Guest Blog from Tess: Without warning! How government can empty out a bank account and leave you with nothing

I’m a single mother of two boys.  One is living with me. We get help from Ontario Works and live in subsidized housing.  My son who lives with me is in high school full-time. He was born when I was his age and in high school.

I finished high school. I finished two university degrees. I struggle with occasional bouts of depression, chronic fatigue, and pain.

At the beginning of February this year I went to an ATM to make a withdrawal.  Instead of leaving with cash, I left with overwhelming distress.  There was no money for me to take out of my only bank account.  Had I been a victim of technological theft?   Being the beginning of the month, this was especially stressful as I would not receive my child tax credit for another three weeks.  In the meantime, I had to pay for transportation to get my son to and from school, I had feed us, and I needed to meet all the other numerous costs of daily living.

When I checked my account activities to find out what had happened, I was dismayed to find that the National Student Loan Service Centre (NSLSC) had cleared out my account.  I called the NSLSC to find out why they had done this to a social assistance recipient with no notice or authorization.   Didn’t this have to be a mistake?

Upon speaking with an NSLSC representative, I learned that the NSLSC attempted to withdraw an even larger amount of funds.  However, they were unable to do so because I did not have enough money in my account. As a consequence, my bank imposed a $45 NSF (not sufficient funds) charge against me.  On the failure of their first attempt, the NSLSC proceeded to withdraw a smaller amount.  They left me with me with just under $3 in my account.

The NSLSC has never withdrawn money directly from my account before so this event was a great shock to me.   As far as I knew, I had not authorized them to withdraw anything.  In fact, I have no bills whatsoever set up for automatic payment.  So, as far as I knew, I retained complete autonomy and control over the distribution of my funds.  I was wrong.

This incident spawned traumatic feelings of victimization and lack of control, leaving me in a state of terror!  It was as if I had a very personal, yet intangible, invisible bully saying to me in a taunting tone:

“You do not deserve to ever achieve a sense of security.  I have power over you.  Power to drastically alter the quality of your life at any moment.   Without notice.  For any reason.  At my whim, I can go into your personal bank account and take as much money as I want, leaving you totally, utterly, destitute and desperate.”  

Needless to say, the actions of the NSLSC had a drastic impact on me and my son.  However, the NSLSC representative I phoned explained to me that the withdrawal was not random.  Rather, they had the right to take funds out of my bank account because I had submitted my Repayment Assistance application late.

And here is how that subsequent conversation went:

“But you do have my application?”

“Yes”

“So you know I don’t have the money. I need it back!”

“We made no error or mistake so we cannot refund the money we took.”

 “But I have $3 left!!  How are we supposed to live?  How can I feed my son?  Get him to school?  Wash our clothes?  You’ve left me with enough money to get to a food bank, but not enough money to bring the food home!  If you have my application, then you know I’m on social assistance.  How can you do this to someone you know is on assistance, regardless if they’re late?”

 “I’m sorry, we did nothing wrong, so there is nothing for us to correct.  As for your NSF charge, talk to your bank.  Next time, make sure you get your application in on time.  You must do it every six months, like clockwork.  The reason we have not done this in the past is because you have always been on time.”

 “Right, and this time I wasn’t on time because your system locked me out of your website after I put in an incorrect password a couple of times.  So, I called you and you sent me a paper application.  I received it in the crux of the holidays and I have been unwell.  My health has been affecting my ability to work – that is why I am in this situation in the first place!  So while my symptoms are flaring, I lost track of the application for a little while, but a lack of concentration and inability to focus are primary symptoms of my illness!

 You expected me to be well within an unrealistically narrow time frame given my illness.  An illness which you have on record there too!”

“There’s nothing more we can do for you.”

And so I called my Toronto Social Services (TSS) worker and explained what happened and that I had been left with $3.  The conversation with my TSS worker went something like this:

“The Student Loan Centre does do that, but we have nothing to do with them”

 “I understand.  But, might there be any other supports available to my family?  We only have $3.”

 “Well, you’ll be getting your child tax credit.”

 “Yes, in three weeks.  And the bulk of that is already accounted for – to be put towards bills.  In the meantime, we need to eat, Troy (pseudonym) needs to get to school, we need to wash our clothes, and I may be called in for a job interview that I can’t afford to get to.”

 “I can only give you information on food banks.”

I decided to forgo mentioning that I only had enough money to get to a food bank and not enough to bring the food home.  Instead I changed the topic, hoping to solve my problem another way.

“Last month I paid $260 for my son’s college and university applications.  I sent you the receipt.  The cost of that is covered right?”

 “No.  TSS would only cover that expense for the social assistance applicant.  Children’s expenses are to be covered by the child tax credit.”

 “Really?  But my son applied for arts programs.  These programs require him to submit a portfolio of his work to complete the application process.  Submitting the portfolios is another $60 – $80 for each program.  So if he wants to go to university or college in the fall, his child tax credit certainly cannot be used for our living expenses.  Is TSS not invested in Troy’s education so that he will not soon become a social assistance applicant himself?  We need further assistance, if not for the extraordinary circumstance of having my bank account cleared, then at least for Troy’s education! ”

 “I can only give you information on food banks.”

Clearly, these two governmental systems (NSLSC, and TSS) were interacting in my family’s life in ways that were simply not working.  However, rather than pointing blame toward one or the other player, I would like to outline a model of what effective support could have looked like for citizens in my situation.

A Preferred Model

TSS workers communicate with their clients on regular basis.  Unlike representatives of the NSLSC, one worker is assigned to a client to work with them on an ongoing basis.  They already assess much micro-data of their clients’ lives, including detailed transactions made in their bank accounts.  They support clients to access services that are intended to assist clients towards self-sufficiency.

Therefore, TSS workers are in an opportune position to assess the involvement of other systems in clients’ lives, and the needs clients have with respect to navigating these systems, as they already do with respect to the Family Responsibility Office, for example.

When I applied for social assistance, it may have been helpful if I had the option of informing my worker that I had outstanding student loans that I obviously could not pay.  I could have signed just one more, on top of the dozens of forms, consenting that my information be shared by TSS and, in this case, the NSLSC.

Upon doing so, the information that my income source is social assistance could have been shared with NSLSC, allowing time, money, and resources to be saved by automatically extending my Repayment Assistance status, rather than processing additional applications every six months while also informing the banks.  This would not only allow greater efficiency of government resources, but it would allow me to allocate more of my personal resources toward my own development toward self-sufficiency and actualization.  Multiplied by the number of OW and ODSP clients who have outstanding student loans, this could add up to very significant savings for taxpayers.  Additionally, it would mean that children would not go hungry and miss school because of the financial crisis created for their parents.

 Tess: May 19, 2014

No piece of cake! Linda Chamberlain applies for the Guaranteed Income Supplement (GIS)

I am supposed to know about retiring on a low income.  That includes obtaining the Guaranteed Income Supplement for people who turn age 65.I am supporting the Old Age Security application of a woman named Linda Chamberlain. She turns 65 on July 3, 2014. This will be in some ways a dress rehearsal for my own application since I turn 65 in August 2015.

Right now, Linda has no income other than her ODSP cheque and the odd gift from others.  We did not apply for a meagre amount of CPP.  I wrote about that here:  Linda Chamberlain and CPP

Linda’s move to Old Age Security is a good story. Her income will go from about $1,035 a month to $1,700. However, since she lives in subsidized housing, her rent will almost quadruple from $109 a month to about $510. She should get her first old age payments in August and will be cut off ODSP at the end of July.

Overall, Linda will be ahead of the game but the extras that she gets through ODSP (a special diet and gastro-urinary supplies) will no longer be available. She will have to pay for them out of her own pocket. Still, Linda will be pocketing about $265 a month in extra money and she won’t have to report to a worker every month.

Linda’s income and expenses: before and after

Income source Before: ODSP and Tax Credits After: OAS/GIS/GAINS-A and Tax Credits
Approximate Amounts

$1,035

$1,700

Rent

$109

$510

After Rent income

$926

$1,190

Bottom Line Linda is About $265 a month ahead on turning age 65

That’s the good side of the story.

The bad side is how wickedly hard it is to apply for the GIS. And that’s a story that has yet to end.

When Linda first got her notice to apply for Old Age Security, we filled out the forms together nine months in advance back in October 2013.

There is a ‘tick box’ that asks you if you want to apply for the GIS. We ticked the box.

I had noticed on-line that there is a copy of the GIS form and wanted to be sure that we could use it for Linda’s application. I reasoned that we could apply for OAS and GIS at the same time. We called the toll-free number to see if this was OK.

“You can’t use that form” said the woman from Service Canada.

“It’s not the right form. It won’t be processed. You’ll have to wait until the new form comes out”

I asked the simple question: “When will that be?”

“We don’t have a time yet but it will be in the New Year. But if you ticked the box, you will get one in the mail”

Fast Forward to March 2014 and I was starting to get nervous. We had not received the GIS application. And I had already discovered that Service Canada takes 17 weeks to process a GIS application. I didn’t like the math. We phoned again.

“It’s coming out soon – you will get it in the mail.”

By mid-April, the application had not arrived and by this point I was more than nervous and called Service Canada again.

The very friendly woman from Service Canada said she would send out another copy of the form and said I would get it within a week. Then she said:

“Why don’t you use the on-line form?”

“But I was told not to use it.”

“The new one has been up since April 1. You can use that one.”

I printed it out and Linda and I had it in the mails in a ‘New York minute’. I even mailed it directly from the Gateway postal outlet on Eastern Avenue on April 16th to avoid further delay.

For the record, the paper GIS application arrived at my home on April 30, exactly two weeks after the phone call. Two weeks later, on May 15, 2014, Linda received her own copy of the GIS application in the mail leaving her just 12 of the 17 weeks needed for an on time application. She received it precisely seven months after she submitted her Old Age Security application.

Service Canada is effectively saying that it is setting deadlines for its services that through its own actions, the applicant cannot possibly meet.

So now we sweat. The first week of August is only 15 weeks from when they would have received the application and we already know they need 17 weeks. We call Service Canada again.

“We need 17 weeks to process the application.”

I told the operator that there had only been 17 weeks and two days since the GIS form was released on-line, we did not know about it until two weeks into April, and Linda did not get her own copy of the application until mid-May.

“Then you will have to phone at the end of July and check the application with us. If it has not been processed, you will have to inform us that she is a ‘hardship case’.

“Or we could also go to her MP’s office?”

“Yes you could do that also”.

This story is not over.

Or perhaps it is just starting.

Why would Service Canada put us through this ordeal?

Why can they not publicize the date on which new GIS applications are placed on-line.

Why do they leave old forms on line and then inform people on the phone that they are unusable? There is no such warning on the website.

Why do they need so much time to process them in a timely manner but give the consumer deadlines that are impossible to meet?

But more than anything else, why can’t they simply transfer Linda’s tax return with her permission to Service Canada and make the payments for which they already know she is eligible? You can’t apply for OAS unless you file a tax return. All of the information required for a GIS application is contained in the tax return.

So Service Canada sets deadlines for applications that the applicant cannot possible meet and does so in order to obtain information that they already have.

I will update this blog in late July. By then Linda will have no money and be awaiting her first Old Age cheques.

Her rent will go up to $510 based on the assumption that she will get her full Old Age Security.

If she only gets the basic OAS of $551 a month, she will have $41 to pay a hydro bill of over $100.

If she does not pay her hydro on time, she will receive an eviction notice.

Getting enough food to live will be an adventure.

Stay tuned!

Js/May 16, 2014

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Doing the BORF: The new world of vacationing Torontonians meeting Americans

I recently went on a vacation cruise to the western Caribbean as the itinerary included Honduras, Guatemala, Belize and Grand Cayman – four places I had never visited and wanted to experience.

Truth in advertising: this was a luxury cruise with a high concentration of prosperous looking white people and a preponderance of Americans. But I had no idea that I was going to BORF so I started to keep notes on the experience.

The qualifications for a BORF  are unique to people who travel from Toronto to another location outside of Canada and who have the chance of running into Americans. A cruise in this sense is ideal.

I should also say from the outset that I had no idea I was going to BORF and I can freely tell you that I have never BORFed before. I certainly had no idea that I would BORF eight times.

My first experience was on the back deck of the ship enjoying the sunset. A tall gentleman from North Carolina joined us on a large couch as there were no other seats available. After a brief exchange, he began by asking the secret question that initializes the BORF.

He asked: “Where are you folks from?”

I answered: “Toronto….Canada”

He broke into a broad grin, shook his head a bit and replied:

“My condolences!”

OK – I knew immediately what he meant but I was still surprised that someone would offer a reply that acknowledged our mayor’s very public persona and exploits in the first two words of a travelers’ common  first time conversation.

He then asked what I came to understand as the standard second question that comprises the ritual BORF:

“You folks think he can get in again?”

I answered that under the right calculus of entrants and campaigns, it remains a possibility. He could get in again. This was received by the American with a mix of incredulity and rueful understanding.

The American then smiled painfully and said:

“Hey, y’all know that we got a President that got himself elected twice despite the damage he is doing to our country so I can understand you completely. These guys can get back in. The real problem is the voter. They don’t understand what they are doing”

At this point, I was completely dumbfounded. I had no idea that Barack Obama was held in such low esteem by some Americans[1] to the point that this view had become – in at least some circles – the conventional wisdom.

The American then looked up and started to laugh and asked:

“Hey, you folks want to make a trade?

Just at that moment, a spectacular full moon in a light yellow orange colour I had not seen before distracted us from conversation.   I had just BORFed for the first time and had seven more to go.

I had thought of this first conversation as a curious one-off . Yet it just repeated itself over and over – at dinner – in the pool – in the hot tub – on excursions – in buses – everywhere.

By now you know that BORF stands for ‘Barack Obama Rob Ford’.

BORF experiences can vary – one fellow noted emphatically that he was not a racist – but it is the sameness that is arresting, especially as several ingredients have to be baked in to make the conversation intelligible.

The first is that both Americans and Torontonians are assumed to know the names of the parties. In the classic BORF, neither the name of Toronto’s mayor nor The US president is ever mentioned.

The second is the assumption by the American that Toronto’s mayor defines Toronto and does so in a negative way. In my third BORF, when I said I was from Toronto, the gentleman just began laughing and asked: “How did he get in?”[2]

The third ingredient is that it will be taken as an article of faith that Obama is not only performing poorly but that he is an embarrassment to his country and that a Torontonian would presumably know that.

The fourth and perhaps most important ingredient for the BORF  is that it is an occasion for humour. For the Torontonian, it is just assumed that you will share in anything from an exchange of smiles to a knee-slapper of a guffaw about the Obama-Ford nexus.

After my fourth BORF, I began to realize that the BORF exchange would characterize most if not all initial exchanges with Americans on the cruise. Only once (the proverbial exception that proves the rule) did I not BORF in an inaugural conversation with an American. But in her case, she had been to Toronto last year and wanted to go on about how clean it was.

John Kenneth Galbraith defined the concept of the conventional wisdom as having four components. Conventional wisdom is simple, comfortable, structures an understandable frame and it gives you self-esteem.

The BORF is an example of conventional wisdom at work. The two men that symbolize the BORF exchange have accessible personas and foibles. The values many of us share give us permission to comfortably criticize them in a public space. Their actions and our reactions are understandable. And it makes us feel good that their transgressions are more public and more egregious than our own.

I have also come to understand for the first time the extent to which Mr. Ford’s persona has completely eclipsed and remade the concept and reality of Toronto.

So, a word to Torontonians heading south this summer:

On your mark – get set – BORF!

John Stapleton

March 30, 2014


[2] Note to self: Is saying that you are from Toronto really a signal for someone to start laughing?

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Hoping for genuine efforts to address self-identified needs: Guest Blog from Pat Capponi

What if the archetype of the mad, the lonely dishevelled man screaming and scaring passersby on big city street corners could be transformed into a contributing citizen, not through the efforts of those institutions  which claim to change lives, but through genuine efforts to address the self-identified needs of the ‘ chronic patient’: decent supportive housing that enables tenants to practise autonomy, integrated staffing that reflects the value of lived experience instead of coercing, controlling and crushing independence, role models who can address self-defeating behaviours learned on hospital wards and back alleys, and earned income that relieves soul-crushing poverty

When people first learn of their diagnosis, they aren’t thinking of those advertising campaigns that portray mental illness as seated in the clear-complexioned, well-dressed, gainfully employed condo dwellers, no, they think of that man on the corner, how he is shunned and avoided, and therein lies the roots of prejudice, our word for stigma.  And the public, potential employers, police, educators, even those self-described champions of mental wellness, that is the image they have: that man, tormented by voices, angry at the world, dangerous and strange.

That is the image we must address – not hide from – if we are to be effective at fighting ignorance and fear. Those of us who carry the chronic label, who have been consigned to poverty, poverty much more enervating and all- encompassing than a simple a lack of money, find it very difficult to believe in ourselves  when everywhere we go, agencies, drop-ins, social assistance offices, we are still treated like back ward mental patients.  Since the early days of unplanned and unfunded de-institutionalization, we’ve been the object of other people’s decisions, and borne the brunt of the consequences and lack of awareness of our potential, this plays out too often in our being consigned to  beds in distressed housing or shelters, in the hands of teams that bang on the door to deliver each day’s medication, drop-ins that keep us out of public view and neighbourhoods that reflect our own impoverished existence.

We die 25 years earlier that the general population: stress, malnutrition, hopelessness, depression, isolation, and the inability to affect anything in our environment.  The reality is, many die without ever living, without having any respite from poverty, resulting in too much lost potential, lost contributions

We don’t understand that people need to feel valued, they need purpose, they need to be seen as individuals first, we allow poverty and labelling to camouflage worth, we see only the ‘madness’, the inabilities, the brokenness, and act on the assumption that that’s all there is to the person.

We have had to go it alone for decades, we’ve had to show ourselves what we are made of, we’ve manufactured hope and inspiration where before there was none, created opportunities for engaging with community and social enterprises, reached out to other marginalized groups to better see and understand that not all we feel is related to our diagnosis, which has helped some get out from under the weight of their label.

We know that stigma has a safe home in those staff and systems that make up our world, where we experience the soft tyranny of low expectations that keep us from achieving, keep us from breaking out of poverty and illness towards a life that matters. We compound this tyranny each time we meet without representatives from this population, each time we speak for, act on, avoid, or assume what is needed.

We keep those with mental illness apart, streamed into services ‘just for them’, and that exacerbates the belief that its all about the symptoms –we need to tear down the silos, and funding pockets to bring those on the margins together, like we do at Voices, where   those with mental illness, those with addictions, stressed out newcomers, abused women, meet and learn public speaking, leadership, causation, responsibility and how to shed institutional behaviour.  We have high expectations of participants, which they live up to, often grateful, enjoying learning from one another and about themselves.

There are other bright spots, where we’ve been welcomed, even sought after, to teach, to participate, to guide. Dr. Reva Gerstein was the first, when she endorsed the concept that all else being equal, those with lived experience would get the jobs at the Gerstein Centre, moreover, recognizing that many have not had the opportunity to complete their education, she instituted crisis worker training program geared for new comers and lived experience. At government tables, we are not seen as mental patients, our lived experience and advice is valued, on the Toronto Police Board mental health sub-committee, which I co-chair with Alok Mukerjee, we are valued, and have made significant contributions to furthering understanding and improving training. Deputy Chief Mike Federico is another who has utilized our abilities, even when we do not always agree.

Men and Women from Voices and the Empowerment Council participated in a video created by the police college when they talked about what it’s like when the police come to your door, what escalates situations, what it feels like to be dragged from your home into a police car, handcuffed and afraid. Nothing is more powerful than hearing from those directly affected.

We have looked at the training offered, we have made strong suggestions, and continue to do so.  We know that the first time a police officer meets and confronts a psychiatric patient shouldn’t be in crisis situations, we know that a simple demand that those who wish to become officers, who take college courses to prepare, need to spend a few months working in neighbourhoods where we congregate. So that strangeness is erased, panic quelled, relationships formed.  Our graduates help train medical students and social service workers, nurses and lawyers.

I vividly remember the day, seven years ago now, when two first year psychiatric residents from the U of T met with me in a coffee shop, they had heard one of our speakers in grand rounds, and felt they were not hearing any of our experience in their courses.  As a result, we’ve been meeting once a month in each other’s homes- with first to fifth year residents, to discuss their learning and our take on it, and we are building a cadre of psychiatrists who will have a better understanding of who this chronic patient community is composed off.

Dr. Sacha Agrawal approached me to work with him to create consumer advisors who meet with fourth year residents during their chronic rotation to ensure that those residents see us when we’re off the ward, in our minds, with our hopes and ambitions and struggles.

To combat the early and unnecessary deaths, we send our graduates into drop-ins, to talk about the toll taken by living rough, and family doctors join us to encourage people to sign up for a primary physician.

We should be celebrating and elevating to the public consciousness the extraordinary accomplishments and contributions that have come from our beleaguered segment of society.  Profiling those who have survived extraordinary challenges, from SMI, toxic families, addictions and  street existence, and kept their humanity, compassion and empathy would move the hardest heart.  I tell our group members, this is our Phd, this makes up our credentials.

And yet we find we have a long waiting list of people who wish to be peer workers, because there is resistance from some unions and some professionals who feel that their credentials would somehow be tarnished if they had to work alongside us.

Our presence in the work force would effectively address the roots of prejudice, and the cause of fear-based responses to people in distress,  it would also go a long way to eliminate the resistance to treatment, now seen as a feature of the illness rather than a strong awareness of the social consequences of being labelled.

We need to re-think our approach to the ‘chronic’ population now.

Pat Capponi

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Doing social policy: The 10 elements

Making a case to the public- John Stapleton Here is  a PDF of the ten elements of social policy advocacy that will connect with the public. It is a simple checklist based on John Kenneth Galbraith’s 4 part concept of the conventional wisdom and Jonathan Haidt’s 6 elements of the moral palette. Only Gandhi and Mandela have promoted movements that touch on all ten.

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The rise and fall of welfare analysis in Canada

As a lifelong student of social assistance caseloads in Canada, I looked forward to The Rise and Fall of Social Assistance Use in Canada, 1969-2012 by Ron Kneebone and Katherine White. My interest became even more avid when I read that the authors had cited some my data to come to their conclusions.

The report is reasonably fair in its approach even if it does not mention or analyse the most important reasons why welfare caseloads have risen and fallen in Canada.

But that was before I read the news release supporting the report which comes to remarkably different conclusions than the report itself. Its chiding tone and speculative welfare baiting made me wonder if the real news release supporting the report was somehow mislaid or ‘separated at birth’.

I wondered if the drafters of the news release rolled the dice and bet that the media would cover the release and not the report itself. If they did, they guessed right.

The release insinuates that Ontario’s programs are more generous than other provinces especially in comparison to those in Quebec and speculates that policy missteps played a role in encouraging more people to go on welfare in Ontario. It goes on to highlight that Ontario’s caseloads are among the highest in the country.

So let’s start with the first question: are Ontario’s caseloads actually higher than in every other province? With almost 40% of Canada’s population, of course they are. Ontario is by far Canada’s largest province. Ontario also has the most children, the most seniors, the most cars, the most houses, malls and mailboxes. So what?

Simple arithmetic from the report takes us straight to the answer if we are prepared to compare apples to apples.  We just have to keep in mind that Ontario’s population is 66% higher than Quebec’s. Ontario has 13.6 million residents. Quebec has 8.15 million.[1]

Ontario’s social assistance caseload, (according to Table 2 of the report) shows that Ontario has exactly 66% more welfare recipients than Quebec (550,441 vs. 330,707). This means, on the face of things that Ontario’s rate of social assistance recipiency is the same as Quebec’s, not higher.

But that’s not the whole story. We need to remember that Employment Insurance is a large social insurance program that keeps those who have lost their jobs from going on welfare.   EI rules in Quebec are less stringent than in Ontario.For example, Ontario has almost exactly the same number of EI recipients (152,000 in Ontario vs. 150,000 in Quebec)[2].  On a per capita basis, Quebec has more than a 60% higher rate of reliance on EI.

What this means is that Quebec’s overall rate of reliance on basic income security programs for the jobless is actually higher than in Ontario. So much for Ontario’s supposed plight in comparison to Quebec.

Looking further eastward, the news release reserves special congratulation for the Atlantic Provinces  where it notes: “…social assistance usage is only half what it was just 15 years ago and currently sits below any level observed in those provinces since 1970.  Kneebone and Wright are quoted as saying “Remarkably, the rate of social assistance use in Nova Scotia, New Brunswick and PEI is currently below that in Ontario”.

This is the point where I start to ask the question: What planet are we on? Is it not extremely well known that EI is a completely different program in Atlantic Canada and that Ontario is saddled with the toughest EI rules (both entry and duration in benefits) in Canada?

Hold on to your hats! The (per capita) percentage amounts by which EI active claims exceed Ontario’s in each of the four Atlantic Provinces are as follows: Newfoundland and Labrador: 447%; PEI: 348%; New Brunswick: 281%; and Nova Scotia: 166%.

I can only agree with Kneebone and Wright that it is remarkable that the rate of social assistance use is higher in Ontario than the Atlantic Provinces. Ontario would look like 1970 too if its residents had access to Atlantic EI benefits.

And that’s a cautionary tale respecting further cuts to EI in the provinces that have the more generous EI rules.  Make Atlantic Canada live on a diet of Ontario’s EI rules and watch what happens. It won’t be pretty.

But there are other interesting things going on. It’s not just about ‘denominator neglect’ and different EI rules.

Children receiving social assistance are also an important part of this story.  Delving deeper into the numbers, I became puzzled by the number of children in families that receive social assistance, especially in Ontario and Quebec.

Heading to government websites, I discovered that in December 2012, Quebec reported 103,000 children in families receiving social assistance.  Interestingly Ontario reported 250,000 children[3] in social assistance families. This (almost) 150% difference is way out of whack with the population differences between the two provinces.

On the face of it, Ontario’s number of children per social assistance recipient is 0.45 children per case and Quebec’s number is 0.31. Only two answers can account for the data discrepancy: either Ontario’s social assistance recipients have 46% more children than Quebec’s or Quebec has removed many more children from its statistics through its separate child benefit program. Maybe the difference is a result of universal child care. May be it’s Quebec’s low birth rate

Who knows? The one thing that we do know is that Quebec does not have far fewer children in receipt of social assistance due to policy missteps or greater generosity in Ontario.

All in all, Kneebone and White’s paper is still a useful addition to the literature on current and historical social assistance caseloads.  It begins a new discussion that I have tried to start a hundred times.

But whoever wrote the news release appears to have little interest in this discussion or the facts. Their purpose is to peddle shopworn bromides about Ontario’s welfare program while using Kneebone and Wright as a foil.

I can’t say that it won’t work as welfare bashing is a potent force in this country and doesn’t like being confused by facts, analysis or arithmetic.

Still, we can hope that we are better than this.

John Stapleton

February 22, 2014

A Train They Call the ‘District Of Scarborough’

(To be sung to the tune: City of New Orleans)

Riding on the ‘District of Scarborough’
Union Station, Monday morning rail
Thirteen cars, two thousand restless riders
Two Conductors; we don’t carry mail
All along the southbound odyssey – the train pulls out of Kennedy
Rolls past malls and condos made of steel
Tanker cars that have no name, freight yards back to work again
And megalots of high-end automobiles

Good morning, Toronto, how are you?
Say, don’t you know me? I’m your native son
I’m the train they call the ‘District of Scarborough’
I’ll be done 10 circuit trips when the day is done

Dealing transit plans with Toronto City Council
None agree – ain’t no one keeping score
As the paper war that freezes movin’ forward
Feels the wheels grinding ‘neath the floor
And daughters of long-time residents, sons of the ‘newly here’

Ride our fathers’ carpets made of steel
And mothers with their babes asleep rocking to the gentle beat
And the rhythm of the rails is all they feel

Good morning, Ontario, how are you?
Say, don’t you know me? I’m your native son
I’m the train they call the ‘District of Scarborough’
I’ll be done 10 circuit trips when the day is done

Sunset on the ‘District of Scarborough’
Changing trains again at Kennedy
Almost home –  repeat again tomorrow

Through Rouge Hill’s darkness, there’s no guarantee
As Guildwood station closure seems – to fade into a bad dream
And Government still ain’t heard the news
Birchmount bike lanes gone again – the voters will please refrain
This borough’s got the ‘growing poverty blues’

Good night, Canada, how are you?
Say, don’t you know me? I’m your native son
I’m the train they call the ‘District of Scarborough’
I’ll be done 10 circuit trips when the day is done

With apologies to Steve Goodman, composer of the ‘City of New Orleans’ whose song is, as John Prine once noted – and I paraphrase here -the “best damned railroad song I ever heard”.

Perhaps the best version of the song was performed by Arlo Guthrie, son of Woody Guthrie.  

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The Sad State of Social Services – Guest Blog from Pat Capponi

One of the most instructive exercises we do with group members at Voices From the Street is to ask what would have helped them avoid the life path they’ve been on, lives mostly filled with pain and challenges and want, decades spent on the streets, in shelters or housing that is barely safer than a park bench.

This is after we’ve stressed the importance of each person taking responsibility for bad decisions, and/or bad actions; without that acknowledgement it’s difficult to move forward constructively, it’s part of being an adult to own up to mistakes.

Sometime later, we pose the important question of what society’s responsibility is: those teachers, ministers, police, parents,  and agencies that are supposed to protect the innocent and vulnerable, where were they, what were they doing, at the critical time when lives were being broken, twisted, and stunted.  We ask this not to excuse the individual, but to show that we are part of a system that has failed too many, and needs, though it doesn’t want, our direct input to do right.

The answers come with tears, rarely anger, mourning a life that could have been, should have been easier, rescues that might have happened, if our social services, our education system, our children’s aid offices were functioning as funders and the general public expect them to.

It is heartbreaking, children left to fathers, ‘uncles’ or step-fathers who beat or sexually abused them, going to schools where these earliest experiences leave them vulnerable to bullying by their peers and to predatory behavior from those who thrive on breaking trust, who pick up the scent of hurt and damage and salivate as if they were sitting down to a feast, a feast provided by those who turned away, who blamed the victim, who failed their duty to protect and defend the defenceless.

Gay children, children of color, poor children, children in the first throws of mental illness, doomed by prejudice, laziness, massive systems failure, those children blame themselves, of course they do, how could they not, when everyone they looked to, before giving up entirely, seems to blame them. They must be bad, deserving of each beating or failure or loss.

These are not the people profiled on agency or government websites, to show how well programs are doing.  It would be instructive if they were.  “Here is Jane Doe, who we might have helped if we’d been more responsive, more timely, more dedicated to our profession, she wouldn’t have been abandoned to bad men, addiction, prostitution, mental illness or prison. We failed Jane Doe, and we own that failure, and will ensure we correct our mistakes through revised policies, placing people with lived experience on our boards and staff, and most importantly through removing front line workers and executive directors who’ve grown too jaded or self-important to do their jobs.  Honoring Jane Doe, all the Jane and John Doe’s, means accepting that they deserve better from us.”

We only catch a glimpse of culpability when the victim dies and an inquest results, nothing requires us to respond to the barely living. Our system routinely fails those most in need, and blames the failure on those they neglected.

Governments, unions, accrediting bodies, those who work in the systems that are so dysfunctional, all conspire to maintain the illusion that we have a strong social safety net, none of these sectors want tackle the bloated, inefficient, ineffective systems that serve only themselves, and those who are least damaged. No wonder ‘the poor will always be with us.’

Pat Capponi

 

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Meanwhile back in Toronto – More Fords to come?

Take a long look at the political structure of Toronto.

The reality is that the framework of the city where the mayor gets one vote of 44 will continue to spawn and nurture the Rob Fords of the world.

Ford wasn’t the first – Mayor Mel who brought in the army for the snow and welcomed the Hell’s Angels to the city was the first  - and Ford won’t be the last.

Mayor Miller in his second term was a very angry man. Remember his one penny campaign to get a slice of the GST – the fist pounding and the explosive exhortations?

The problem is that the only type of candidate who appears able to get in now is someone who purports not to go to work for City Hall but to clean it up. I hope I am wrong

Under the structure of the City as set out in Provincial law, voting factions are hard to form  and political parties are not allowed. Therefore, the nation’s largest city is constantly in a clinch where not much of anything important seems to get done. Transit, roads, the waterfront, the Island and its airport – you name it – simply flounder in a stew of profound directionlessness. While other cities get on with the job, digging traffic tunnels and cleaning their lakefronts, proposals and plans in Toronto seem forever to sit atop an ever changing House of Cards floating on a porridge of quicksand.

The angry crusader who states the obvious to cranky voters gets much publicity but with many entrants and splintered factions, the angriest of the lot obtains the needed notice to get elected as did Ford, Miller and Mayor Mel Lastman, the latter whose  private sector  nom de plume continues to be the “Bad Boy”.

(Now that ought to tell you something.)

On the other side of the equation, the angry crusader mentality in human form – the guy or gal  who is going to mop things up or stop gravy trains – has to have absolute zero skills in getting along with fellow councillors – all with their own single vote – and need not have any idea as to how to form or maintain alliances.  Negotiation skills, the people skills or any of the other soft skills you’d like to see in a mayor are neither required nor considered desirable.

With one vote out of 44, the public expectations of the position are then way out of line with the reality of what he or she can actually accomplish. That sends the crusader off on a course where he goes back to what he does best – ranting disruptively with the explosive and angry tirades that he feels got him to be mayor in the first place. After all, isn’t that what catapulted Ford into power in the first instance? The answer is yes.

Until the ‘powers that be’ can figure this out, I am afraid we are going to have many more angry, utterly independent and crusading outsiders winning the largest directly elected seat of government  in Canada.

The Harris government put this structure in place in the late 1990’s and it was christened the ‘megacity’ which at the time, we all pronounced as one would pronounce the word ‘mendacity’.

It has not worked from the beginning and it won’t work in the future. So we all need to get used to it.

As I said, I hope I am wrong.

But just in case, reserve a slot on US late night TV for whomever gets the mayor’s chair in this city – Ford  could just be the beginning!

 

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Conrad Black and the Order of Canada – Be careful what you wish for……

I wrote the following short essay in October 2012 during one of the many media dustups concerning Conrad Black and his Order of Canada. Now he is out. This was the wrong thing to do. In October 2012, I thought the main problem was that other more sympathetic Order holders would get booted out.  The main problem now is that many who should be invested in the Order will not be.  Only time will prove me right or wrong but I really worry that the disinvestiture of Lord Black will be the bellwether that changes the criteria for the Order and for all the wrong reasons.  I realize that this post will not win me many friends…. but read on and see what you think:

 

After following the debate closely, I do not believe that Conrad Black should be divested of the Order of Canada.

The temptation to remove from him from the Order is palpable. He is a convicted felon in the US. He renounced his Canadian citizenship. And now, he has written yet another tome where his self-serving weaknesses are bared for all to inspect. (This refers to his book: A matter of principle)

He is not a very likeable fellow when viewed from afar. His personal history reads like the prayer book in the church of bombast. His language is circumlocutory and tortuous. While the rest of us move from the dining room to the parlour, Mr. Black “repairs”. He is not the same as you and I.

Worse, he appears to think that he is better than us. This is clearly no plan to win a test of popularity.

Barry Switzer famously noted that “some people are born on third base and go through life thinking they hit a triple”. Lord Black was born on home plate and can show you a trophy room that celebrates his home runs.

But for all his many faults, his fall from grace and troubled past, should the Governor General be seduced into following the opinion of the moment and remove his signature award? The answer is no.

Unlike David Ahenekew who made grotesque and impossibly misguided comments concerning Jewish people, Mr. Black’s only remaining criminal convictions concern obstruction of justice for carrying boxes out of his own office and a single conviction for fraud. While we snicker and all believe that he was up to something far more nefarious, we must depend on the public record for the facts on which he must ultimately be judged. Mr. Ahenekew’s transgressions were far more hurtful and embarrassing and his Order of Canada was only lost when he refused to recant his absurd accusations.

We are then faced with the foibles of Allan Eagleson who relentlessly raided the savings and pensions of the hockey players whose retirement protection he championed. Like Black, he revelled in the spotlight while allegedly fleecing those who held his trust. The comparisons are difficult to differentiate. If Eagleson lost his membership in the Order, then why should not Mr. Black?

The answer is that Mr. Eagleson was convicted of relentlessly and knowingly fleecing those who trusted him and Mr. Black was not.

But perhaps more importantly, Mr. Black continues to do good things. Since 2000, he has written three books (now four) and a number of thoughtful articles on the failures of the American and Canadian prison system. His arguments are persuasive and are a breath of fresh air from a man with his credentials.

He wrote one book and several articles following his convictions, some of which were written while behind bars. And more to the point, many of his accomplishments, unlike Ahenekew’s and Eagleson’s, were not summarily unwound by the transgressions that now form the case for his removal.

But with all that said, not one of these reasons number among the most compelling reasons why he should not be removed from the Order.

The most important reason is that Mr. Black’s removal would set an unacceptably low bar for dispensing others from the highest honour Canada can bestow.

Can we imagine far off convictions of Canadian heroes protesting human rights violations being reason enough to remove them from Canada’s highest honour? What if they had immigrated to another country after attaining the honour?

Many émigrés “renounce” their Canadian citizenship and Conrad Black only did so because of an antiquated 1919 request by the Borden government to the British government to refrain from giving awards to Canadian citizens – in other words, a technicality.

Should then other members whose only sins were to leave Canada and be judged guilty of a crime be automatic candidates for expulsion from the Order?

We can only hope not.

If contested criminal convictions and leaving Canada for another country are used as the deal breakers to remove Black’s award, there may be well regarded members who would be reviewed for a similar fate waiting in the wings both now and in the future.

The simple reality is that most of us are calling for Black’s removal not on the grounds that he is a convict and someone who has supposedly turned his back on Canada. Instead we want him out because we don’t like his persona, his aloofness, his litigious nature, his seeming arrogance and the un-Canadian sense we get that he believes that he is better than the rest of us.

This is not good enough reason to cashier him or anyone else from the Order of Canada.

John Stapleton

October 29, 2012

 

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