Reality Chick

I was thrilled to see this new lit mag describing itself in Poets & Writers as pursuing an agenda of publishing gritty urban stories.  Refreshingly free of political correctness and the strictures academic hot house, it’s even run by people with day jobs in the real world — imagine that!

I love Curbside Splendor. The founder, Victor David Giron is the son of Hispanic immigrants who doesn’t wallow in identity politics and actually works in the business world.

I have almost despaired of university literary journals – I can feel the boredom of the great plains and the drudgery of academic work through every line.  Where did the art of engagement go? These lit mags, coming from rural academic settings, leave unexplored the ordinary working lives of city dwellers. I find myself skimming them and latching on to the two or three stories out of perhaps thirty that cover the urban ground I crave.

“Curb” stories, poems, and short shorts are punchy, direct, often hyperbolic – reflecting the mind-set and communication style of city life.

I learned of “Curb” the week after I found out Open City, which professed a similar mission, was shutting down. I am pleased to say that “Curb” is a much better journal, and more closely adheres to it’s urban mission statement.  To me it harks back to the original “underground” literary scene of New York in the 1980s – publications like “Between C & D” writers like Luc Sante.

As we all know, for at least the past twenty years New York has been all but unaffordable for the non-trusted-funded writer. The scene is dominated by upper middle class young people who attended private schools, and wealthy immigrants. What have they to teach me?

Most of  “Curb” is written by Chicago-area people who have been out in the world and done a few things. My favorites: I’m not a poetry person, but I loved all the poetry – what does that tell you? Raw, visceral, direct, takes you by the collar and shakes you up.

Favorite stories: Ben Tanzer’s “Apply Some Pressure” about a bachelor party gone awry.

Short Story First Prize-Winner Brandon Jennings’ “Doc the Fifth” takes us to the wars and back. (OK – this author is in a Phd program but I won’t hold that against him – he’s been somewhere.)

Martini Hackert’s “Letters to Mama” – the vacuum lack of mother love through letters from inside.

The only weaknesses – a couple of the “multicultural” stories lack that edge, lack exciting language, and seem to want to teach us a social studies lesson.  Please note: being Indian or of non-Anglo background isn’t a story, it’s a situation. Please don’t include “international” narratives unless they’re as strong as the rest of the material.

www.curbsidesplendor.com

Read an interview with the press’s founder here:

http://www.orangealert.net/node/837

Trauma and shame can rip your tongue out. Decades ago, my friend and fellow writer, who goes by the alias  Stella Marr, was a nineteen year old sophomore at Barnard, estranged from her family and academic funding, when violently abducted into the underworld of prostitution.

It took her over a decade to get out of the life, and at least another to begin articulating her story. She finds herself at odds with the brand of feminist sex-workers who find the career empowering; her experience was anything but: 

“It was like I died after being smashed into a million tiny pieces sharp as broken glass. Then someone glued my body back together but inside I was a ghost. I became a completely different being. I felt like I’d been turned into something subhuman, and I could never turn back, that there was no chance I’d be accepted in the ‘civilian’ world. I’d become a hooker.”

To read the entire interview, and about her controversy and reconcilation with her fellow industry veterans, follow this link:

http://usedfurniturereview.com/2011/04/14/talking-with-women-stella-marr/

In Backspace’s STET! column, I ask:

Can a Writer NOT Embrace Social Media? 

My name is Christina. I’m a published writer and a blogophobic. I’m also Facebook-averse and Twitter-terrified.

I’m a long form writer, I subscribe to egghead foreign affairs journals and ten thousand words is about the right length for me to read about or explain a complex issue like the financial crisis or the AIG bailout. I used to be a research analyst, author of in-depth executive white papers, and find that the quick take on an issue is usually a dumb take.

I don’t like chatting in public, I’m paranoid about people spying on me and listening in. When I’m on Facebook I feel like I’m stuck in a stalled New York City subway, a crowded elevator, or my high school cafeteria, looking at and listening to things I’d much rather block out.

 There’s a comic I love called Andy Kimler who does a nice riff on what he calls “Fritter.”

 I’m a person who’s always had a very few, tight friends with whom I communicate deeply and at length, and I hate small talk. Small talk and mean talk is what I find on many blogs and some online communities. (Yes, I understand the irony of me saying this online .)

The writers I hold in greatest esteem don’t even have web sites, let alone Twitter their every thought. I tend to lose respect for writers who promote themselves a lot online. If someone’s sending me a Twitter and FB update every day, I think: pathetic. Monthly is fine, but daily or weekly – unless they’re doing something phenomenal like plugging up the BP gusher – looks a bit desperate. 

 I don’t like airing my work and its aims too early – because it changes. It changes every day. Nor do I think it’s useful to share my, or read about another writers’ creative process. It’s a mystery, and I like to keep it that way.  I’d rather get more and better fiction from my favorite writers than an ode to their cat, or a riff on their back garden. I want the magic, not an explanation of how they did the trick.

An essayist and author I great admired — please note the past tense — has fallen on hard times, and blogs her every misery: an ugly divorce, homelessness, bankruptcy and just plain bad attitude. I wish she didn’t. I wish she could sit on these thoughts while she works some of her problems out, instead of spewing them into the world unprocessed.  I’m not her shrink, I’m her potential audience, a future buyer of her books, if she’d only stop blogging and get back to work.

 That said – does anyone know of any services that could help me with my online promotion? Because as much as I rant about it, I understand that it’s here to stay. 

http://backspacewriters.blogspot.com/2010/07/can-writer-not-embrace-social-media.html

http://backspacewriters.blogspot.com/2010/07/can-writer-not-embrace-social-media.html

This week I’m prominently quoted in the Society for Human Resource Management news magazine on the effectiveness – or not – of the Americans With Disabilities Act.

“Many of our fellow citizens with disabilities are unemployed … they want to work, and they can work,” said President George H.W. Bush when he signed the Americans with Disabilities Act (ADA) into law on July 26, 1990.

Nearly 20 years later, President Barack Obama said in a Sept. 30, 2009, National Disability Employment Awareness Month proclamation, “We must seek to provide opportunities for individuals with disabilities. Only then can Americans with disabilities achieve full participation in the workforce and reach the height of their ambition.”

Yet for some the dream of meaningful employment remains as elusive in 2010 as it was in 1990. And there is some evidence that the ADA might have made things worse.

“Analysts have noted a decline in the employment rate of people with disabilities in recent years, and some evaluations of the ADA indicate that, rather than increasing employment, the Act may have reduced employment for those with disabilities,” noted the November 2008 edition of the Monthly Labor Review published by the U.S. Bureau of Labor Statistics (BLS).

“Although the ADA was intended to increase employment opportunities for people with disabilities by prohibiting discrimination in the workplace and by requiring employers to accommodate the needs of workers with disabilities, economic theory is more ambiguous,” the BLS publication continued. “The major argument economists have made is that if employers perceive the costs of accommodation to be high, they will refrain from hiring workers with disabilities.”

As of June 2010 less than 22 percent of people with disabilities of working age are employed—compared to 70 percent of people without disabilities—according to BLS statistics.

Individual Experiences Vary

In the late 1980s, while working as a public relations director for a well-known Wall Street firm, Christina Gombar was diagnosed with Chronic Fatigue and Immune Dysfunction Syndrome (CFIDS)—a condition characterized by incapacitating fatigue and problems with concentration and short-term memory.

“When I got sick I was given a choice of long-term disability or a severance package,” she told SHRM Online. “As I was young and didn’t think the illness would be permanent, I took a package, which I used as a springboard to a downscaled career. This was great for improving my health, but didn’t provide enough income or benefits.”

When Gombar was able to return to work full time she sought accommodations, such as the opportunity to work from home a couple of days a week, a “perk” that was resented by some of her peers: “people just didn’t return my e-mails or look at the work I sent in,” she said.

“No one seemed to ‘get it,’ ” Gombar said. “When people think ‘disabled,’ they think: blind or wheelchair, not rosy-cheeked and mobile. I looked healthy and I did stellar work so they couldn’t let go of the idea that I freelanced part time by choice, not necessity.”

Deborah Lewis, a warehouse manager at a big-box retailer, experienced a similar reaction when she was diagnosed with fibromyalgia, a chronic condition characterized by widespread muscle, ligament and tendon pain and fatigue. Though Lewis’ co-workers knew her to be a hard worker prior to her diagnosis, she said their attitudes changed after her physician placed restrictions on the type of work she could do as a result of “a condition they had never heard of and couldn’t see.”

“Some people actually told me I was putting on,” Lewis told SHRM Online. “I have been dealing with that attitude from a lot of people now for over 20 years. People won’t believe what they can’t see.”

Neither Gombar nor Lewis is employed today.

“Here is the issue for many disabled people: they may be well enough to work part time, but the ‘Catch 22’ is part-time work doesn’t come with the benefits they need, and people with chronic illnesses always have higher medical costs than the healthy,” Gombar explained. “A few private insurance companies allow disabled workers to earn something like 5 percent of their original salary on top of their disability pay. My policy forbids any earnings.”

“I was unable to find any kind of job for over four years,” Lewis said. “The little box on a lot of applications that asks if you have any limits or can you lift, bend, reach and so on, put me out of the race every time.” She now teaches art classes at her home-based studio.

Yet Gombar and Lewis want jobs.

“I would give anything in the world if I could work, but now it’s much more obvious that I am disabled,” Lewis said. “I can’t even get an application. No one wants to take a chance that something might happen to me and that I would sue them.”

“So many employers are missing out on well-educated people just because they don’t fit into their image of what an employee should look like, act like or sound like,” she added.

“I would love to go back to work … but no one wants to hire someone with a health/work history like mine,” Gombar said. “I would love to just freelance, but again—not enough income and no health benefits. I’m stuck.”

An Employer’s Experience

Susan Loynd, SPHR, director of human resources for Washington County Mental Health Services (WCMHS) in Montpelier, Vt., an agency that helps people with disabilities find employment, has first-hand experience employing people with disabilities. Many of WCMHS’s employees have cognitive impairments, developmental disabilities and mental disabilities and work as “client-staff” offering peer support and a positive role model for other clients.

“Our client-staff are some of our best employees because … they’ve been marginalized … they’ve been treated really badly,” Loynd said. “When we hire them they are so thrilled to be given an opportunity, to give back to their community, to be paying their way.”

“Employers need to see that people with mental disabilities are just like everyone else,” Loynd added. “People have these stereotypes about disability [but] until they work beside someone else they just don’t know.”

Loynd, a member of SHRM’s Workplace Diversity Special Expertise Panel, said the stigma surrounding mental illness is an ongoing barrier for some individuals. “People are fearful that someone is going to yell and scream and behave badly,” she told SHRM Online. Yet when crises occur in her community, Loynd said their clients are not usually the ones to blame. “It’s people who are not aware they are experiencing some sort of psychological issue,” she said. “Our clients have been in the system for many years so they know what triggers them and know what the resources are,” she explained, and are “usually in a better place to manage that kind of stress.”

Many Face Bias

Individuals with disabilities face the same biases today that they faced before the ADA was enacted, according to Mike Purkey, executive director of ICON Community Services, an employment service that specializes in placing people with disabilities. “We’ve come a long way baby, but we’re not there yet,” he told SHRM Online. 

The ADA was “a much needed piece of legislation,” Purkey said. “It made people a lot more aware of people with disabilities and the fact that they are in the workforce.” But he said that many employers lack understanding and hold preconceived notions about people with disabilities—whether they acknowledge them or not.

“I don’t think the employer wakes up in the morning and says ‘I am not going to hire people with disabilities because they are trouble,’” he said. “But [the ADA] scares businesses, who fear they will get sued.”

Kate Cullen, a human resource professional in the Washington, D.C., area, said ongoing education can help hiring managers overcome ignorance and risk-aversion, which she said are the biggest obstacles to the full employment and integration of people with disabilities into the life of an organization.

Competitive Advantage

Companies lauded for achieving high performance from large numbers of employees with cognitive disabilities—such as Walgreens and Cincinnati Children’s Hospital—started with a clear vision of what they wanted to achieve, and believed that even those with cognitive disabilities would be assets.

And, as SHRM has reported previously, they were right.

Such success stories can motivate other businesses to follow suit.

Nereida “Neddy” Perez, vice president for inclusion and diversity at National Grid, one of the world’s largest utility companies, said that in 2009 her company began making “a concentrated effort to establish strong external partnerships with professional associations interested in the advancement of people with disabilities.”

“We established two new employee resource groups (Veterans and Enabling),” Perez added, “to help increase awareness about career advancement opportunities within the company as well as help us identify areas where as a company we could eliminate obstacles/challenges.”

And the company anticipated the needs of applicants and employees with disabilities by completing a facilities audit and by developing a team approach to workplace accommodations “to ensure that we address all of the needs of the employee,” she explained.

But Perez, a member of SHRM’s Workplace Diversity Special Expertise Panel, said there was more her organization could do. “We will look for ways to connect our internship program to any organizations that provide interns who are disabled,” she told SHRM Online. The company plans to train managers on interviewing skills for working with people with disabilities as well.

Some Mostly Positive Experiences

Cynthia E. Kazalia, a placement specialist for New Directions Career Center, a Columbus, Ohio-based nonprofit organization that assists individuals in career transition, said her bone tumors might impact her range of motion and balance but they haven’t affected her career.

“Is it possible that I did not get a position over the course of my career due to the bone tumors?” she asked. “Sure. But an interviewer might have also turned me away because I laughed too loud or reminded them of their ex-wife.

“That said, I am not unenlightened about the existence of prejudice,” Kazalia told SHRM Online. “Once, on a summer job, an attorney told a joke that ended with, ‘That’s what happens when you hire the handicapped.’ A horrified look then crossed her face as she focused in on my presence. ‘Oh, Cindy,’ she said. ‘I’m so sorry.’ The apology left me baffled until it occurred to me that she considered me disabled.”

“John,” a mid-fifties senior engineer with a congenital birth defect of the spine, said he has had no difficulties gaining employment throughout his career because people with his degree were in demand and employers were willing to “look past” his disability, which requires him to use braces, crutches or a wheelchair to get around. He requested anonymity for this article because he said his employer, a major defense contractor, “thinks they are doing what is best for me and I don’t want feelings to be hurt.”

“With my latest job change my employer has probably gone out of their way more than any other to make physical plant changes to make my life easier,” he noted. “However at the same time, in some areas they don’t seem to listen to my true needs and as a result money and time is wasted changing things that don’t need to be changed while ignoring things that do. This all seems to fall under the category of ‘I think I know what’s best for you and you don’t,’ ” he added.

Though his experiences have been largely positive, he too has faced a few challenges.

“For the most part my input and work efforts appear to be respected and appreciated,” he said. “However there are those who, for whatever reason, appear to be very uncomfortable with and around me.”

And in some cases, he said, he is treated like “the poster child” for those in the facility with disabilities.  Therefore I end up with trying to deal with the often uncomfortable task of speaking for all those in our facility with a disability.”

The Legacy of the ADA

Loynd said the ADA was a good start. “I think there are a number of folks who, but for the ADA, may not have had an opportunity at all,” she said.

Paul Miller, program director of the Green Mountain Workforce supported employment program at WCMHS, said that the ADA helps “keep bigger companies honest” and helps to create a dialogue: “It’s like having the big guy on the block standing behind you while you’re asking the kid next door for your $5 back.”

Perez said the ADA has “helped to raise awareness of the challenges faced by people with disabilities and establish guidelines that help businesses better understand what is expected from them.” But she said more work is needed, and that HR professionals “need to take the lead in addressing and eliminating the unconscious biases that exist in our work environments that sometimes impede the hiring of people with disabilities.”

This means holding leaders accountable for recruiting people with disabilities, she said, as well as challenging leaders’ perspectives about people with disabilities “the moment that someone makes an inappropriate comment or exhibits a behavior that is not professional.

“As HR professionals we have a responsibility to ensure that we effectively leverage the talents and skills of all employees,” Perez added. “If we see and know that there are barriers in the workplace that prevent an employee from being successful then we have a responsibility to address the issue.”

“Given the anticipated labor shortages that are coming up, look to a nontraditional workforce,” Loynd said. “Don’t back yourself into a corner when you are looking to hire people.

“Instead of putting an ad in the paper and talking to the first three people that walk through the door, widen the net,” Loynd said. “I guarantee if any one of these HR professionals called [WCMHS] and said ‘I need a couple of employees’ [agency staff members] would fall out of their chairs. We have a backlog of people waiting to work.”

An Open Mind

“Half the battle is having an open mind. Realize that you have many folks working for you who have mental health challenges right now,” Loynd said. “I work with these folks every day—there is no difference between folks that have a mental disability and anyone else.” 

“While we should not let disability be a barrier to employment, we also need to be mindful that we don’t hire an applicant ‘because’ of their disability,” Miller noted. “Applicants are not their diagnosis.

“We need to remind all staff and community members to think outside of the disability,” Miller said. “Ideally, we should be treating everyone the same. Everyone is important, but not necessarily unique or special.”

When Purkey meets with business leaders he sometimes asks them what a person with a disability looks like, or to name a person with a disability. He then uses examples such as former Sen. Bob Dole—whose war wounds left him with limited use of only one hand—and Sen. John McCain—who cannot lift his arms above his shoulders—to illustrate that people with disabilities are everywhere and can hold positions of power.

“If we stop looking at disability as something scary, abhorrent, we can look at it as ability,” he said. “We all have things we do really well and things we don’t.”

 http://www.shrm.org/hrdisciplines/Diversity/Articles/Pages/HastheADAMadeaDifference.aspx

My short memoir on  life at AIG named runner-up in the Manhattan Media Contest. Read it here:

                                    Elegy for an Organization

“In the federal trial, AIG alleges that ousted CEO Maurice ‘Hank’ Greenberg left AIG in 2005 with 290 million shares of illegally seized stock, since sold for an estimated $4.3 billion …” 

I could tell you about AIG.

That I was one of the no-name people, not the elites who screwed up.

That I made $20,000 a year.

That my office was on the narrow crooked end of Wall Street.

Where on the most glorious sunny day, it was dusk out my manager’s window.

That my own office was three mustard-colored walls and one grey, free-standing partition.

I could tell you that I was terrified.

Of the big buildings, the air of mystery, the sub-CIA cowboy culture.

Of the numbers I didn’t understand.

I could tell you that our P.R. policy was Don’t Talk to the Press.

That the building foundations shook when USA Today named our chief, Hank, the  seventh highest-paid CEO in the nation, or was it world?

I could tell you that not only in the company, but all over Wall Street, everyone knew that A.I.G. meant All Is Greenberg.

I could tell you that if Spitzer hadn’t forced Hank out, we wouldn’t be in this mess.

That AIG’s been brain-dead ever since.

I could tell you I have a soft-spot for Hank.

I could tell you that this company was a family when I had none.

The year people died, went mad, out of business, into rehab, into nursing homes.

I could tell you that for years I ignored the half page ads in the Help Wanteds

With the tall letters that said WALL STREET.

That I only answered AIG’s because it didn’t.

That when I learned it was Wall Street and didn’t answer their calls.

That they kept calling.

That my boss at AIG was the first man I worked for who didn’t harass me.

That he was a blue collar New Jersey newsman.

That his staff called him Bambi behind his back.

I could tell you that this was the year the stock market dropped.

That a rising tide lifts all boats, but hurricanes stir up gold.

I could tell you I made the best friends of my life there.

That we drank vodka in the morning but worked through the night.

That AIG’s unofficial motto was “We shall pay no claim before its time.”

That it didn’t need a diversity program, its workers came from over the world.

Its interns from housing projects.

I could tell you we were proud of the sub-CIA cowboy culture.

 That I came to have more respect for financial people than writers.

That the Ivy arts grads I roomed with after college couldn’t hack the real world.

That they left their jobs and lived off their parents.

I could tell you that people on Wall Street don’t take money from their families.

They support them.

That AIG didn’t care about pedigrees.

Just work.

I could tell you that on my floor Jews and Arabs were friends.

            That there was a transsexual, a platinum punk rocker, and a girl with purple hair, (me.)

I could tell you all about the married closet queen and his 400-pound secretary.

I could tell you how I learned to use a personal computer there.

That on the computer cube wall hung the Leviathan company chart.

For internal use only.

A complex web of holding companies, limited partnerships, and wholly-owned subsidiaries.

Chilean pension funds, Indonesian customs bonds anyone?

Four hundred boxes, cross-linked, to outsmart the auditors.

I could tell you that when Hank made a joke people were afraid to laugh.

That his oldest son Jeffrey was overworked.

That his second son Evan looked like a movie star.

That he fired both sons, or they left of their own volition.

And became CEOs elsewhere.

I could tell you that when Hank entered a party, he scattered crowds like a smoke bomb.

That he was five foot six, or looked it.

That he was 60 and looked 40.

That the one time my work brought me within feet of him, he winked.

I could tell you that I remember what I wore that day and what it cost.

That I walked home over the Brooklyn Bridge.

I could tell you that my whole life flowed from that building.

That it split me in two and broke up my home.

That when I worked there, I moved to a seedy hotel.

That AIG was more home than hotel.

That it was both prison and refuge.

I could tell you that I couldn’t afford to leave the hotel till I got a better job.

That I left AIG after 18 months for a $10,000 raise.

That I’d have stayed for $5,000.

I could tell you that I understood why AIG was cheap.

That by the time I left I understood numbers.

About shareholder value.

About managing risk.

I could tell you that AIG wasn’t like other Wall Street Casinos.

I could tell you that once a week Hank went through his rolodex to call someone in.           

And rip his face off.

That I wasn’t important enough for this to ever happen to me.

That the old Chinese waiters were equity millionaires.

That the upper echelons lived in a culture of fear.

            That they worked with Golden Handcuffs.

AKA Deferred Compensation.

AKA Holding on for the Retirement Bonus.

Now the disintegrating company’s news Googles into my inbox, like jagged rocks down an avalanche.

I could tell you that when Spitzer kicked Greenberg out, he parted the golden pot from the people who’d earned it.

Or were promised it.

That none of this was on paper.

All on trust.

I could tell you that most likely the company chart, with its 400 cross-linked boxes, made this perfectly legal.

Is life ever fair?

I could tell you more.

I could tell you all policemen are pigs, all soldiers murderers, all men are rapists and all Wall Street workers evil.

 Or I could tell you that Hank Greenberg gave me a job when no one else would.

That the company saved my life.

Or I could tell you I left my soul back there, locked up in a grey metal desk drawer.

 http://www.nypress.com/article-20328-non-fiction-contest-runner-up-elegy-for-an-organization.html

People with chronic health issues are often also chronically financially challenged. It’s no secret that a catastrophic health event is the number one reason for bankruptcy in the U.S. It’s not just the bills, it’s the lack of earnings.

          Many people with CI’s (that’s shorthand for chronic illnesses) can’t work as much as they’d like to, or at all. If they fall down the rabbit hole of the disability system, they find themselves in an underground maze of dead-end tunnels when they try to get back to work — if, and how much they can earn without losing their health coverage and/or disability income.

The system right now makes it very hard to get off disability once you’re on it, or to even try to work while  trying to get your health back. The Social Security Administration has a Ticket to Work Program designed to deal with this, and  which President Obama’s said he plans to expand. But the stance of  private insurance companies — which offer much more comprehensive coverage — towards people disabled by chronic illnesses, especially invisible, cyclical, and variable ones, is a terribly adversarial one.

             The problem with most of the general financial advice out there, from Suze Orman to Money magazine, is that it assumes a certain amount of existing wealth and savings, and a normal working life span. For people with CI’s, it’s often just not the case. We can’t bump up our retirement savings by maxing out our 401k if we don’t have one. We can’t contribute to an IRA if we’re trying to stay in our apartment and out of the homeless shelter. We can’t pay for $600 a month in uncovered medical expenses by cutting out that daily double latte – because we could never afford it in the first place.

I’d like to create a clearing house of information, remove the smoke and mirrors that make it so hard for us to move forward financially. For the Normal ones, I need to show why their chronically ill friends and family members, unless they are married to a very high earner or have a trust fund, are barred from taking part of the working world.

 I worked healthy for 15 years, sick for nine, and had to stop full-time work ten years ago. I soon found out that I knew more about working with a chronic illness, and managing financially, than any of the career coaches, books and services out there. I was a business writer with a specialty in personal financial planning. I was and remain shocked and dismayed at the bad advice well-referred therapists, life coaches and career coaches handed out to me. It was often financially dangerous, sometimes unethical and possibly illegal. Above all, it was useless.

 A  few years ago Lisa Belkin wrote a piece in the New York Times showcasing the difficulties of working with chronic illness.

http://query.nytimes.com/gst/fullpage.html?res=9807E5DA1630F934A25751C1A9639C8B63

 The concept of being disabled before one has accumulated substantial savings isn’t even on their radar screen.  No investment advisor has a plan for someone with an empty bank account.

  Reality Check Needed:

The women (and men) I’ve met in the chronic illness community – in my doctor’s drip room, online, people who’ve called me responding to pieces I’ve written – worked until the bitter end, worked until they were taken away on stretchers, often fired without disability pay simply for being ill, as I was when first stricken in 1991. When we strike up conversations hooked up to our IV’s, the first thing we talk about is – Do you still work? When did you stop working? How did it go? Many have a lawsuit pending, because their employer refused to accommodate their illness: they were essentially fired for being sick. After publishing an article, I got a phone call from a once-middle class woman, now homeless due to Chronic Fatigue and Immune Dysfunction Syndrome (CFIDS). She’d been socially and financially frozen out by most of her family. One brother was sympathetic, but his church-going wife opposed either letting her ill and homeless sister-in-law move in, or his supporting her in any way financially. He did manage to transfer the many Marriott points he’d earned through his extensive business travel to her, so she was intermittently able to stay in comfort, when she wasn’t scrambling for a bed in a shelter.

The Marriage Penalty

Chronic illness kills 80% of marriages in which they occur, so most women do not even have the option of being dependent on anyone.  When I travelled to Washington to ask Congress for more CFIDS research funds, my lobbying partner was a divorced woman holding an M.A. from the University of Chicago, who’d held high government offices and once ran her own business, who had been reduced, for a time, to living in her car. She now has a clean and safe trailer. Brain damage caused a speech delay, as with a stroke victim, and at 50 she walked laboriously with a cane.

Family Matters

Another woman, a former Boston lawyer, who left her job thinking she could freelance, got too sick to work at all, and having left of her own choice, was ineligible for disability pay. Eventually she moved back to her native New York to help take care of her aged mother, and stayed on in her apartment. “I wish I could set up a video camera so I could show how verbally abusive he is to me.” She stays because she cannot afford to live anywhere on her own, or to even share with a roommate. Many of her experimental medicines are uncovered by insurance, and she is so weak she can’t use public transport, and so takes cabs across town to see our doctor.

Another woman I know, a once well-earning professional with a Master’s degree, would like to move home with her mother in suburban New Jersey, but is unwelcome. If she doesn’t get the wrongful dismissal settlement she hopes for from her former employer, she will be forced to move to a group home for the mentally ill. She isn’t mentally ill, but like many people with Chronic Fatigue and Immune Dysfunction Syndrome, was written out for depression by the Social Security Administration. This is a common ploy, because it is easier to kick people with depression off the system.

This is the reality of chronic illness. The more I talk to people, the more I realize how fortunate I was, to have been well enough to establish a career before I got sick at age 30. To have realized early on that the variables of a chronic illness don’t mix well with the variables of running my own business, when I didn’t have a family or husband able to serve as banker and safety net. To have picked to work for a company which at least gave lip service to whole life needs. To have been lucky enough, at least at first, to have a boss who understood and tried to accommodate. To have disclosed the day I was hired. To have a company that didn’t give me too much trouble when I finally had to be taken out (more or less on a stretcher) – and who still contributes a small sum to a pension, pays for not only my, but my husband’s medical insurance – which was a Godsend, when he went several years without a steady job during the post- 9/11 recession. My disability package secured and paid for our mortgage and expenses for at least three years. Yesterday my husband got his historical Social Security Statement. His income for 2002? $5,000. From close to $100,000 in 1999. Through all this, my income was invaluable.

The Disability Trap

When I first got sick, it wasn’t hard to find lawyers and articles and books and lawyers to help me prove my disability and collect it.  But no one offered a strategy for getting off disability, and ever since I went on disability, I’ve wanted to get off. But considering my health, my whole life circumstances, my hellish experience working sick for a decade, both freelance and on-staff, and the punitive “work and lose” system currently in place, I don’t have a lot of choices.

This week, I face typical issues. What do we pay for? The $250 brakes my husband needs on his car for his 170 mile a day commute? The $300 bald tires that must be replaced because I already got a warning from a cop? The $1,000 I need to travel to New York where I’m trying to sell my novel – which I hope will get back in the earning world? The usual $1,000 I spend each month in uncovered health costs – my supplements, my $100+ trip to Dr. L in New York for my energy-restoring drip, the Goji juice that actually seems to give me energy, but costs $42 a bottle? My gluten-free food and the expense of eating healthfully and organically? The new miracle energy supplement so many people are raving about, but which costs $85 a month? And where do I find money for wedding and graduation presents?

The Poverty Cycle

Cort Johnson, web host and editor of Phoenix Rising newsletter and CEO of the nonprofit PhoenixRising.org, camped in the dezert as a young man, so as to be independent and not impose on his family, making pocket money from fast food jobs. He thought he was doing the right thing, ingesting a mega-dose of protein and fish oils, surviving mainly on cheap canned sardines. He also got an overdose of mercury. I meet many, many people in the drip room who can’t afford to eat well enough to improve their health. They have gone into debt with experimental drugs uncovered by insurance, with modalities like acupuncture, to say nothing of the Snake Oil cures they sample out of desperation.

The Insecurity of Social Security

I hope I’ve made it clear by now that there’s a lot more to the issue than the willingness to work.  It’s true that you can make $710 above Social Security disability, but if your check is only for $500 a month – as it may be if you got sick in college and never established a work history – that’s not close to an independent life. I know many people who tried to do the right thing by trying to work their way off Social Security, but due to employer demands and bookkeeping glitches, sometimes earned slightly more than $710, at which time they  were immediately and completely dropped from the system, without health coverage or income, and had to pay lawyers to get it reinstated. One woman wound up evicted.

Entrepreneurial Dreams

It’s a wonderful idea to work from home. But I warn anyone starting a business to have a safety net – three years living expenses, because that’s how long it takes for a typical business to turn a profit.  Second to having a health crisis, starting your own business is the easiest way to go bankrupt in this country. You need capitalization — money – to start with, and that’s something chronically ill people are generally already depleted of, due to under- or non-earning, plus greater medical expenses than average. If you have a spouse or family willing to be your banker, you’re in a different situation, but such people, I’ve found, are rare.

In one day, in Dr. L’s drip room, I met an attractive young woman, blond and thin, who said she was in town with her fiancé, a medical resident. She worked as much as she could, for her mother, who had a health food business. This young woman was well-situated for her very part-time career – but she’s a rare bird indeed in the chronic illness world. Another young woman I met the same day had returned to New York to live with her mother when she got too ill to work in Seattle. Her mother disbelieved that her CFIDS was a real illness, and threw her out. She was now “on the street” – living in homeless shelters, and turning tricks.

Tainted Income

One of the hardest things for people with chronic illnesses is conveying to their friends and families the financial spot we’re in. Our experience is often one of shame – one woman I know is berated by her father for being on “welfare” – and disbelief, rather than compassion.  God bless all with families that can be supportive emotionally and financially.

Unfortunately, say the word disability pay, and many people scoff. Here in Rhode Island, a former fire chief makes $150,000 in retroactive disability pay on top of his state pension. The system is frequently abused, mostly by public and union employees. Those of us of marginal means and real illnesses are tainted with that brush.

I would like to bring to public light the tactics insurance companies use to scare us into submission. These are issues that should be open to discussion and negotiation. We want to work. Employers and insurance companies don’t want to pay us for not working. The missing player here is an employer who’s willing to accommodate us.  

I’m in search of companies and employment agencies willing to risk hiring the chronically ill. I’ve heard of agencies that specializes in flex- and part-time work, geared towards parents. Will they, and companies apply that same flexibility to those with variable chronic illnesses?

From ADA to the DL

 Many companies talk a good game about working with people with disabilities. There are also a number of books out there, like Gayle Backstrom’s I’d Rather be Working: a Step-by-Step Guide to Financial Self-Support for People with Chronic Illness that ought to be consulted (but actually offered no answers for my own particular health/life dilemma) and Job Hunting for the So-Called Handicapped by Richard Nelson Bolles – who gave us What Color is Your Parachute? – and Dale Susan Brown.  The idea behind these books is laudable, but as one who worked ill for a decade and has been trying to get back into the working world for another, hard to put into practice for someone with multiple and unpredictable physical and cognitive malfunctions – a fact noted in the latter book. 

 The Americans with Disabilities Act was designed to encourage  employers to accommodate people with static, or predictable disabilities – paralysis or sensory disabilities.  A new amendment to the law was designed to encourage employers to accommodate people with the kind of multiple, cyclical and unpredictable disabilities typical of autoimmune disorders.

 The details of the law can be viewed here: http://www.eeoc.gov/ada/amendments_notice.html

 If my own company had  been able to accommodate my illness, I never would have had to join their dole qeue. All they would have had to do was let me do what I’d done for them the previous eighteen months of freelancing, before being hired on staff: work part time in the office, and part time at home. Ironically, to get the health benefits I needed to keep my health optimum, I had to do something – show up at their set times – which was really not necessary for the performance of my writing job – but which ultimately caused my health to cave in.

The Disability Dilemma

            I’m looking to make this a visible cause, so I and other people don’t have to hear the snide comments we all hear every day of our lives about the fact that we don’t work for pay. And I want to do something even more challenging – I want to change private insurance laws, like the one that says that if I make any money at all, my income, medical coverage, pension and benefits will go away. Forever.  

A few years ago, I applied for a part-time university teaching job and was offered it. I wasn’t sure if I could handle the load of teaching two classes, especially as they were held early in the morning. No matter if I go to bed at seven p.m., I always feel horrible in the mornings due to adrenal malfunction.  But I was desperate to work, to be in the world. The problem was, this teaching, which I wanted to just try for a semester, only paid about a quarter of my disability pay, and came with no benefits or promise of job security. And it would end my company’s disability income forever.

After consulting with my lawyer ($400 an hour) I found I couldn’t do it. He’d had the exact situation with another person from my company who’d gone off on disability with Multiple Sclerosis. She was punished for just trying to see if she could work. He even told me that if I pulled the same trick, he might not even want to take my case, it was too much trouble, the big guns at my company were determined to get as many people off the roles as they could.

I asked the university department head if she would let me work without pay – perhaps my salary could be funneled into some sort of escrow account, available later if I can get off disability? I just wanted to work. No – things had to be done by the book.

Financial Snake Oil

Career coaches working with people trying to get off disability have recommended I actually give a false Social Security number – my husband’s — in order to collect money. They are not thinking things through – just getting seduced by their own Financial Snake Oil cure. But the above example shows how impossible it is to get an ethical, solid organization to do something even slightly questionable.

I wish it didn’t have to be so punitive. The nature of my and many other chronic illnesses is that they’re cyclical. I used to feel pretty well for months – even years at a time. Before I went back to full time work in 1995, I would have described myself as cured. I went on a bike trip in Nantucket the weekend before I started that job, and rode 30 miles a day. The house of cards came tumbling down a few weeks after I started work full time.

This is the kind of story that Suze Orman doesn’t cover, because she has no answers. This is the kind of story for which I want to find a happy ending. ~~~

Advance Excerpt from: Breathing Under Water, Living With and Lying About Chronic Fatigue Syndrome. Copyright 2009, Christina Gombar.

 Was It All a Lie?

The disintegrating company’s news Googles into my inbox like jagged rocks tumbling down an avalanche. The plunging stock price, the sell-offs of prized divisions and landmark buildings. Witnessing the end of my old employer is like attending the funeral of a highly dysfunctional, but much beloved family member.

Reading the outrage of the press lynch-mob, however justified, is like watching distant relatives and far-removed acquaintances — who didn’t even know the deceased yet lived off his largess — spit on his coffin. 

The quickest way to isolate yourself socially is to say that you worked for AIG and that it was a great company. “This never would have happened,” I told people with conviction last fall, “If Spitzer hadn’t forced Hank Greenberg out. It’s been brain-dead ever since, it was a one-man company.” 

In ousting the CEO of nearly four decades in 2006,, Eliot Spitzer did exactly what George W. Bush did in Iraq. Launched an attack against a regime that had long played by its own rules, decided to knock out a leader without investigating what the consequences might be. Without knowing enough about how the financial world works to foresee the disastrous outcome. You can’t take out a leader without a secession plan. In acting prematurely and without foresight, Spitzer made things infinitely worse for the entire world.

All Is Greenberg

“You’ve got a company, AIG, which used to be just a regular old insurance company,” President Obama explained on his famous Tonight Show appearance. “Then they decided–some smart person decided–let’s put a hedge fund on top of the insurance company and let’s sell these derivative products to banks all around the world.”

But the President was wrong. AIG has never been an ordinary insurance company. As Ron  Shelp wrote in Fallen Giant: The Amazing Story of Hank Greenberg and the History of AIG, within the company and among Wall Street analysts, A.I.G. has always been an acronym for All Is Greenberg.  John Wiley put out the book in late 2006, soon after Mr. Greenberg was forced from the helm.  I recommend the just-released updated version  as a backgrounder for anyone wondering how a company they may not have heard of until last fall came to be so powerful.

 AIG was an invisible country, with its own rules. I’m not saying that was t a right or good thing, but it was the reality that the average person didn’t know, not because the information was hidden, but because they didn’t want to.

http://www.amazon.com/Fallen-Giant-Amazing-Greenberg-History/dp/047191696X

P.S. — To those working in the business, the blow-up wasn’t completely unanticipated. In 2002 I was writing of the threat of a Hedge Fund blow-up in the London Review of Books.  In a piece titled, “Everybody Knows” speaking of the Long Term Capital Management bail-out of 1998, “It will happen again, and there will be pain.”

 http://www.christinagombar.com/pdf/everyone-knows.pdf

Related links:  http://www.christinagombar.com/doc.php?doc=war-zone&p=1

 http://www.christinagombar.com/doc.php?doc=the-pink-dress&p=1

             So how are we feeling today? Mad – not just at the obvious – a free market economy and political majority that professes to hate Big Government, except when, like a drug-addict prodigal son, it needs cash for its next fix. Then he riffles through Dad’s wallet to fund another Middle East plunder, another Wall Street run up. And the well behaved siblings, those of us who did our homework, tried to play by the rules – we have to do without, can only hope to benefit through some vague future trickle-down, once this crisis is over. 

           But I’m also mad at us – the investing public, for aiding and abetting this mess.  Because we all own a part of it. We don’t complain in those quarters or years when our portfolios are going up 20%.  We don’t ask where those gains are coming from. We are willing accomplices, when we know every minutae of the Chicago Cubs or the Red Sox, but not the difference between a savings account and a mutual fund. When we don’t ask our broker or employer’s retirement plan manager – So tell me about this Hedge Fund thing, does this mutual fund invest in them? Does it own any securities tied to those lousy sub-prime mortgages?  

We can only vote for a president once every four years, but as investing consumers, we can ask questions every day, we can fill out those proxy forms we get in the mail, we can make a toll-free call and we can show up at shareholders meetings.

The willful ignorance of the average American investor frustrates me, because when I worked in the financial sector, I toiled so, so hard to follow the rules and make it clear to potential investors the risks they were in for.  I wore my eyes out reading the financial press, then boiling it down and making it easy for people to understand, and wherever I worked, we had to follow very stringent compliance rules, so we were never promising anyone anything.

          After my first Dummies piece last week I got more than a few letters from readers asking me how investments work.  What? You mean my 401K isn’t insured by the government? Not even my money market account? “I don’t have any money in the market, so I don’t really care.”  Oh yes you do, or should. Everyone has a stake in this crisis. If you have a dime in a savings bank, a car loan, a job in the consumer products sector, an elder or disabled person in your family involved in the Social Security system. We’re all one big intertwined dysfunctional family – that’s one thing Treasury Secretary Hank Paulson got right, and it’s too late to do nothing. 

Big business has always looked to government as bailer-out, Big Daddy of last resort.  And if Big Daddy bails out Wall Street, you can bet someone else is going to get the short-end of the Government stick – the well-behaved siblings who paid their bills and mortgages, the most vulnerable and helpless. Here in Rhode Island, the state government is already balancing its budget by sending seniors home from Medicaid-funded nursing homes and cutting medical coverage for poor kids. 

            I applaud Congress and the American people for waking up and smelling the coffee, saying Not So Fast this time. We were scared into a costly Big Government-funded war with threats of Weapons of Mass Destruction.  President Bush looks like the Boy Who Cried Wolf now. Problem is, there really is a wolf at the door this time. At the beginning of last week, when Big Daddy Government refused to bail out Lehman Brothers, it froze up money flows in European Markets, and that froze up money flows here. So Big Daddy reversed course.

           Whoever voted for President Bush and free market evangelism owns the greater responsibility for this melt-down.  Mr. McCain — who, let us not foget, owns hundreds of millions of dollars in Wall Street securities — hates regulation but denounced Wall Street greed. 

        Congress is trying to enforce a policy of Tough Love on its prodigal son. But the rest of us siblings, whose needs are being brushed aside are going to have to start speaking up for ourselves. Are we going to start asking questions, not just of our politicians, but of the financial industry we pay to handle our money? Or are we just going to turn our attention to the Red Sox after the worst of this crisis is over?

***This post was an Editor’s Pick on Open Salon, read the conversation

at: http://open.salon.com/content.php?cid=20088

“So how are you today?”  my neighbor Mel asks.

“To tell you the truth,” I reply. “Pretty freaked-out about this AIG thing.”

“Oh, don’t worry! It’s all covered! You’re completely protected!”

Mel then proceeded to relate a long series of misconceptions – starting with the idea that all of our retirement money was insured by the U.S. government, and that AIG was part of American Funds, where she had all her dough. ”Safe as houses, all taken care of!” 

I started to tell her that I used to work for AIG, that it had nothing to do with American Funds, that it was a whole different kettle of fish from Merrill, or Lehman, or WaMu, which were or will all be bought or allowed to fail. Then I stopped.

If world markets failed, and I knew they would if AIG went belly-up, she’d find out soon enough. And I didn’t have the heart to tell Mel that the value of her mutual funds was not guaranteed by the U.S. government or anyone else, that the whole pot of gold she’d stowed away for 30 years could liquidate overnight, thanks to one small division of the giant insurer AIG going under.

This was 911 week on Wall Street, and I haven’t felt so bad about the place since 9/11/2001. I’ve worked for most of the key parties concerned in this past week’s blood bath. AIG, the financial giant with a trillion dollars in assets, was my introduction to Wall Street in 1986. I worked there a scant 18 months, but the experience was formative. See War Zone, on my site: http://www.christinagombar.com/doc.php?doc=war-zone&p=1

I left AIG of my own accord, just after the crash of ’87, to work for brokerage firm E.F. Hutton. On on my very first day, it put itself on the auction block. For a few weeks my paycheck was stamped by the investment bank Shearson Lehman – since split off into separate entities, one of which went bankrupt this week.  At the end of that six week takeover, I landed at S&P, the ratings agency that failed for years to downgrade AIG and many other financial entities to accurately reflect their perilous balance sheets. Failed, along with two or three other agencies, to warn in a timely fashion, company management and the investing public that the companies needed to clean up their acts or they’d blow up.   

          At 9:15 last night, the Federal Reserve stepped in and basically bought AIG, to keep it from going bankrupt and bringing global markets — even those burgeoning Asian ones — down with it. It kind of had no choice, once the situation was explained to them. For a quick and clear summary of what happened, and what might happen, read Floyd Norris’s blog in the NY Times :

http://norris.blogs.nytimes.com/2008/09/16/socialism-21st-century-style/

Later this week I’ll explain how Credit Ratings are the opposite of bra sizes, how the financial markets are like a strip club, and how the relationship between the federal government and the financial world is like one of those families where everyone winds up in a 12-step program.