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Kathleen Margaret Carter

June 1, 1939-December 27, 1992
Handicapped rights activist, writer

Founder and long-time chairperson of the Bermuda Physically Handicapped Association (BPHA), Margaret Carter championed the cause of people with disabilities with a singular passion.  

She herself was disabled, but unlike the majority of disabled Bermudians of her generation, she received access to a formal education.  That, along with her talents as an organizer, her writing skills, wit and media savvy, combined to make her a formidable advocate.

It was largely because of her activism that the needs of disabled Bermudians were placed on the national agenda in the 1970s and 1980s. Change was gradual, but lasting. It led to more employment opportunities for people with disabilities and heightened public awareness of the need to make buildings and streets in Hamilton accessible to people in wheelchairs.

Summerhaven, the residence for people with physical disabilities in Smith’s Parish, is just one of her legacies. She was also at the forefront of the BPHA’s seven-year campaign to amend the 1981 Human Rights Act so that people with disabilities would have legal protection from discrimination.


Carter was the only child of George Caswell Carter, a British engineer who came to Bermuda to work for the Bermuda Electric Light Company, and Margaret Daisy (born Taylor) Carter.

She was born with muscular dystrophy, a degenerative disease that causes muscle weakness. At age three, she flew to New York with her mother on the flying boat Cavalier to seek medical treatment, but by age 11, she was permanently in a wheelchair.

She was raised by her devoted parents at Rothesay, a large comfortable home on Mount Hill, Pembroke that had sweeping views of the North Shore.


She received her early schooling at Mount St. Agnes Academy, which she entered in 1944 at age five. Her parents were devout Presbyterians, but Roman Catholic Mount St. Agnes was the only school willing to accept her as a student.

Yet for that era, she was more fortunate than other Bermudians with disabilities, who were usually kept at home and hidden from public view, or forced to live in an institution, such as St. Brendan’s, the psychiatric hospital, because their families were unable to cope with the demands of caring for them.

And although she was schooled in a whites-only setting, Carter was raised in an integrated neighbourhood, which gave her a keen sense of the role that race played in Bermuda’s then segregated society.


When she was 13, she left the island to receive rehabilitation at Pinderfields Hospital in Yorkshire, England. She made the most of her three years at Pinderfields, relying on her sense of humour to cope with her loneliness and isolation. The whole experience left her with a profound dislike of institutions.

On her return to Bermuda, she completed a correspondence course in creative writing and began to develop her talents as a writer and a doll maker. She took painting lessons and travelled frequently with her parents. In 1964, the family toured the United States and the United Kingdom for 11 weeks.

By then, she had written a novel based on her experiences in the rehab hospital, but despite favourable reviews from publishers, it never made it into print.

She later self-published two pamphlets ‘1609 was a Very Funny Year’, a satirical account of Bermuda’s settlement, and ‘Bermuda Joe’, which was about a talking sea horse with the secret for world peace. Writing was a passion and a means of creative expression her entire life.


Carter’s parents were a bedrock of support. Her father built the hoist she used to get in and out of bed. After his death in the 1960s, her mother outfitted the family car with a hydraulic lift, which made the task of transferring her in and out of the vehicle easier.

In 1966, she began laying the groundwork for her university education, beginning with a televised G.C.E. history course taught by teacher-historian Colin Benbow. She received a second G.C.E subject in English.

Courses taken through Canada’s Queen’s University Extension in Bermuda followed, which led to her eventually obtaining a bachelor of arts with a major in psychology in 1983.


The activist phase of her life began in 1970 when she placed a newspaper ad, inviting people who were disabled to contact her. Her initial intention was to establish a network of social contacts because she realised that her mother, who was her full-time caregiver, would not always be around to care for her.

The result was the formation of the BPHA that same year. It became the forum through which Carter, working with a core group of disabled and able-bodied members, campaigned for jobs, and greater access to public facilities, education and transportation. 

Key members included Willard Fox, who like Carter had been disabled from birth; Father Pat Mackan, a Canadian Roman Catholic priest who was attached to St. Anthony’s Church in Warwick between 1979 and 1984 and help found Hope Homes for the mentally disabled; and Ronald Lightbourne, a future president of the National Association of Handicapped Persons, an umbrella organization. Both Mackan and Lighbourne were non-disabled activists on whom Carter leaned heavily for support.


It took some years before BPHA could boast of successes, but by 1974, Government had conducted a survey to determine the number of people with disabilities—something the BPHA had called for the year it formed.

In 1978, a Government report with recommendations to improve the lives of handicapped had been drawn up.

In 1981, Bermuda observed the Year of the Handicapped. It was a memorable year for Carter, who, accompanied by Ron Lightbourne, travelled to Israel to attend an International Year of the Disabled Persons design exhibition as an official delegate.  In 1983, the first Access Awareness Conference in Bermuda took place, and several new government policies flowed from that.


A major development occurred in March 1984 with the opening of Summerhaven, a residence providing semi-independent living for people with physical disabilities.  Businessman Richard Gorham led the fundraising drive for the $2 million project, for which Government provided a pristine property  overlooking John Smith’s Bay. Lady Ramsbotham, wife of Governor Sir Peter Ramsbotham, gave crucial support as well.  The Ramsbothams were parents of a disabled daughter.

The impetus for Summerhaven derived from Carter’s acute awareness of the need for such a residence.  A temporary stay at Prospect geriatric hospital when her mother was ill had only increased her strong dislike of institutions. 

She was all too aware of her own good fortune at being able to live at home, and of the housing challenges other Bermudians with disabilities faced. Fellow activist and BPHA executive member Willard Fox became one of the first residents of Summerhaven, a move that gave him a room of his own.

Carter, who worked with Lady Ramsbotham on the project for five years, cut the ribbon at its official opening, and served on Summerhaven’s board. Summerhaven, which can accommodate 18 people, continues to play an important role in addressing the housing needs of people with disabilities.

Throughout the 1980s, the BPHA pressed on with its advocacy. In 1988, after seven years of promises and false starts, it achieved a major victory when Parliament passed the long-awaited amendment to the Human Rights Act. Its effect was to outlaw discrimination on the grounds of disability. 


The 1990s ushered in more developments. In 1990, Government hired a specialist employment officer to match the needs of the disabled with employers. Carter hailed the new post as a “wonderful” breakthrough.

In June 1991, Carter was able to point to successes in several areas. There were nine buses with hydraulic lifts on the roads, where there were none in 1970, she told the Mid-Ocean News, and a swimming pool had been built at St. Brendan’s to provide therapy for the disabled.

Her overall tone was one of optimism. Carter was quoted as saying: “At first there was minimal success. As the association grew to include about 150 members—both disabled and non-disabled—we became more active. We started to ask for more things and to point out needs.”

 In July 1991, a building code went into effect that required public buildings to be accessible.  Hamilton’s City Hall had led the way in 1980, installing ramps on city streets, although it would take 11 more years for the Corporation to build ramps at City Hall itself, in addition to an elevator to give the disabled access to one of the two art galleries on the second floor.


The BPHA offered employment opportunities for the disabled with limited skills at its workshop at Prospect. Carter worked at the BPHA workshop two days a week, and conducted much of the BPHA’s business, including fundraising, from her home on the other days.

Her activities included coordinating transport for disabled locals and tourists with two vans that had been purchased with private contributions and were manned by a team of volunteer drivers.

After Carter’s mother died in 1985, Carter turned her house into a cooperative. Ronald Lightbourne joined the household, along with Rosie Fox, a mentally disabled woman who became her caregiver.


Conscious of the damaging effects of discrimination of any form, Carter became a founding member of Bermuda’s Anti-Apartheid Group, which waged a campaign throughout the 1980s to end apartheid in South Africa.

Unapologetically vocal, Carter made effective use of the media in the BPHA’s many battles–whether they were with Government over what she saw as its slow pace in changing policy, or with a rogue taxi driver for refusing to pick up people in wheelchairs.

In 1990, she publicly chastised Raymond White, owner of Little Theatre, for screening the film My Left Foot, which was about the life of disabled painter Christy Brown, in a cinema that was inaccessible. She dismissed White’s offer to have her lifted up the stairs, saying there had to be a more dignified way for a person with a disability to view the film than by having to be carried through the back door.


Carter, who never married, lived a full life. She was an active participant in Bermuda’s cultural scene—she enjoyed theatre, films, art and dining out. As a young adult, she took painting lessons, and even exhibited her work, but the future activist told a Royal Gazette reporter in December 1970 that she was unable to view her own paintings because the second floor gallery at City Hall was inaccessible. She honed her writing skills through her membership in various writing groups.

Carter was a co-writer, with Ron Lightbourne, of the 1989 road show We Are You and contributed to the Bermuda Writers’ Collective book of short stories Palmetto Wine, which was published in 1990.

Carter’s activism came to a sudden halt in November 1992 when she suffered a stroke while attending a creative writing workshop sponsored by Government’s Department of Culture and led by the Barbadian novelist George Lamming. She died the following month at age 53.

Her funeral, which was held at the Anglican Cathedral, was attended from a wide cross-section, including activists, Government and Opposition MPs, and clergy from different denominations. A jazz band serenaded her coffin out of the Cathedral, in New Orleans tradition, on its way to the Methodist Cemetery on Cemetery Road, Pembroke, where she was buried.

Just two months before her death, Government adopted a new policy of mainstreaming disabled students into the regular school system.

In 1993, a year after her death, the Bermuda Writers’ Collective, of which she was a member, published An Isle so Long Unknown, its second collection of short stories, in her memory.  Carter’s Snow White and Briar Rose Revisited is among the collection.

Despite Carter’s love of literature, most of the Bermuda National Library's collections were off limits to her because they were inaccessible to people in wheelchairs. That changed in 1997 when an elevator was installed and dedicated in her memory.

Carter was a formidable figure who was unwavering in her goal that Government and society in general become more responsive to the needs of people with disabilities.

Clare Hatcher, a lawyer, close friend and fellow activist who now lives in Ireland, said Carter challenged the notion that people with disabilities should be treated as objects of charity.

Carter was the recipient of many honours, including Rotary Club’s highest award, the Paul Harris Fellow. She served on Government’s Rehabilitation Council in the 1970s and the Human Rights Commission in the 1980s, which was a testament to her stature as the leading spokesperson on matters affecting people with disabilities. 

Her commitment for people with disabilities stretched beyond the grave—in her will, she left a cottage to the Board of Summerhaven, with the rental income contributing to its operating expenses.

Despite Carter’s achievements, barriers remain for people with disabilities. In the years since Carter’s death, no one has emerged to take up the cause of people with disabilities with quite the same degree of fervour.

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June 1, 1939—Born with muscular dystrophy, the only child of George and Margaret Carter

1942—Carter and her mother travel to New York on board the flying boat Cavalier to seek medical treatment

1944—begins her formal education at age five Mount St. Agnes, the only school willing to accept a student with a disability

1950—Is permanently in a wheelchair at age 11

1952-1955—Is a patient at Pinderfields Hospital in England

1955-1960—Back home in Bermuda, Carter develops her talents as a doll maker; takes courses in creative writing and painting

1964—Carter tours the U.S. and the U.K. for 11 weeks with her parents.

1966—Takes Colin Benbow’s television G.C.E.history course

1970—takes out a newspaper ad, inviting disabled people to contact her—the result is the formation of the Bermuda Physically Handicapped Association

—Government conducts a survey to determine the number of disabled people living in Bermuda

—Government publishes a report with recommendations for improving the lives of disabled Bermudians

1981—Bermuda observes the Year of the Handicapped; Carter attends conference on disability in Israel

1983–Bermuda’s first Access Awareness Conference takes place; Carter receives a bachelor’s degree from Queen’s University.

1984—The first draft of a proposed amendment to the Human Rights Act is shared with BPHA; Carter publicly rejects some aspects the following year and is chastised by Government.

1984 — Carter cuts ribbon at opening ceremony for Summerhaven on March 18

1985—Carter’s widowed mother dies and Carter turns her home into a co-operative

1988—Parliament passes the long-awaited amendment to the Human Rights Act—a major victory for the BPHA

1990–Government hires a specialist employment officer—Carter hails it as a “wonderful” breakthrough

1991—Carter points to a number of successes, including nine hydraulic buses in service to transport people with disabilities

November 1992—Suffers a stroke in a creative writing class

December 27, 1992—Dies at age 53

“Once I went up the baggage lift into the Queen of Bermuda. I went up the forklifts with the food into the planes…. When I travel people are always grabbing me. They seem to be more at ease with someone in a wheelchair. When we went through Quebec everyone kept saying: ‘There’s a special shrine with a nice little miracle for you’, or ‘Have you seen Dr. So-and-So, have you tried such and such a pill?’” - Bermuda Sun, August 3, 1968

“We started off with social aims in mind just to get to know each other. But really that has gone by the board now. We see so many things needed for the physically disabled. They need a place to go and sort of try out their wings, learn a trade if they have never worked in a sheltered working environment for the physically disabled.” - The Royal Gazette, December 29, 1970

"I get offers from people wondering if the handicapped want something to do—for free—to keep them busy. I tell them the handicapped are no different from anyone else. They don’t do anything for free. If they want to keep busy they can watch a video."

“I don’t watch television. I’m a night person. Whenever I get the opportunity to go out, I go out. I like meeting a friend for dinner at night. I go out. I like plays and movies. I went to about half of the Bermuda Festival programmes last year.” - Mid-Ocean News, May 28, 1987

“There has got to be a better answer. We shouldn’t have to be going through back doors or through somebody’s kitchen. The answer is to get into the building codes that buildings that are inaccessible to the handicapped will not be turned into public use.”—Carter’s reaction to an offer by Little Theatre owner Raymond White to have four men carry her up the stairs to see the film My Left Foot (Bermuda Sun, April 12, 1990)

“I do think people can make a change in life. I used to get depressed thinking nothing could make a change but I realised people do make a difference and must make a difference.”

“This is a major victory. It means we will no longer have to rely on people carrying us up and down steps. This will change the profile of Bermuda in the future. New building codes will have provisions for access so people building public facilities or facilities intended for use by the public would have to abide by them. This will not just benefit the disabled but also the elderly, mothers with push carriages, and even people moving heavy objects.” - Mid-Ocean News, June 7, 1991

Margaret Carter’s ‘Beatitudes for the Physically Handicapped’:

“Blessed are those who realise that I am human, and don’t expect me to be saintly, just because I am disabled…
"Blessed are those who pick up..and lift..and pass..and deliver..cheerfully, and sometimes without even being asked…
"Blessed are those who understand that I am sometimes just weak and not lazy…
"Blessed are those who forget the deformity of my body and see the shape of my soul…
"Blessed are those who see me as a whole person, unique and complete, and not as a ‘half’ or one of ‘God’s mistakes’…
"Blessed are those who love me—just as I am— without wondering what I might have been like…
"Blessed are my friends, on whom I depend, for they are the substance and joy of my life. Daily they assist me on my long journey home to my FATHER.”

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Further reading

““She Makes Dolls for Store Windows”, The Royal Gazette, February 25, 1965

“Margaret Carter: Life is Very Funny” by Margaret Fishley, Bermuda Sun, August 3, 1968

“Handicapped Group Gets Under Way”, Bermuda Sun, July 4, 1970

“She Hasn’t Seen Her Own Art Display”, The Royal Gazette, December 29, 1970

“The Tragic Waiting Game”, The Royal Gazette, May 17, 1978

“Handicapped Expect Rights Act Changes”, September 23, 1983

“Appeal for New Buses for Handicapped”, The Royal Gazette, September 25, 1983

“Disabled Plan New Campaign”, Mid-Ocean News January 18, 1985

“Handicapped are Still Waiting”, The Royal Gazette, June 11, 1985

“The Bus Normalises Our Lives”, by Margaret Carter, Mid-Ocean News, May 29, 1987

“Access Row Brews—Disabled Film Fans Left Out in the Cold, Bermuda Sun, April 12, 1990

“Handicapped Mourn Loss of a Friend—Campaigning Father Pat Honoured”, Bermuda Sun, December 14, 1990

“It’s a Major Victory Says Margaret Carter”, Mid-Ocean News, June 7, 1991

“Lady Ramsbotham’s portrait is unveiled at Summerhaven”, The Royal Gazette, October 27, 1983

“Summerhaven Dream Comes True”, The Royal Gazette, March 19, 1984

“Books, Fun & Access for All”, Bermuda Sun, June 19, 1992

“Rights Activist Suffers a Stroke”, Bermuda Sun, November 12, 1992

Margaret Carter obits, The Royal Gazette, December 28&29, 1992; Bermuda Sun, December 31, 1992

Colin Benbow column, Bermuda Sun, July 2, 2003

Queen’s University Archives

Annual Report of the Human Rights Commission Bermuda, 2006

An Isle So Long Unknown—Short Stories edited by Angela Barry, Rawle Frederick, Ronald Lightbourne, Nelda Simons. Foreword by Ronald Lightbourne. A Bermuda Writers’ Collective Publication, 1993

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