Reality Chick

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

Should IVF Coverage Be Mandatory?

           A couple of Decembers ago, I got an email from Resolve, the national infertility organization — a plea for end-of-year, tax-deductable donations. “Imagine a world where fertility treatment didn’t exist …”  began the missive.

            It had been years since I looked to Resolve for aid in my finally defunct effort to have a family. The organization claims to serve a dual purpose: to prove information and support to those pursuing children, and reconciliation to those who wind up without. But the overwhelming number of communications and services, and the only lobbying activities – urging Congress to pass laws to make insurance coverage for fertility treatment mandatory — were geared towards the baby quest.

              So I deleted their emails after a quick skim. But having planted the idea of a world where fertility treatments didn’t exist, I couldn’t resist an honest answer: “I honestly wish they didn’t!” 

           This spurred an instant response, offering a plea for my “healing” – as if only a wrong-thinking person could even question the fertility system.   

            I hit the reply key, and then typed in: “The fertility industry makes those of us for whom the system didn’t work even more of an anomaly than we already are.”

            Within minutes, a Resolve staffer called. She stressed that Resolve was there to listen to people like me. 

            “Good. All I’m saying is — if infertility is defined as an illness, then that makes those of us without children sick and abnormal, right? I can’t reconcile to my situation if society can’t reconcile itself to me. Plus – I have a real illness – having infertility over the age of 35 isn’t an illness, it’s biology.”

            The staffer was dumbfounded.

            I continued, “I’ve worked hard for the little financial security I have, so I’m really cheap and risk-averse. I knew most IVF’s in my age group failed. If it were a stock, I wouldn’t have bought it. But because it was someone else’s financial risk – I gave it a shot. But I’d never have gambled on it with my own money. I’d never have got sucked into the emotional maelstrom. And if no fertility treatments existed at all, I’d have much more easily accepted my childless state. And so would the rest of the world.”

            A lengthy conversation ensued. I insisted on a precise definition of infertility. At 28 it’s an illness that should be cured when possible, and paid for by medical insurance. At 48, IVF is an artificial prolonging of the motherhood timeline. Was it fair to make other policyholders in the insurance risk pool subsidize that? The Resolve staffer was shocked.

            But this year, the once-taboo arguments I raised are coming out in the open.

            In July, Salon’s Broadsheet column backed the Family Building Act of 2009, which calls for insurance companies to provide IVF coverage. Fifteen states currently require it, and Resolve would like to make it a national mandate.

            The financial logic behind insurer-provided IVF is that those who can’t afford the more expensive and precise IVF procedure use the cheaper fertility drug clomid, which may cause the release of too many eggs, resulting dangerous multiple births that tax the health care system more in the long run.

            Of infertility, Broadsheet columnist Lynn Harris declared, “It appears that we can no longer afford to treat its treatment as a luxury.”  

            Some commenters disagreed, with the predictable advice: You can always adopt. Which prompted corrective replies from other readers who pointed out that adoption is often more expensive and risky than IVF.

Other responder’s put the argument in the context of the larger health care crisis:  “When society can afford insurance coverage to provide life-saving treatments for all the children already here who need them, then we can spend more money creating new children.”

http://www.salon.com/mwt/broadsheet/2009/06/24/ivf_coverage/

Consider Yourself Warned

          In Britain, authorities recommend giving a fertility test at 30, seeing it as an awareness tool. Fertility counseling should go hand in hand with other kinds of sex ed.

http://www.guardian.co.uk/lifeandstyle/2009/aug/09/fertility-mot-children-nhs

             A former chairman of the British Fertility Society said it was crucial to tackle a “widespread misapprehension” about the success rate of fertility treatments. The chances dip sharply with age: from 31% for women aged under 35, to below 5% among women over 41.

 Mommy Oldest

            This summer, the death of a Spanish woman who gave birth at 66, leaving a toddler orphaned (she was unmarried) spawned heated debate on the blogs over whether or not there should be a ceiling-age for fertility treatments.

            In Newsweek, African American writer Raina Kelly spoke out: “Sometimes for the sake of the children-to-be, we may have to put away our longings and grieve for the children we might have had rather than go to the ends of the earth to get them. We have to think about the children, not just the having them.”

http://www.newsweek.com/id/208022

Some feminist voices argue that the reproduction playing field should be leveled – that if men can become parents at sixty, then so should women. Personally, I wonder if this is something to envy – but I’d hate to see reproduction outlawed for one sex and not the other. 

The Motherlode on Stillbirth

In her New York Times Motherlode column, Lisa Belkin asked readers how to respond to a family who’s experienced stillbirth. Again, sparks fly in the comments section, with one commentator saying that words like “tragedy” should be reserved for mass events, like the Holocaust or Hurricane Katrina.

http://parenting.blogs.nytimes.com/2009/08/13/when-a-full-term-pregnancy-ends-tragically/

Which button do I push for a dead baby?

            Stillbirth is more common that Down’s Syndrome, SIDS and HIV – one in every 160 pregnancies. Few expectant parents are aware of this, and so come to it completely unprepared — in an increasingly impersonal medical environment with no protocol for addressing it.

            NPR’s Tell Me More recently ran a segment featuring two parents of stillbirths who are trying to do something about that.

http://www.npr.org/templates/player/mediaPlayer.html?action=1&t=1&islist=false&id=111063912&m=111063895

Guest Sherokee Isle, who suffered a stillbirth in 1981, is trying to make sure hospitals have on hand a copy of her book, Empty Arms: Coping After Miscarriage, Stillbirth and Infant Death.

            She and fellow guest Alan Goldenbach, who recently wrote of his wife’s stillbirth in The Washington Post  (http://www.washingtonpost.com/wp-dyn/content/article/2009/07/06/AR2009070602918.html) point out that parents-to-be aren’t told that when movement slows down near due date, it’s a danger sign. They are lobbying for more research to find out why stillbirths occur.

In June of 2008, then-Sen. Barack Obama introduced the Preventing Stillbirth and SUID Act of 2008, but it was unable to gain much traction. (“SUID” stands for “sudden unexpected infant death.”) Sen. Frank R. Lautenberg (D-N.J.) continues the effort, “We need to know more about stillbirths to help increase awareness and prevention,” Lautenberg said. “We are crafting legislation to improve data collection so we can better understand what’s causing stillbirths and help parents looking for answers.”

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.

Nadya Suleman has had extensive plastic surgery to resemble another famous mother, Angelina Jolie. While her octuplets have turned into a national freak show and blog snark-fest, it’s not hard for me to follow her logic.

In the third issue of Exhale I discuss “Octomom” as a natural product of a deregulated fertility industry,  and highlight a memoir by another mother whose judgement was questioned. 

Creation Fixation

             Today, you have to explain your decision not to utilize the new technology if you have even the vaguest desire to have children.  Why suffer the stigma of being different in an increasingly conformist society, where being married and childless is seen as more odd than being a never-married parent, a single mother of many?

            From a front-row seat, I saw how the sexual revolution impacted my parents’ generation, who came of age and married in the fifties. It hit like a hurricane, breaking apart marriages, spawning a generation of latchkey kids, sending women to conciousness-raising groups and out into the work-force. In the same way that the pill ushered in both the sexual revolution of the sixties and the feminist resurgence of the seventies, the fertility frenzy has impacted society of the nineties and aughts; the outside of the envelope is being pushed further and further out. The business world, education system, dating conventions and even family pecking order rely heavily on the idea that the fertility industry is a safety net.  When I started a new job at 35, I was warned, off the record, not to get pregnant the first year, then brightly advised: “That’s what we have our fertility benefit for.”

But it doesn’t work for everyone; it didn’t for me. In my recent interview on Belief.net, sparked by my last month’s Exhale column, I wonder if the answer isn’t advising young women to freeze their eggs, but rather, retuning society to make it easier economically for young women to start their families at more appropriate ages: http://blog.beliefnet.com/beyondblue/2009/01/christina-gombar-an-interview.html.

The Right to Reproduce?

            Nadya’s case raises the very uncomfortable issue of whether or not having as many children as she wants, by whatever means, is as much a feminist issue as abortion rights.   In the Guardian, Jennifer Block wonders if it’s not time to “take a close, hard look at our healthcare priorities. While we have the technology and expertise to keep a 1.5-pound premie (Suleman’s tiniest) alive outside the womb, standard American maternity care is resulting in poorer and poorer outcomes for the vast majority of mothers and babies.”

http://www.guardian.co.uk/commentisfree/cifamerica/2009/feb/10/nadya-suleman-octuplets-ethics

Birthing versus Parenting

            “Any fool can have a child.” Our new president’s words, not mine – said on the campaign trail, speaking to an African American audience. Properly raising children, President Obama says, is another issue entirely.  Perhaps for their own safety, it’s a blessing that Nadya Suleman’s children will be living in a fish bowl.

In a blog post titled, “They Shoot Horses, Don’t They?” author Karen de Balbian Verster discusses her dilemma after witnessing the abuse of one of her daughter’s playmates. She also sites an alcoholic woman who boasted of abusing her dog, but succeeded in adopting a Chinese infant.    

            De Balbian Verster asks: “I wonder why we as a society allow people who are unfit parents to become parents in the first place? It’s a slippery slope, I know, but shouldn’t there be some conditions in place before one has a child? Things like another parent, mental health, financial stability? It seems like too little, too late to worry about these things after the child has been starved in the basement, burned by cigarettes, or sexually abused. But since we can’t seem to ban assault rifles, I’m afraid licensing parents must remain a futuristic concept.

http://mysite.verizon.net/kdebv/2008.12.01_arch.html

An “Unfit Mother” Reflects

             Polio survivor Anne Finger was told she was unfit to give birth: it was dangerous, she was disabled, she was unmarried. Her 1990 book, Past Due, a Story of Disability, Pregnancy and Birth tells what happened when she defied standard advice.

        After suffering polio as a toddler, Finger grew up subject to one butchering operation after another in the vain attempt to bring life back to her atrophied leg muscles. Because of her horrendous experiences with the medical establishment, when she decided to become a mother, she eschewed traditional medicine and chose midwifery, despite the fact that she was an atypical, and potentially high risk obstretric patient.  The midwife miscalculated, the labor went on too long, and her son wound up inhaling his own fecal matter. Death, or a life sentence of severe disability was predicted by the angry medical establishment that she finally reverted to.

            Despite her son’s full recovery, Finger’s trauma – first under the knife of post-polio childhood surgeries, then a well-meaning midwife unequal to the task of her  complicated delivery, and finally, the shaming of the medical establishment – scarred he.: Her thoughts, during those terrible days when her son struggled for life:  “I do know that if he dies, I will think that technology is the monstrous, inhuman, a mad scientist’s creation; and if he lives, I will think it a miracle.”

          One could as easily apply these words to the current fertility industry frenzy: “I have the places where I draw my lines about what I would and would not do; and other people … people I respect, have different lives. But I’m aware too of how social pressure can work to keep people in line: how when a technology is available it becomes harder and harder not to utilize it. If you’re over 35 and pregnant, you have to explain your decision not to have amnio, justify yourself.”

Overfertility in the Age of The Feminine Mystique

        Richard Yate’s dark 1960 novel, Revolutionary Road, is now a gripping movie starring Kate Winslet. While the narrative is one of over-fertility rather than infertility, the story throws into dramatic relief how fragile and tenuousness is this largely taken-for-granted business of birth, for the child, for the mother. How destructive, yet somehow inescapable, the issue of maternal identity – for better or in this case, for worse.

Blogs and Bits

 http://www.moretolife.co.uk

       This British site for involuntarily childless includes U.S. news, coping strategies, and personal stories. A good resource for those who wind up without.

Therese Borchard's Beyond Blue

My interview in Therese Borchard’s blog, Beyond Blue, reached 3 million subscribers through Belief.net, and was picked up worldwide.  I argue that women without children wouldn’t feel so depressed if society were more accepting:

http://blog.beliefnet.com/beyondblue/2009/01/christina-gombar-an-interview.html#more

 

Chronic Illness strained my marriage almost to the breaking point. I chose to stay; Julie took a different path when she and Dave hit the rocks.

Expiration Dates: A Short Story of Friendship and Money in Three Parts.

Featured in Rita Watson’s nationally syndicated Relationships blog. www.ritawatson.com

 “You know,” I confessed over our Cobb salads, “when I was cleaning out my closet, I thought of throwing out the dress I wore to your wedding.”  It was a cheap, pale green catalogue dress from my days as a freelancer, when I watched every penny while saving the down-payment that finally liberated us from our suffocating New York apartment. “That was the only time I wore it,” I said. “I was only holding onto it for sentimental reasons. I guess it’s O.K. to throw it out now.”  She agreed.

There was another reason I wanted to toss faded green dress — it signified bad times and I was ready to embrace a new future.

I was enviably thin in those pictures at Julie’s wedding. I smiled, but my eyes belied deep distress.  If anyone had asked me then if I thought my marriage would make it, I couldn’t have answered. 

At the time Julie married, I had been going through a hard time in my own marriage — mostly due to the financial stresses of living and trying to work with a chronic illness. Somehow, putting that pale green dress in the bag for Good Will, gave me a new sense of purpose. I wanted to believe that I could put an end to the hurt that I experienced during those four years between Julie’s wedding and her divorce dinner. 

My husband and I managed to get out of debt and heal the emotional wounds, but overwhelmed by the strain of working full time while battling my illness, I lost my health and any hopes for a normal life.   

Perhaps learning from my example, Julie chose another route. Since she and Dave had moved in together six years before, she’d switched jobs several times, doubling her salary to afford the modest home they’d purchased in their third year of marriage. 

Dave, on the other hand, was in the same job, earning the same money, so they could barely afford their new mortgage payments. Despite her constant encouragements, which degenerated into nagfests, Dave did not jump-start his career, see a therapist, get tested for a range of physical maladies, lift a finger around the house bought with only Julie’s money, learn to balance the checkbook, shop or cook, or get a car so Julie wouldn’t have to drive him everywhere, as if he were the teenage son she never had.

Julie tired of screaming. As she explained over our salads, she was basically a happy, peaceful, loving person. Under the current circumstances, she could no longer act kindly towards her husband. “I just see myself as an embittered old hag at 50. I want to get out while I’m still young enough to meet someone else.” 

But I was worried about how she would manage. Under my fiscal guidelines, she and Dave could barely afford to run a house together. She claimed she could do it on her own, for at least a month or so. Then she’d get a roommate. 

Two weeks after our divorce dinner, Dave was still in the house. He couldn’t find a place he could afford. Julie dropped hints; I offered a loan to hasten his departure. I’d lent her money before, for her down payment, and she’d paid it back in full and in a timely fashion.     

“All relationships have expiration dates,” she announced philosophically at our next lunch.

“You’re getting a roommate soon, right?” I said, handing her the check.

But month after month went by, and no roommate, and no loan repayment. I knew she needed time on her own, without the additional stress of sharing her home with a stranger. But I couldn’t help noticing she had money for new clothes to cheer herself up, for entertaining her young co-workers from the city, for buying wedding gifts for people she hardly knew.

(End of Part II)

  

A Short Story of Money and Friendship in Three Parts

Featured in Rita Watson’s nationally syndicated Relationships blog: www.ritawatson.com.

When my best friend Julie told me she was splitting with her husband, it didn’t come as a complete surprise.  She’d sounded uncharacteristically tense when we talked on the phone over the past few months. We hadn’t had an in-person heart to heart since the winter before, when on her 41st birthday, she talked in desperate tones about facing the future with her husband, Dave. 

Since then she had stopped complaining about her husband, hardly mentioned him at all. Our telephone conversations skittered over the surface of things – updates of her hectic job and crowded commuting days, contrasting with self-deprecating anecdotes drawn from my less eventful life – which went from a corporate whirlwind to a first-time suburban housewife – thanks to a relapse of a chronic illness about which I am often in denial. Nonetheless, courtesy of my company’s short-term disability insurance, I felt a mixture of childlike glee and adult guilt at my first laid back summer in decades.

With the anticipation of a child going on a favorite play date, I awaited seeing Julie in person for the first time in months.  When I flung open the door to embrace her, standing before me was a woman with a pinched, tormented face.  Her emaciated frame said it all before she delivered her news. It was painful to see her lovely, happy-go-lucky self suppressed; I was glad she was exiting a torturous situation.

She told me of her plans to divorce just before we sat down to watch a dance recital held in the Riverside Cathedral, whose majestic grey stone silhouette dominates the western shore of the upper west side of Manhattan. Four springs before, Julie and Dave were married just a few blocks east, in another great Cathedral, on a small budget but in great peripheral splendor, in one of the chapels of St. John the Divine. 

Four years before, I had shopped with Julie at Laura Ashley for her wedding dress, observed her arrange the entire event elegantly but cheaply — negotiating with chaplains and cajoling florists and caterers to offer their services as wedding gifts. I’d seen her research, book, and single-handedly pay for the honeymoon.  

The misty weather that day suited a ceremony in the dark cathedral. Outside, the spring foliage was bright green and new, the trees just bursting into flower.  She’d instructed the minister that Children and the Will of God be mentioned during the service. To honor her husband’s Scottish heritage, bagpipers played Amazing Grace at the exit, and the sounds moistened our eyes. As if on cue, one of the peacocks that prance around the rectory burst into plumage: a good omen. 

But four years later, as I look back, I see it was a false one.

At the reception, as dry ice clouded the stage, eastern flutes piped over the soundtrack, and the dance performance began. The dance’s theme centered on the ancient Greek legend of the Minotaur — the half-human, half-bull god who, the program notes explained, “represents the collective dark roots of humanity that have been denied, repressed and locked away.” 

It was a bit too obvious an analogy to the realities of marriage Julie and I both knew too well — realities white-washed by images of happily ever after, Baby Gap and Range Rovers. We both knew what it was like to feel, within the framework of marriage, like the Minotaur, his dual nature a shame to be hidden by the ruling gods.

Julie and I didn’t have to talk much about the problems that killed her marriage, or the ones mine barely survived. We’d dissected them endlessly over the course of our eight year friendship, analyzing the challenge of asserting our feminist selves within the framework of marriage, deconstructing each power struggle in detail, all the while looking forward to the happy resolution when career, husband, home and child fell into place.

After the performance I drove us up to the suburbs where we now lived, and bought my friend dinner. The end of a marriage called for a solemn observance of its own. (End of Part One)

Is that it works.

Here are some remedies I’ve tried:

• Multi-dimensional Lifestyle Counseling
• Reiki Healing
• Infra-red sauna
• Brain Gym
• Acupuncture
• Chiropractor 
• Shamanistic Soul Retrieval
• Journey to Your Sexual Soul
• Cognitive Therapy
• Psychotherapy
• Yoga 
• Meditation
• Cranialsacral Therapy
• Massage
• Kinesiology
• Dream Analysis
• Graded Exercise
• Homeopathic Medicine
• Naturopath
• Pilates
• Psychoneurological Retraining
• The Landmark Seminar (aka, EST)
• Super Blue-Green Algae
• The Maker’s Diet.
•  Supplements: Greens, Fish oils, shitake mushrooms, NADH, Co-Q10, Goji juice, Chines herbs, Ancient Aryuvedic Medicine
• Elimination diets and nutrition regimes: Super Green, Macrobiotic, no red meat, carbs, gluten, dairy, the Anti-inflammatory Diet. 
• Pharmaceuticals: anti-depressants, sedatives, anti-virals, amphetamines.
• Programs: Dr. Jeffrey Teitlebaum’s From Fatigued to Fantastic, Dr. Bernie Seigel, anything by, at least a dozen books with a variation on the title, I Cured Myself of CFS and You Can, Too! The Highly Sensitive Person, by Dr. Elaine Aaron. Dr. Micheal Cheikin’s Nine-Step Pathway to Healing.

         What’s closest to a push-button cure? Traditional medicine, megavitamin and mineral IV drip with Dr. L in New York. Avoiding stressful people, situations. Engagement in productive and pleasurable activity. Moderate exercise. High protein diet. Warm weather, sunshine, laughter.  

      Or will you have to sleep eleven hours a night, meditate and self-monitor for an hour each morning, eat stir-fried broccoli three times a day, chant aloud affirmations at regular intervals in the relative imprivacy of your cube? Can you do it driving a truck, working in an emergency room, flying a helicopter, in a trading pit?

        “Well” to me means working at full speed.  Getting by on six or seven hours sleep a night, rather than  nine to eleven. 

        Earning a good living again — that’s my goal. And I’m calling all Snake Oil for help!

Elaine and Austine Tracey in the 1960s

Stalking Irish Madness has been named one of the Best Books of 2008 by Slate magazine: http://www.slate.com/id/2206635/pagenum/all/

Years ago when we lived in New York city, my husband and I spent four or five hours every Sunday night delivering sandwiches to homeless men. The vast majority were Viet Nam War vets, out of work and homes because mentally ill. Most were clean, quiet, polite, grateful. A few – like the 6’3” drag queen up in Times Square – were angry, swinging at the air, arguing with unseen enemies.

“Schizophrenia,” we said to each other in whispers, gingerly extending a brown bag pre-packed with chicken salad sandwich, yogurt and an apple, which the drag queen snatched before stalking off in high heels, muttering.

Recently we travelled up to Brookline Mass, where our friend Pat Tracey gave a reading to promote his book, Stalking Irish Madness: Searching for the Roots of my Family’s Schizophrenia. All four of his sisters — including the two affected by with the mental illness, were there.

I was struck by how normal they seemed. When one has a chronic condition, whether physical, mental, or a combination of both, it’s easy to fall into black and white thinking – the “normals” and the afflicted.

Eighty percent of chronic illnesses are invisible, and you’d be hard put to sort out at first glance which two of the four Tracey sisters were afflicted. Michelle, who has bi-polar schizo-affective disorder,  is as effusive and articulate as her twin Seanna, who is “normal.” Austine, once catatonic, merely appeared shy and sweet. There were no verbal histrionics, no talking to invisible people, no bursts of anger.

             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?