Tag Archives: mother’s day

Only Child declares war on Empire Life Insurance

Only child prepares to battle more human screwups

Only child prepares to battle more human screwups

Mother’s Day was good. My son Martin and his girlfriend Juni took me out for brunch and afterwards he came with me back to my house to do a few odd jobs and talk computer and other stuff with me. He removed the cover from the air-conditioner (the jury is out if and when the a/c will be used this year with the cold weather still) and put in the heavy top part of the patio umbrella. He didn’t have to hammer the nails back into the patio table as the arborist did come through and fix their damage. (See my added comment from last week’s post). Martin also helped me save and include old newspaper photos into Power Point (from the Toronto dailies online through the Toronto Public Library research connections). These are  for the memoir writing course I’m teaching next month.

I walked with him to the bus stop and after he boarded the bus I went to the nearby Home Depot to buy some bone meal. Because the weather included sporadic short showers I didn’t do any gardening and accepted that. Spent time reading newspapers and a book. Okay will all that.

Then yesterday – Monday – arrived and all the shit that brought. Again due to other people’s bad judgement/stupidity. Sheesh! I can get into enough trouble on my own without all this outside stuff.

First I got through five (yes, five) issues – some health-related but most connected to snafus with the house, city services and a utility. So, I phoned the dentist’s office to book an appointment but couldn’t get one until next Monday, did follow-up phone calls on the windows manufacturer coming to fix a problem with a window (under warranty but appointment has been postponed several times partly because of weather and partly they only will come when their techs are in the area), the city for follow-up on my complaints about garbage not being picked up two weeks ago – only one on the block, Rogers for a falling-down cable outside in the back, and my house insurance company for something else (this one was not a screw-up – I just didn’t understand the info mailed to me).

The other item in the mail is one of the big problems now.

Empire Life Insurance where I have my life insurance – they picked up my policy from a company they absorbed a few years back – are up to their old tricks. In a nutshell, they increase your premiums annually if you are a senior and don’t have any extra saved in your premium fund. So, they send a threatening letter (worded politely) if you don’t send X number of dollars – basically one quarterly premium payment increased – they will cancel your policy.

Is this right? Sounds like they are taking advantage of us seniors.

They have done this before and I have waged war and called them on it. Two years ago, after several angry phone calls to their call centre, I was connected to someone who could do something. We talked and she said that she would arrange it that I would no longer get these letters and that the increase would automatically be applied. She followed up with a letter.

Last year, thats is what happened. This year? Empire Life Insurance is back to their old tricks. I have the threatening letter now, when the fiscal year for the premiums isn’t until August. I have the current May bill to pay (with 30 days grace – I’m waiting for my government pension later this month or the deposit from the new editing client after the Victoria Day weekend when she is back from holidays – then I can pay).

So I am on the warpath again. I will collect all my information from the last time and phone to try to get it straightened out – AGAIN. I am also going to try to sic CARP (I’m a member) on them. Two years ago I tried the Insurance Bureau of Canada complaint department but they weren’t helpful. If this isn’t solved I will have to cancel my policy and have no life insurance unless I can find something else suitable that I can afford (I’ll ask CARP) so my son can pay my funeral costs and debts without using his own funds. Life Insurance is paid out before any will is processed.

Empire Life Insurance will also get bad PR from me.

You know the old saying about life being a bowl of cherries with the pits. I seem to be living it against my will.

Cheers.

Sharon

Only Child Writes

 

Leave a comment

Filed under CARP, Consumer action, Family, finances, Health Seniors, Life Insurance, Only child, Problems, Worrying

Only Child celebrates her son’s birthday

Martin outside Allans Restaurant on Mother's Day

Martin and I outside Allans Restaurant on Mother’s Day

Today is my son’s birthday and we plan to celebrate this evening over dinner. Just the three of us, including his girlfriend, at an Italian Restaurant. Wine and pasta or maybe wine and pizza. And conversation.

My son, Martin, gives me a lot to be thankful for. Too much to list, so just a few. I know I’ve mentioned this before, but he paid for a hotel room for my then boarder, her cat and me for a couple of days in late December 2013 because of the ice storm in Toronto and its resulting power failure at my home. He’s there when my computers and their programs act up. He helps financially with some of his gifts – things I wouldn’t be able to afford otherwise. He doesn’t forget my birthday or mother’s day and takes me out for brunch or dinner. And we always celebrate the Christmas season with dinner here.

It’s not just a lot of food and meals. I think deep down it’s the mother-son connection. Some mothers and sons (or mothers and daughters for that matter) either have severed connections or the connections are shaky or gone sour. Perhaps the child grew up to be a criminal or drug addict, or worse. Perhaps the mother abandoned her child. You can probably imagine all sorts of heartbreaking scenarios.

Many of us raise our kids the best we can and sometimes are surprised when they turn out okay. In my case, Martin’s father and I split up when Martin was quite young. But – and it’s a big but – neither of us abandoned him. Martin had equal time with both parents. Not easy at first when my ex and I were fighting, but it smoothed out after a few years. This time with both parents gave Martin a more rounded growing-up period and hopefully with no feelings of abandonment. For my part, I tried to be fair and let my son work out a lot of his growing-up pains himself, often offering the listening ear and a few suggestions.

Not that there wasn’t some discipline involved when necessary, but never extreme. For example, when I had to ground him when he was 16 for something (for privacy’s sake, I’m not saying what, except it wasn’t drugs), I used common sense. He was grounded, except from school (obvious) but the other exception was he could still practice and perform at gigs with the rock band he played in. Why? Because there were others involved here and it wouldn’t be fair to them. Parenting is give and take – on both sides. I’m not saying I was the perfect parent. Far from it.

Something that came out of his growing-up years – he matured in thoughts and actions early. Others have commented on this. And he has a lot of common sense and logic in him.

But also lots of creativity.

Now he plays in another band (Beams, see http://beamstheband.com/) and is a computer programming expert.

But when you get right down to it the continuing love, the continuing bond is what’s important.

Happy birthday, Martin.

Cheers.

Only Child Writes

2 Comments

Filed under Family, Martin Crawford, Mother and Child, Only child, Parenting, Sharon A. Crawford