After 10 years in the commercial livestock industry 6 months ago I decided I was done. Done with the late nights, snow storms I had to power through, last minute dispatch, missing holidays and bailing last minute on plans. I wanted a life. With my management experience finding a new career shouldn’t be that hard, right?
You’re just a truck driver…
I started to hear this a lot, I started to really believe it. A dispatch job came up with an established but rapidly growing company. They just werent ready for me yet. Wait til the new year. I wasn’t shy about my intentions and my coworkers knew it had nothing to do with the company or the industry, I was just tired. I was at the apex of my career. My company had spent 4 years building me a near show quality kenworth that always turned heads and it was no secret how much I loved that truck. I’m sure “Kenny” was the envy of many and I smiled every Monday when I pulled the shop door open. Hell I even talked to him like he was listening! I carried on doing my job like always and waited for the new year.
And then December 17, 2018 happened and it all changed. can’t even say the date without tearing up.
You’re just a truck driver…
December 17,2018 at 10:55 am a 78 year old woman failed to look and pulled out 300’ in front of my loaded cattle liner on a 100km/h stretch of busy highway. As I dove into the oncoming lane, full on the brakes, she noticed me and dove into the oncoming lane with me. I tagged her, caught the snow in the ditch, started down a 12’ embankment hitting a major cross road hydro pole just behind my head. The pole ripped the bunk of my truck in 1/2 and stopped me almost instantly and the truck laid over. I grabbed my dog, who was amazingly unharmed, and climbed out the roof of my truck and walked sockfeet in the snow to the front of my truck. Is she ok?? She was walking down the road in a daze. Ok whew!!
4 of my coworkers that I had been running with were minutes behind me and raced to help me. Big hugs all around, “here take my jacket” and “let me get you a cup of coffee!” It’s all gonna be ok. I was never so sure that I belonged.
Maybe I’m not just a truck driver? Maybe I’m family.
My small company (about 30 trucks, only 6 company trucks) commended me the next day!
The owner shook my hand, offered me his play toy – a jacked up little flat top Pete that rarely leaves the barn. Our shop manager sat down with me. “If you’re going to stick around, I need your wish list for your next truck” Wow…. I was on the spot. Stay or go, now was the time. All I could say was…. “there will be very be another Kenny, id like a Peterbilt”
So here I am, 6 weeks later. The flood of texts and phone calls, the hugs and handshakes from customers. Guys that genuinely cared. All my plans changed in a second and I cried every day for 3 weeks. I realized I’m not just a truck driver. I’m a valued member of an amazing team of drivers with a company that’s got my back!
Don’t be just a truck driver. Be a lady, be a gentleman. Be a teammate. Let people know that they matter because it means so much. This story isn’t about me, it’s about the people around me that help
Make my job amazing.
Ps the dispatch job came up and I politely declined. My Peterbilt has been bought and is currently being customized to my specifications. It’s amazing how things change in a second.
According to a survey completed and published by Insurance Business Canada only 15% of Canadians surveyed said that they were confident that they feel ‘very prepared’ financially if the get too sick to report for work. 23% of Canadians answered that they are not at all prepared financially if they pass away too soon, the study also discovered. Only 16% said that they have purchased life insurance that would cover their remaining mortgage payments should they ever pass away.
If like me you can sometimes feel somewhat sceptical about stats it does however strike me that far too many of us are not prepared for the unexpected, the chances of experiencing a financial loss if you are unable to work due to injury or illness are frankly very worrying. There are of course a number of reasons that can be attributed to this; perceived cost, understanding of coverage, availability, where to get it.
As someone who works largely with Income Protection Insurance and other living benefits my advice would be to work with a broker, a broker works for you their client and not a specific insurance company this means that they can take the time needed to understand your needs and then advise you as to the best options available from the very many insurance companies.
Insurance has to be exact and legally binding for your own protection but it does not need to be difficult to understand, when you work with the right broker it will be explained clearly and without jargon so that you have the peace of mind of knowing that if and when the time comes you and your loved ones will be properly protected.
We all know that at some point we will die and we hope that it is at a ripe old age and so we can more readily accept the need and payout of life insurance.
Income protection of the other hand is a different story because we are more easily swayed that we will be fine because; • ‘I’m a healthy person’ • ‘ I’d just carry on going to work’ • ‘I can’t afford it’ • ‘I’ll dip into my savings’ • ‘my family will help’
The reality is that if we lose our ability to work and earn a living everything else will suffer, friends and family while might be willing to help will usually themselves be using all of their income for their own needs. Savings will be depleted this will have a negative impact on the subsequently growth of any capital that was invested and there will also be tax implications of withdrawing from your RRSP.
The bills will continue to come in and the family needs will not be reduced in fact if you have a family member in need of medical care it is more likely that the other wage earner in the family may need to take time away from work to become a carer, long or short term. If you are self-employed you may need to employ someone to carry work load of the lost worker, you.
When I am speaking with clients about their need for Income Protection far too often I am asked to complete insurance for them for accident coverage only. It is my job and ethical responsibility to explain the pit falls of this choice, what if you get sick? It might be that you are newly starting in business and so may need to start at a lower amount than you would like in order to suit your budget or that money is tight. Start where you can and work your way up to where you need to be if you have to. Just don’t have nothing. If I were to ask you how many reasons do you think there could be for not being able to go to work what would you say?
The answer I give is easy, it’s 2, if you become injured or if you become ill. It’s that simple. If you can’t work how will you keep the lights on, put food on the table and keep your home warm or even just keep your home. I could quote stats again but I don’t need to, I have firsthand experience of having to remind clients or their partners that no they are not covered for the sickness that has befallen them because they wanted to wait and add it later or they just didn’t think they needed illness coverage. It is the worst, the very worst phone call because by the time I receive it it’s too late, there is absolutely nothing that I can do about it.
The solution to making sure this is not you is simple: 1. Work with a broker that you like and trust. 2. Get insurance while you are healthy if you can, but you can still get good coverage if you have pre-existing conditions. 3. Review your coverage regularly 4. Just don’t have NOTHING, please. Be prepared for the unexpected and rest easy with the peace of mind that you and your family will be financially secure when the time comes. Make the call today to speak to a trusted adviser.
Fiona Stone – Owner Contact Fiona at fiona@stoneinsurance.ca
It’s a New Year. It’s about getting another chance. A chance to forgive, to do better, to do more, to give more, to love more and to stop worrying about what if ….
A time to stop doubting yourself, negative thinking, fear of failure, criticizing yourself and the fear of success.
It’s a time to start embracing what will be, to set a new goal, to live a new adventure or start a new dream . To believe in yourself !!
It’s a time to work hard but stay humble, take time for family, friends and the people that matter the most, and to be kind to everyone you meet.
Their is always someone who believes in you, even when you don’t believe in yourself !!! Isn’t it time you believed in you too !!
Ted Light wrote his own version of ‘Twas the Night Before Christmas.
It was a touching account of a trucker trying to make it home to his family on Christmas Eve.
It’s been 10 years but this month, I thought I’d share this special Christmas poem:
‘Twas the run before Christmas, in the cab of my truck, A hundred miles from home, I’m in need of some luck.
The kids hung their stockings, but are feeling quite sad, They must go to bed now, and they wonder, “Where’s Dad?”
With a kiss and a hug, all will be right, But alone in the kitchen, Mom grows more uptight.
Earlier that day, the children were grinning, As they speckled the tree, with bright balls and trimming.
Then sipping hot chocolate, and playing Christmas songs, And talking about Daddy, who’s been gone too long.
And now I can see her, her brow creased with fret, As the children start dreaming, there’s no presents yet.
Curled on the couch, running a hand through her hair, In the glow of the tree lights, hoping I’ll be there.
Then I imagine the morning, with my love at my side, In tumbling our children. I must finish this ride.
Howling winds, blowing snow, and ahead all is white, Doubts creeping in. Will I make it tonight?
Beside me in the cab, with the wind unforgiving, Pretty packages sit waiting, for sweet Christmas giving.
I’ve a truckload of wishes, and I must deliver, But the storm keeps on roaring, as my old engine shivers.
It’s hardy and stubborn, and it’s taken me miles, And I’ll need it tonight, to see my kids’ smiles.
Rolling over the drifts, rubber gripping the snow, My big rig keeps moving, but ever so slow.
I’m gripping the wheel, and grinding her gears, And that fierce wind’s just whistling, and I can’t hardly steer.
And great gusts are blowing me, to the side of the road, And I’m fighting my fear, as I steady my load.
What was that I noticed, with a glance to the sky, Could the weather be clearing, did a star catch my eye?
And then, in a heartbeat, not a moment too soon, The night sky emerges, twinkling stars and bright moon.
With clear road ahead, I quickly arrive, The children peek from the window, as I pull in the drive.
I pat the door of my rig, as my feet touch the ground, For on this special night, it brought me home safe and sound.
With a heart full of joy, and a smile on my face, I open our door, to a loving embrace.
The gifts round the tree, make a beautiful sight, Happy Christmas to all, and to all a good night!
