people you have hurt
pain
suffering
grief
what can you say
what can you do
what shall you do
the razor blade gently calls you
to
slide
you
away

Robert K. Stephen

Poetry Corner: “The Serial Killer and the insurance man”

The serial killer and the insurance man

He squats
contentedly roasting marshmallows
while hamburgers scream inside
as if the fat is too hot
while far away
an ulcerated appraiser
nightmares of his next day’s work

Robert K. Stephen

Life at Up Up and Away Investment Management International: Chapter 31 Disabled and down

Chapter 31

Disabled and down

Everyone has a breaking point. After being absent on her long-term disability for 4 months Stella Asterik returned to Toronto Legal at Up Up and Away. One afternoon Sally Self was in my office and criticized me for lagging on an issue. Something in me snapped. I just looked at her and calmly said, “You know the amount of work I have been handling these past months that Stella has been disabled. You know the medical conditions I have been suffering from. You offered no meaningful help. You just let me sink. I will brief Stella before I go this afternoon about what is outstanding. I will start short-term disability tomorrow.” Self’s jaw dropped. It was my time to strike back. If I was a mean person I might have called this revenge. I felt a tremendous sense of relief.

What options did I have? I could have quit but that would have meant no income.

Yes, I was close to retirement age but not quite ready financially for retirement. Going on short-term disability meant 100% of salary and benefits for 20 weeks. If things were not dealt with and given that there was a waiting list for the brain MRI and the cognitive testing that my neurologist had ordered I rather figured it would be two years, before all necessary tests would be completed. My goodness in many respects the medical system in Ontario was very badly broken That would mean after 20 weeks on short-term disability I could go on long term disability until I was 65.

I was grateful the medical system was so slow as the delays for the MRI and cognitive testing would give me time to heal. I told you earlier I was having difficulty accepting Dr. Wong’s diagnosis of depression but gradually I felt more and more lost and proverbially I just could not find my way home. I felt numb. Simple tasks seemed insurmountable. I encountered difficulty meditating as I had so many bad thoughts racing around in my head. I was irritable and impatient getting frustrated easily. I had lost interest in just about everything and anybody. I suppose that is what depression inflicts upon you?

I had a terrible experience with my psychotherapist one day when she asked me what I felt like if I had to return to work. A wave of chilling terror swept over me and I was ready to break down in uncontrollable sobs but managed to escape her office just in time. That was frightening. How much had work traumatized me?

Dr. Wong could see me heading downwards so prescribed an anti-depressant sertraline. I can’t say it made me feel any different, but it ripped up my digestive system. We tried another anti-depressant mirtazapine which was known to be gentle on the system. No such luck. After several months I had to stop taking them but my Beck Depression Inventory scores were decreasing. I was starting to feel better and then one day after being in a funk for close to a year walking to Dr. Wong’s office on a sunny spring day a genuine smile spontaneously took me over and for the first time in a long time it felt good to be alive.

Now it is difficult to bounce back from depression when you have lost that feeling of normalcy. The stress laden life I had led made me lose touch with what normalcy was but I was feeling far better than when I initially visited Dr. Wong. Was it the rest, the psychotherapy, the drugs, the mindfulness or the bright light therapy?

But depression is a cruel disease. Often the recovery can be marred by relapses and just when I was feeling better I had a couple of short setbacks that made me feel even worse than I was in the height of my depression.

Dr. Wong advised me depression is a chronic disease and for most people it reoccurs. As she said to me most of my patients will be with me for the rest of their lives. Now isn’t that a frightening thought?

I had to apply to Happy Insurance Company for my long-term disability benefits and was approved. A rare task to succeed with as insurance companies are in the business of making profits and not necessarily looking to your health nor making long-term disability payments. So, I was down to 70% of my salary until 65 at which time the long-term disability coverage would terminate.

Now most long-term disability providers have provisions in their contract that entitle you to long term disability payments for the first 24 months if your disability prevents you from performing the essential duties of your own occupation. After those 24 months you are entitled to disability benefits until age 65 if your disability prevents you from fulfilling the essential duties of any occupation taking into consideration your training, education and past work experience. For example, if you are a lawyer the fact you can flip burgers at McDonalds doesn’t mean your long-term disability benefits can be terminated.

Don’t forget to apply for Canada Pension Plan (CPP) long-term disability benefits even if you qualify for long-term disability benefits under your employer’s long-term disability plan. You must go through the application process and your disability must be severe and prolonged which prevents you from working at any job on a regular basis. Severe means you have a mental of physical disability that regularly stops you from doing any type of substantially gainful work. “Prolonged” means long term and of indefinite duration or is likely to result in death. I managed to obtain CPP long-term disability benefits in my first application. The odds of a successful application are rare.

I have been told your chances of success in obtaining CPP long term disability benefits are about 40% but you have the right to appeal. You also have the right to appeal from any private or employer       long-term disability plan denial of benefits. My best advice is to be precise and thorough in the application process. Unfortunately, your private long term disability provider will almost always have provisions in its long-term disability plan that enable them to deduct from their disability benefits payable to you any CPP long-term disability benefits you receive. Note that many insurance companies may force you to apply for CPP long term disability benefits.

Obtaining CPP long term disability benefits also makes for a far more difficult case for an insurance company to cease making disability payments and it also increases the amount of CPP payments you’ll be entitled to when you reach 65.

A bit of advice. Understand what the insurance company can require you to do to continue receiving long-term disability benefits. Most require your health providers to provide updates as to your health and to follow treatment recommendations made by your physicians. And cheating is not a clever idea. Insurance companies won’t hesitate to dispatch a detective for surveillance.

One more piece of advice. Insurance companies will pay attention to psychiatrists if you are claiming stress, anxiety or depression as grounds to be awarded long-term disability so get one in your camp. Notes and letters from general practitioners might be good enough for short-term disability claims for stress but are virtually meaningless for long-term disability.