Tag Archives: old age pensions

Only Child terrified of heavy rain and wind storm starting Wednesday

01910012As if dealing with the snafus connected with the preparations for my East End Writers’ Group’s 15th anniversary presentation for Wednesday evening weren’t more than enough, there is a big storm coming our way the same day. It’s the remnants of Hurricane Patricia plus a clipper from western Canada. And I am terrified.

Terrified of too much rain and floods and high winds. Terrified of the potential damage to property. I worry about water getting in the basement, especially as for some of the time the winds are from the east, and if so how much water and the cleanup. I worry about eaves trough issues – eaves troughs have been cleaned twice so far this year but the leaves keep falling. Problem is walnut trees hanging over from the neighbours’ property. I’ve been keeping an eye on the situation and early this morning noticed some leaves and small branches (that’s how it falls) sticking over the eaves troughs. So immediately I called Gerry who cleans the eaves troughs but he can’t come today as he has to work at his main job (usually he works nights). He suggested tomorrow morning AFTER I had told him about the big rain and wind storm coming Wednesday.  He is coming Friday morning to clean out what the wind sends down during the storm. So I climbed up on a chair and started tying to remove the leaves with a rake. Not high enough to see what’s going on, but I have vertigo and was getting dizzy. I got a hold of Mike who hopefully will come today and clean out the eaves troughs – it will cost me more, but if he can do it today during daylight, that will be a big help.

Terrified of roof, tree, etc. damage and the consequences.

Terrified of power outages and the consequences.

My nerves are so much on edge that my respiratory infection which was showing signs of getting better, is now in a bit of a relapse. It’s all this stress that keeps coming at me – in spades. I noticed that over the weekend when I had little stress the healing had progressed. But from early this morning, no.

I had been sticking to natural remedies because of my allergic reactions to most anti-biotics. And I had decided to see a medical doctor to check out my tinnitus but now he will have to check out the respiratory infection and I’m terrified here – of both the diagnosis and the treatment. My trust in medical doctors is very low because of past experience, which is fodder for another post. I would really like to go to a naturopath but they aren’t covered by our provincial health insurance so I can’t afford the cost. After paying some bills today and taking out money for cash expenses, my bank accounts are almost depleted.

Seniors day as I call it when the old age pensions and the like arrive, isn’t until tomorrow.

Sometimes I think life is too much of a struggle. It is no fun not having a partner, or whatever you call a significant other.

As for the weather, which is at the heart of all the current problems, I can only say what the lady in the bus back in May said.

“God controls the weather.”

I hope he gives us all a reprieve with a much less severe storm. I have my wishes here and am presenting them to him. I hope he listens to me and does the right thing.

It’s not just me involved here – there are all the others connected with the East End Writers’ Group presentation Wednesday and on a much broader scale all of us living in southern Ontario.

If you want to read more about the storm (and get terrified), go to The Weather Network http://www.theweathernetwork.com/ and enter “Toronto” in the Find Your Forecast box.

Cheers.

Sharon

Only Child Writes

Advertisements

Leave a comment

Filed under Anxiety, East End Writers' Group, Extreme Weather, God, Health, Life demands, Living alone, Old Age pensions, Only child, Power Outages, Trees and Shrubs, Uncertainty, Weather

Only Child on federal election and poverty levels

Only child ponders upcoming Canadian Federal election

Only child ponders upcoming Canadian Federal election

With the Canadian federal election coming up October 19, one issue that keeps coming up is the middle class versus the rich. Yes, the middle class seems to be disappearing, but disappearing to where? Much of it has fallen into the poverty level of living, if you can call that living.

The worst of poverty “living” is social welfare or as it is called in Ontario – Ontario Works. A study done by Poverty Free Ontario shows 2011 (latest year statistics available apparently) statistics for those living on Ontario Works compared to those not on Ontario Works who live at the poverty level. For example, a single adult living alone in Ontario on Ontario Works gets $7,452 a year, compared to a single adult not on OW but who is in the poverty level of $19,930.

Although Ontario Works clients received a small increase last November there is still a big gap between the two figures. Much of that blame goes to a former Conservative premier Mike Harris who reduced Ontario Works payments in half in the 1990s.

The title of a report on children living in poverty in Toronto, Ontario, Canada  says it all.  “Toronto holds onto its shameful title: Child poverty capital of Canada”  The study states that 28.6 per cent of children in Toronto live below the poverty level, with that percentage changing with specific areas of Toronto.

Today, Toronto is releasing its 20-year busting poverty plan. City councillor in charge is Deputy Mayor Pam McConnell. There is a long list of what is to be implemented during the 20 years. And a list of low income categories appears at the end.

Here are links to the above stories:

http://www.povertyfreeontario.ca/poverty-in-ontario/status-of-poverty-in-ontario/

http://www.thestar.com/news/gta/2015/10/13/toronto-holds-onto-its-shameful-title-child-poverty-capital-of-canada.html

http://www.thestar.com/news/gta/2015/06/23/toronto-releases-20-year-poverty-busting-plan.html

All very well. But seniors aren’t listed.

In fact in all these reports, there is not much about seniors living below the poverty level. As I’ve mentioned in previous blogs, I’m one of those. And this election doesn’t do much to address seniors financial and health issues, in my opinion. The Liberals’ Justin Trudeau keeps talking about the middle class versus the rich. Stephen Harper and the Conservatives already raised the eligible age for receiving the Old Age Pension to age 67. NDP leader Tom Mulhaire wants to raise the Guaranteed Income Supplement.

As a senior I am grateful for what I receive. But not grateful for what I have no choice to eliminate from my life because of limited finances. Unfortunately most of that is in the health area, a lot of which is not covered by OHIP, the Ontario provincial health plan. Outside the plan, I focus on eye care, although eye tests are covered by OHIP once you reach 65. But glasses aren’t. Neither is dental – it never was unless you had dental surgery in a hospital. I have a dentist but can’t afford him. I can’t afford audiologists (except if they offer free hearing testing). Physio-therapy, which might help my osteo-arthritis, has reduced coverage. Many medical tests are no longer covered by OHIP thanks to former Ontario Liberal leader Dalton McGuilty (as my friend calls him) – don’t excuse me here – McGuinty, kicking some of them off the covered list.

Case in point. Three years ago I had what appeared to be a severe Vitamin D deficiency. If I had gone for blood tests to determine this, I would have paid. So, I played guinea pig, taking mega-doses of Vitamin D from late fall to early spring. It seems to have worked. And getting extra health insurance coverage (read “private”) is out of the question – not when there is a cap on coverage in total dollar amount and percentage – now 80 per cent instead of the 95 to 98 per cent coverage you could get in the 1990s. Not when you choose your coverage a la carte and pay high monthly premiums.

The Toronto report on poverty being released today lists areas where improvements need to be made. I hope more dental coverage for low income residents is in the next few years. Some of us seniors may not be around for the next 20 years.

No wonder many people are finding it difficult to choose who to vote for next Monday. Many of us want to get Harper out. We may end up with a minority government of NDP or Liberal. Would they join in a coalition government? Would that be a good thing?

Only time will tell.

Cheers.

Sharon A. Crawford

Only Child Writes

 

Leave a comment

Filed under Goverment Legislation, Health, Health Insurance, Health Seniors, Help and Support, Old Age pensions, Only child, Poverty, Progressive Conservatives, Seniors

Only Child looks at possible changes to seniors’ pensions

Only Child contemplates possible changes to Canada's old age pension

Now that I have Canada Pension Payments all set up for pre-age 65 receipt, I have to worry about the Old Age Security Pension. So do other baby boomers rapidly moving into senior territory. Canada’s Prime Minister Harper is sending out word that he wants to change the focus and framework for the Old Age Security pension. Among other insinuations there is talk of upping the starting age to 67 and perhaps clawing back the payment amount excluded for tax deferral.

My late Mom and Dad would roll around in their graves. Probably their spirits are sputtering around, if spirits can sputter. Dad lived only a year and a half beyond age 65 and I don’t recall if he ever received OAS. Between 1965 and 1969 (Dad died in 1965), the eligibility age was transforming from 70 to 65. (Are we going to regress on this age thing now?) Mom died at 63, so she received no OAS. She did have Dad’s Canadian National Railway survivor pension and when she died I got the survivor benefit for a few years, from the age of 23. Now when I’m getting close to the so-called retirement age I could use that CN pension money. Too bad it couldn’t have been deferred until now. To paraphrase a friend, getting old isn’t for the faint at heart (and I add, “but all the money stress can kill your heart”). Another friend, an editor and writing instructor who has hit the 65 mark, said she probably won’t be able to retire until she’s 90. I’m looking at 70, to slow down in my writing, editing and writing instructing/speaking business. Not unusual for many of us freelance writers today. It’s a good thing it’s creative work and work which I love.

So, what is the Harper Federal government’s pension change idea? According to a National Post story (published Jan. 26, 2012 http://news.nationalpost.com/2012/01/26/major-changes-coming-to-canadas-pension-system-harper-says-in-davos-speech) and posted on The Canadian Association for Retired Persons (CARP) website at http://www.carp.ca/category/news/carp-in-the-news/  Harper made this announcement late last week at The World Economic Forum in Davos, Switzerland. This same story also includes some statistics about OAS costs estimated to rise to $48 billion in three years and to a possible $108 billion in 2030 because of the growing number of seniors. We seniors and seniors-to-be will increase our numbers from the current 4.7 million to 9.3 million in 2030. And Prime Minister Harper will be one of them. I know – he’ll get a good government pension, but possible changes to MP pensions are being considered. In the meantime, putting himself in our shoes might be a good idea.

Wasn’t there a science fiction book written years ago about killing off seniors once they reached age 60? That, of course, is not an option, and let’s be clear here, is not one suggested by Harper. But perhaps he forgets that we seniors and seniors-to-be are a force to be reckoned with. Many of us belong to CARP; we are baby boomers and it is in our blood to fight for our rights. We also have the capable and eloquent fighter for seniors’ rights, Susan Eng, leading CARP’s involvement in this. Check out links to videos of her interviews with Canadian media at http://www.carp.ca/category/news/carp-in-the-news/

Meantime, I’ll keep on writing, editing, teaching writing and speaking about writing…and using my CPP payments once they begin to arrive in a few months. Apparently there are no problems with funds for the CPP.

Comments anyone? Especially from countries besides Canada? What is your old age pension system like?

Cheers.

Sharon Crawford

Only Child Writes

Leave a comment

Filed under Baby boomers, CARP, Old Age pensions, Only child, Prime Minister Stephen Harper, Seniors, Susan Eng