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| Carlyn | December 30, 2014 7:43:47 PM |
To MPI staff who crawl this board:
I understand that insurance companies need to save money and limit payouts. I
work hard to deal with MPI with professionalism, rather than flying into fits
of rage or despair, and to keep requests reasonable. When your case managers
outright lie to me, hide behind legalese terms and vague explanations, delay
providing helpful equipment or treatment, or otherwise deal with me in
underhanded and manipulative ways, I find it difficult to trust anything else
they say, and to maintain that professionalism.
"My job is to help you get better". Then approve some of what my care providers
are recommending, instead of soliciting one-liner "not medically required"
or "elective" opinions from your people, who often don't even put their names
to these opinions, don't have (or choose to ignore) all the facts, haven't met
me, and are clearly not invested in helping me to get better. (Even recovery
is "elective", but you have a legal obligation to help.) Act on the requests
that will help us to get better and resume normal activities, instead of
sitting on them for months, and then getting mad at us because we're not
getting better on your schedule.
"I'm not a doctor. I can't tell you what to do." But you can tell me that I
don't need to do what my medical professionals are telling me to do?
"This is all I can do." Nope, we know that you can do more. We've heard it from
numerous sources, and sometimes personally experienced it in the past. You
either don't want to admit you can do more, or can't be bothered. For you this
is a job that you leave behind each day when you go back to your comfortable
home and family. You're well compensated for your work, though it does sound
like your case load is heavy. For claimants, it affects our whole life, and we
work a lot of hours without compensation (or with meager compensation) trying
to understand what it will take to get better (while hopefully retaining some
measure of sanity), and to get you to step up to the plate and help us. Filling
out your multitudinous forms. Hoping we'll still have our homes and families
when all is said and done.
Why do you spend thousands of dollars soliciting blind opinions or having PI's
follow people around, when you could spend just a few hundred helping to make a
difference in people's lives by agreeing to (or supplementing) their care
providers' recommendations? Why assume everybody is guilty until proven
innocent? Not everyone is shady and devious. Some of us are just trying to get
our lives back, and get out of your pocket and red tape jungle as soon as
possible. Because it's a nightmare in there. |
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| Mary Ann | December 17, 2014 8:45:34 PM |
Jarod,
I'm not sure exactly how it works, but if you changed your license from MB to AB, your license would
have been cancelled at that time and MPI should or may have owed you a refund prior to your
renewal. You are responsible in looking after those things when you move and to return the plates.
However, ask MPI for the contract of your license and insurance policy/agreement to where it states
that MPI has the right to automatically renew your policy.
Private insurers will not do that, and if you're delinquent with your policy renewal and payment, you
will be cancelled and may be penalized on your rates when you renew. |
|
| Jarod | December 17, 2014 8:29:54 PM |
| I moved to Alberta this last summer, after the 90 days your allowed to drive
out of province with Manitoba plates I canceled my license and parked my car
because it did not meet Alberta safety standards. I bought a new car and got an
Alberta license and registered my vehicle. Little did I know MPI renewed my
insurance policy for me which I didn't want and now I owe them for 25 days of
the policy which costs $259, Even though I didn't have a Manitoba license nor
was I a Manitoba resident. They refuse to drop the charge. Despite the fact
that even if I had known the car was insured and I needed to make a claim I
could not have made the claim because I didn't have a Manitoba drivers license
and I was not a resident of Manitoba. You cannot register a car in Manitoba if
you do not live there, you don't need a license but you must live in Manitoba
and have an address there. never in a million years would they have let me
claim on that insurance policy. MPI Is a criminal organization with government
protection. I can tell you folks from experience here in Alberta, Privatized
insurance is by far superior than this government run scam. I was charged for a
policy I didn't want, was unaware I had, and that could not be used. |
|
| Tyrone | December 9, 2014 1:21:03 PM |
| MPI is a load of $%!# I had to insure on my other vehicles because I did not
have loss of use coverage. I only insure it for one month, but after a week I
did not need the vehicle because I got a car from the body shop. So when I
went to cancel it. I got only 20 dollars back this is after 6 days before I
pay 158.oo to insure my other car. MPI hit me with all these fees which is a
load of crap. |
|
| Carlyn | December 7, 2014 1:43:33 PM |
My impression is that Winnipeg Police don't attend accidents or take accident
reports unless there's a suspicion that drugs or alcohol are involved, or a
fatality, or someone who is admitted to hospital (not the same as being taken
to the ER). Winnipeg police have farmed out attendance at MVA scenes to fire
paramedics, who take reports when they attend. Local police apparently have too
much to do to be at every fender bender in a city where so many people seem to
drive without regard for life and limb. Not sure if that's the case with the
RCMP in rural areas, or other cities.
MPI can look at damages to the vehicles involved, and their adjusters can
usually tell the angle of impact, whether a vehicle was stationery when hit,
etc. But unless witnesses stop, or there's a camera in the neighbourhood, I was
told that there's little they can do other than follow the basics of the
traffic act - people leaving a straight line or rear-ending someone else are
almost always considered to be the at-fault party. Even if the other party was
running a red light, or cut you off. It's important to get witnesses if
possible. |
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| MaryAnn | December 7, 2014 7:33:55 AM |
MPI does whatever MPI wants. They make up rules as they go along. They're bureaucrats. If they
don't know something, they'll go to their supervisors, managers, and lawyers to find an answer or
create one.
The only thing I can offer is, MPI cannot put blame anywhere when there are no witnesses for either
side. If MPI didn't witness it personally, then they cannot prove either person was "at fault". I'm not
sure how it works in Manitoba, but did the police go to assess the situation? The police are paid to
"Serve and Protect". They should be at every scene when the damage is over $1000.00. If no one
assessed the situation and MPI is saying it's your fault, then request a copy of other person's
statement submitted to MPI. You can ask for all the paperwork involved with your claim.
What's really ironic, is that MPI brought in the "no fault" system in order to help everyone without
looking "at fault". Yet, hypocritically, the first thing they do is look for "at fault". |
|
| Carlyn | December 4, 2014 1:38:45 PM |
| Sorry, John. Without witnesses, you're probably hooped. It's sad that so few
people stop to 1) check if everyone's OK, and 2) offer to speak as witnesses.
Might be time to invest in a dashboard camera? You could try posting signs in
the area, and ads looking for witnesses on free websites like Kijiji, Facebook. |
|
| John | December 3, 2014 10:32:39 PM |
Could really use some advise please.
Today I had an individual who decided to turn on to the road in front of me
when it was not safe to do so. Normally, you would hit the vehicles side
showing that they proceeded when it was unsafe to do so. With ABS on due to
ice and parked cars on the right lane there was no real options but to hit
their vehicle. Unfortunately, there was just enough time for their vehicle to
straighten out making me hit their rear end.
Due to the extremely narrow minded traffic act and MPIC, they instantly said
it was my fault no matter what. With no witnesses, what is going to be my best
bet to fight this? |
|
| Loni | December 3, 2014 10:09:47 AM |
Im looking for advice in an MPI case. My BF was found 100% at fault for an accident he didn't
commit. There is no damage on his vehicle yet MPI says an eye witness came forward saying they
saw his truck back into another vehicle. My BF is 100% sure he wasn't anywhere near any vehicle
in that parking lot and pulled into a spot that he drove out of, no backing up was involved.
Advise? |
|
| Upset | December 2, 2014 5:25:53 PM |
| Did you know MPI releases your medical reports to your employer. At least mine did cause my job
was terminated yesterday because of a medical report. |
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| Nikki Brett | December 2, 2014 9:27:59 AM |
| If my car was a previous write off and we fixed it, got it safety'd but now it
was in a small accident with no other vehicle. Will it automatically get written
off? |
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| MaryAnn | November 30, 2014 6:40:27 PM |
I will share more, but as far as the medical terms definitions, I chose everything I could find within
letters I have ie. decision letters, emails, etc. I had emailed the supervisor a specified list of what I
wanted defined.
I was surprised, but I did get them. |
|
| Carlyn | November 30, 2014 10:27:32 AM |
Wow, MaryAnn... Kudos to you for persisting.
I have personally seen the truth of your statement re: case managers causing
further trauma by the way they handle claimants. I'm working really hard on
de-personalizing the process, and not getting stressed out, because I am
sure that the stress caused further soft tissue tension and delayed recovery
last time. I'm doing the best I can to keep the process moving forward, and
to do my part to get better and back to full function, which is a challenge.
I did not know it was possible to get definitions of their medical terms -I
will ask for this information.
I find the inconsistency rather challenging. Case manager told me initially
that when an item is not covered, they will get a prompt from the system,
and will call me, yet that has not been the case. They've made several
calculation errors on payments, and/or have not explained how they have been
calculated. 'Here's some money, be thankful. Don't ask questions.' Keeping
track, doing the paperwork they require, and ensuring I am fairly
compensated is another job in itself.
On the one hand, they'll approve an item that I wouldn't consider essential,
but still potentially beneficial/nice to have. And then for another item
that's of more benefit, they pull out the "not medically required" term. I'm
thankful that my workplace health plan will cover some of the things MPI
will not. But I think MPI should be stepping up to the plate first. Perhaps
my/our health plan provider/s should sue MPI for reimbursement of those
amounts. |
|
| MaryAnn | November 26, 2014 8:49:42 AM |
Thanks Carlyn. It's nice to know people are reading these posts and hopefully getting something out
of it.
I have had to advocate on my daughter's behalf as she cannot do that for herself due to her injuries.
She was a passenger in a vehicle and was having a snooze while traveling on the TransCanada near
Kenora when they were struck by another vehicle. She suffers catastrophic injuries that have affected
her entire life and being. MPI cut off benefits at the get go when splints were desperately needed;
benefits and funding were threatened, they withheld information, they shared information outside MPI
without consent and the Ombudsman slaps their hand and they carry on; Internal Review wanted us
to sympathize with their job; we don't know what information is provided to Health Care Team
consultants; they use "blind opinions" to provide medical denials and approvals instead of using the
information of a "treating" physician. The list goes on.
I have learned a lot, and I will not watch or let them take advantage of a now physically and
cognitively impaired human being.
Yes, they certainly do neglect Section 150 and 138. I've written to Mr. Swan and let him know a lot. I
would love to share this letter at some point. I am aware that MPI will hire professionals as external
case managers to go outside their skill set and follow Section 150 of the Act and follow MPI's rules.
MPI cannot force outside professionals to follow MPI's guidelines. Professionals are bound by their
own College of profession and have an obligation to the claimant first and foremost before any
contract or agreement with MPI. I've written to the consultants in Health Care Services at MPI and
reminded them of this. However, MPI also withholds the Health Care consultant's name and
qualifications. Claimants have the right to that information. Through their Mickey Mouse decision-
making process, MPI uses that information in determining whether they will approve or deny funding
based on an anonymous "blind opinion". Make any sense - NOT!
The most important thing above all...MPI case mangers are not medically qualified; nor do they have
the authority to play doctor and deny "medically required" items or medical treatment. They do not
have authority to override a treating physician's recommendation or prescription - even through the
"blind opinions" of their consultants.
Also, Carlyn, I've asked for a list of their definitions on various medical terms such as "medically
required". I have that too.
I have a huge problem knowing that seriously injured people are being taken advantage of right from
the get go. The ladder of recovery is hard enough to climb without a case manager dictating and
pushing people and taking full advantage of them. It has to stop!! There is a proper process that
would assist people through with success. MPI doesn't even recognize "trauma" induced by
accidents or that it could lead to PTSD.
I'm sure MPI has learned that I'm not backing down and I'm not going away. I have no problem
sharing my documentation, videos, and pictures, and story of my daughter's life that was, to how she
has fought for survival and recovery. |
|
| Carlyn | November 25, 2014 8:38:50 PM |
Leslie - yes, you can buy out your claim. You don't need to go through MPIC
for a single car accident without injury or damage to others' property. Just
fix it yourself, and there's no effect on your license. Even if you've
already filed a claim, you can buy it out (pay for the cost of repairs).
Mary Anne - thank you for being such a valuable resource for victims of
MPIC. I dealt with them for long-term injury in the past, and unfortunately
am riding that merry-go-round again. They certainly don't follow sections
138 or 150 of the act without pressure to do so. (Corporation to assist in
rehabilitation, Corporation to advise and assist claimants). Their cookie-
cutter treatment numbers for soft tissue injuries are generous for some
claimants, yet woefully inadequate for others.
I almost laughed out loud when my case manager told me that her job was to
help me get better, and back to work. Giving me scads of paperwork to fill
out and even more work to do when I'm already functioning at limited
capacity, and pressuring me to be back by certain dates, while denying
medically recommended/necessary items is not helpful. It baffles me why they
readily approve some items of questionable value, and deny others that are
clearly of benefit. And don't get me started on their overuse of the term
"not medically required", and delays in providing clear information. Sigh. |
|
| Leslie | November 20, 2014 10:00:37 AM |
I have made a claim for a recent minor accident. There were no other vehicles
involved and no damage to any other property other than my vehicle. I have not
seen the adjuster yet. I have discovered that this will increase my license from
$65.00 to $320.00 and I will get five points taking me to a -5 rating. It will be less
expensive for me to just fix the damage on my own.
Can I cancel the claim? If I just don't get it fixed through autopac will my license
and points still be affected?
It seems pretty harsh for skidding on some ice and damaging the rim on my front
tire
Any thoughts on this? |
|
| GORD | November 12, 2014 4:22:34 PM |
| MPIC ARE NOW INTO EXTORTION, DID YOU KNOW WHEN YOU LET YOUR INSURANCE EXPIRE,
AS WE HAVE DONE FOR 37 YEARS, THEY NOW CONTINUE TO CHARGE YOU UNTIL YOU
PERSONALLY GO IN TO YOUR AGENT AND TELL THEM TO CANCEL THE INSURANCE. FOR 37
YEARS WE HAVE JUST LET OUR INSURANCE EXPIRY ON THE EXPIRY DATE, WHICH HAPPENS
TO BE THE END OF OCTOBER, AND WE DO NOT DRIVE OUR SUMMER CAR OR MY TRUCK IN THE
WINTER, BUT TODAY, NOV.12, WE RECEIVED A REGISTERED LETTER IN THE MAIL SAYING
WE OWE THEM $1600 FOR THE RENEWAL THAT WE DID NOT ASK FOR, SO WE WENT TO THE
AGENT WHO INFORMED US AUTOSHAFT HAS BEEN DOING THIS FOR 5 YEARS AND WE HAD TO
SIGN TO CANCEL THE INSURANCE, ONLY TO FIND INSURANCE CHARGES TO DATE, NOV.12
AND CANCELLATION FEES, WITH A TOTAL OF $150 EXTORTION FEES. I ASKED THEM WHY I
HAVEN'T RECEIVED A LETTER FOR MY TRUCK, WHICH I HAD NOT LICENCED THIS SUMMER
2014, BUT I DID LICENCE THE TRUCK LAST SUMMER AND LET IT EXPIRE OCT.29,
2013...NO ANSWER!
WHY IS THERE NOT A LEGAL FIRM HAVING A CLASS ACTION LAW SUIT TO SMARTEN UP
THESE MPIC PEOPLE WHO ARE FRIENDS, NEIGHBOURS, AND FELLOW MANITOBANS.....
ONLY IN MANITOBA. |
|
| Jack | October 26, 2014 11:43:21 AM |
| I was wondering who you can talk to about getting a final payout from MPI, I
was hurt in a car accident and MPI now helps with "IRI and "PCA", but I want to
be rid of them for good, I want some kinda payout so I don't have to deal them
every single month, is there anything I can do or someone I can contact |
|
| SK | October 22, 2014 12:20:48 PM |
| Hi,
I have been driving since 10 years now in Manitoba.
And now I got the motorcycle license.
I hate to say but really Manitobians are too friendly which they don't suppose
to, we know only having one insurance company in province is not fare for
people lives in Manitoba but we don't do anything.
These MLA MNA are here for people of Manitoba not because we living here for
them, the do whatever they want to do, MPI/autopac should have competition
here in Manitoba how can it is possible with formal communication? letters?
emails? complaints I believe most of them already have done that, why not ask
our newly MLA and protest hard to force them to think about that. They are
because of us and for us why they treat people like garbage !! |
|
| Mary Ann | October 12, 2014 10:36:57 PM |
| The Act is very time consuming but worth going through. The two sections I feel are really important to
know are 150 and 138. I seem to have had to use or fall back on these throughout the years. |
|
| Mary Ann | October 9, 2014 10:40:36 AM |
Correct! There is a huge problem with having a provincial gov't corporation having the monopoly of
operating an insurance company.
MPI has "at the least" 15 lawyers working and getting paid by ratepayers who when injured cannot afford a
lawyer to even assist in understanding MPI's "ACT". That's a huge issue!! MPI will allow a claimant to use
the services of another gov't employee known as a "claim's advisor" for AICAC appeals only.
Do not talk to any of their lawyers either. One of them wanted to call me and I advised him through email
that it would not be wise of me to discuss my daughter's file over the phone. I like emails - the written
word.
MPI is biased in every way. They are only out to save numbers on claims, but the costs of running the
corporation are enormous, and their rates are not the lowest in Canada. Use extreme precaution and/or
discretion when talking to them because they will only tell you what they want you to know. They look
after themselves and brag about it on their website.
You should be receiving one-to-one Community Physical therapy and Occupational therapy (in your own
home, not only for assessments but also for actual therapy); Psychological therapy (for your brain injury
and trauma of what has happened to you, and adjustment to this); funding as mentioned previously.
Any other gov't services such as the Ombudsman will do nothing except point out to MPI their wrong
doings with a slap on the hand. All other entities within MPI such as Fair Practices are just job
creation/positions.
I have written a few letters to Mr. Swan, and I won't stop at that either. I will say, after almost 10 years,
things have become a lot better. However, the next huge issue they cause for my daughter, I will not hold
back from sending copies to everyone and everything I can think of.
I just have a huge problem knowing that many others are being taken advantage of when claims are made
and the seriously injured are not being helped properly. Those case managers know nothing about how a
person feels when suffering pain, losses, trauma, and more importantly the importance to immediate
assistance to rehab and financial burdens.
This is too much info, but I hope others are reading as well. |
|
| CJ3 | October 8, 2014 5:42:09 PM |
TY Mary Ann forgot spelling.
There is an issue with legalities and power. Corruption and greed come to my mind. ThxSoMuch for
ur advice and shares! Appreciate it. Invaluable. TY |
|
| CJ3 | October 8, 2014 2:34:21 PM |
ThxSoMuch. I haven't figured out how they can figure they can do my "treatment" plan. Like I did to
them: I have my own Alternative Healing Team. My doctor referrals I'm doing. MPI referrals just 1 I'm
doing; in home assessment with a witness and a recorded 2 hours if I can last, at this point I doubt it.
I have an advocate for this Saturday assessment.
TY will keep at em. I'm not signing anything I don't know exactly WHAT it is. Friend coming over to
read Act with me for as much as I can absorb in 10-60 minutes. I'm sure 60 minutes will produce a
headache. |
|
| Mary Ann | October 8, 2014 7:57:44 AM |
Also@CJ3
Don't let MPI dictate what specialist you should see or get assessments with. Get referrals to specialists
and/or therapists from your doctor.
MPI has their own hidden consultants to provide "blind" opinions. These are only opinions; therefore, they
are legal, but completely invalid - medically.
You will experience the "ways of MPI" where nothing makes sense because their Senior Case Managers are
not medical graduates and, in my opinion, are playing doctor through denying and/or approving medical
treatment (based on the information or documentation along with the "blind opinion" of their own
consultants) to rehab which sometimes includes pharmaceuticals. They are then providing a medical
decision (which, in my opinion, is a prescription and a claimant's medical fate to rehabilitation). I don't
know how this is legal because it is my understanding in Canada, at least, that only a "doctor" can provide a
prescription.
This is important information! |
|
| CJ3 | October 8, 2014 7:17:26 AM |
I think a Class Action suit would bring the media attention needed to show MPI waste, corruption n
such. I phoned a bunch of lawyers ... Well my friend did. Since PIPP came in March 2014 I figure? ;
lawyers don't want these cases... One lawyer I called after leaving a note on a website kept telling
me call MPI I said I did I asked a question and he kept saying call MPI it was a 2 minute totally
confusing call.
I dislike lawyers. Prior to this head injury I've been in court numerous times advocating and helping
represent Self Represented Vulnerable ppl that can't afford these silly lawyers. I'm think they are for
the rich.
Class Action needed. MPI has too much power. New insurance law came in I think this year. I
believe u can sue your CM in Small Claims for sure. ? |
|
| CJ3 | October 8, 2014 7:07:35 AM |
TY I appreciate any info dealing with these Bully's.
MPI Case Manager changed 2-3x now. Confusing. Senior Case Manager and phoning daily. Stating
(all recorded due to memory) to get all this stuff done which I can only focus on 1 thing at a time in
the 2-4 hours I'm awake and somewhat can think a little. Reading and absorbing r very difficult n
frustrating.
I just received a package n CM (case manager) said due 10 Oct. Doctor releases but why they want
2 years medical prior when they say they may cover current health challenges?
I can't find any deadline times except appeals. It's been 1 month Saturday since I got hit by Transit
bus and survived. At controlled intersection I had walk sign. Bus no charges pressed? Totally at fault
3 hwy traffic act violations. I don't get that.
I am just going to get someone help appeal if they close file as they threatened by letter already cuz
I didn't call back. I called in accident n got claim # as per Family Doctor said to do. My mind is
affected and it's hard to get on ALL these things from MPI
The Occupational Assessment is being attended by my sister n me here this Saturday. 1 appt was
cancelled because my advocate was not available and I found out the day before there were 2 ppl
coming to my home for occupational assessment. I have hard time focusing on 1 person. 2 and
alone = bad for me. Short Term memory issues. Cancelling that assessment cuz I need ppl here with
me mad CM mad n left me rude VM 2 mornings in a row so far. That my schedule and rest times are
not relevant n I have to attend their appts. I said not alone I won't. It takes me time due to memory to
get these set up when I'm only awake 2-4 hours. Sleeping no noise no lights limited online time cuz
everything is so exhausting.
Told lady I'm trying to just feed myself rest n bath. That's a challenge when I'm only up a few hours
and have to deal with MPI. But I'm doing the best I can to attend these appts I'm NOT doing em
alone or without recording everything from MPI
How can MPI cancel my doctor referral to a CT and a Post Concussion Specialist? My doctor
prescribed Massage Laser, Red Light, Accupuncture but MPI said not covered. I'm still doing it all at
my expense. Accident sept6 2014. Wolseley woman hit by bus. Takes time and pushing with a head
injury = worse.
Hope I make sense. Worn out I check after I rest if I answered questions.
TY
Hard to focus on long written messages. Talking in person or on phone seems easiest at moment.
Ty |
|
| Mary Ann Macnaughton | October 6, 2014 11:19:32 PM |
@ CJ3
You need copies of all your medical reports. Were you in a coma at all from your accident? Do you have any
family or anyone to help you? You will need someone to help you (an advocate) to deal with MPI, doctors,
and forms. You are entitled to receive income replacement if that applies. You are also entitled to the
personal care benefit if that applies. This includes meal prep, cleaning, and all sorts of things. It just
depends on the level of care you need. An OT needs to assess that, as you may not even realize what kind
of assistance you should be getting.
You should not be doing this yourself. MPI is the insurer and you are entitled to Med/Rehab! Don't worry
about deadlines...you were injured on a specific day and that's all that matters. There may be a police
report and I imagine you went to the hospital, so there would be an ambulance report?
You need to have your doctor and any specialists provide a report of your injuries. You need to express
that it is important to know whether your injuries are catastrophic. Brain Injury usually is catastrophic
especially the things you've described. Time and rehab may help you get through daily life, but overall,
your life now has changed and may continue to be that way. MPI won't assess catastrophic until med/rehab
is done and a permanent payment made. However, MPI is in it for life. Unless it has change, the Act does
not state a time frame or limit on med/rehab.
You need your doctor to refer you to a psychologist and/or possibly a psychiatrist for an assessment. You
also need a referral to an OT to assess your needs at home and level of care you may need over time. This
includes assessing abilities to inabilities, activities, sleep patterns, short term memory, rehab, etc.
MPI will only tell you what they want to tell you. If you can, demand that they email you so that you have
everything in writing to refer back to.
I have almost 10 years experience in dealing with them. The last thing you want is a rookie looking after
your file.
Keep me posted, I check this site all the time. |
|
| CJ3 | October 6, 2014 3:55:49 PM |
| Thank you for this site! What I have managed to read gave me some answers. |
|
| CJ3 | October 6, 2014 3:52:49 PM |
I was a pedestrian crossing at a controlled intersection with the walk sign when a transit bus that
was turning left at the lights hit me when I was walking.
Head Injury, 9 staples plus short term memory, exhaustion, forgetful, confused bad Vertigo ear
buzzing.
MPI refused all my doctor treatment plans. And head Injury doctor referral was cancelled by MPI
How does this make sense? It doesn't to me. They cancelled CT dr referred cuz my head aches
head pain light sensitivities and noise intolerance isn't normal for me. I'm always mad now and have
no patience quickly cuz I need to rest n not think.
MPI constantly calling n sending close file 1 letter n supervisor left bullying message today on VM.
What are the deadlines? I'm sleeping 16-20 hours a day still. I can make something to eat as long as
I focus on just that till I'm done eating. Then my head hurts I can't think n I have to lay down.
Darkness n silence helps
I called MPI n stated I was hit by a bus n had head injury. Case manager finally connected and she
was mad cuz I didn't call right away but I wasn't able to! Now another case manager, senior, that
leaves me VM that my inability to call back n set up their appts is intolerable.
What are the deadlines? They've paid nothing and I've financially went broke since accident sept
2014. I'm following my dr orders which are not at all like MPI orders .
I've done through the MPI act and on first pages due to that reading being exhausting. Trying to read
n fill out MPI forms (almost 30 pages to read not sure how many I fill out did almost 1) and their
manual says nothing about deadlines. 30 days if I appeal is the only deadline?
TY brain issues :( MPI threats = Stress = worse symptoms ie stuttering n that's even more frustrating
than this slow thinking for short bursts. |
|
| Nicole | August 27, 2014 8:26:29 AM |
Anon,
As far as I know, Funk and Strell are the only law firm listed under the
Manitoba Legal Society as specializing in MPI. I contacted 20 different
personal injury law firms stating I would pay by the hour. Only 1 lawyer called
me back. When I asked why no other law firms would return my calls, he told me
lawyers typically don't like dealing with MPI for a number of reasons:
1. There is usually a great deal of documentation to examine.
2. You usually have to go though more than one level of appeal.
3. There usually isn't any money worth fighting for.
Many lawyers are unwilling to take on MPI cases (even if you agree to pay them
by the hour) because MPI claims are frustrating, require a lot of work and drag
on forever.
Good luck to you, I know how horrible MPI is and how much stress they place in
your life. It really is a crime. |
|
| Anon | August 26, 2014 8:06:15 AM |
| Any recommendation for a lawyer experienced with fighting MPI (and winning)? |
|
| Mary Ann | August 26, 2014 6:33:15 AM |
| I agree Bill - people should have freedom of choice to choose who they want to pay premiums to. People
should also have the right to tort in having paid legal assistance (not Claim Advisors/gov't employees). Not
one of the provincial assistance services such as fair practices, ombudsman, claim advisors, etc. actually
help a claimant. MPI does not like or want a claimant to have an advocate. |
|
| Bill | August 25, 2014 5:52:16 PM |
| I agree all Manitoban's should show up at the opening of the human rights museum
to protest against MPIC. An all day long event which all disatisfied Manitoban's
could participate?? We want freedom of choice!! |
|
| Craig Huston | August 5, 2014 5:53:09 PM |
| Dawn's case worker told her that MPI should pay for surrogacy so she can have a
child of her own. Do to her cronic pain from the accident and the meds see takes
she can't have a baby naturally and because she's paralyzed she can't adopt.
Dawn requested a pain doctor so she can get off the meds (which are affecting
her organs)and they won't even do that. Dawn had a rehibilitation group in
California to look after her needs and to find doctors and after the paperwork
was completed, approved by her case worker and appointment scheduled, the case
worker cancelled saying that she was going to look after Dawn and find the help
she needs (bull $%!# . Dawn works out at Project Walk and has shown great
improvement. All Dawn wants is to live pain free and have a child of her own and
to receive everyday necessities (of which MPI and the occupational therapist
agrred on and earlier approved)- a manual wheelchair incase her power chair
breaks down), lazyboy recliner (so she not always in a wheelchair), laptop with
voice activated software, and a table or desk to work it from. All these items
were approved but since has been denied by MPI. If MPI uses their heads and help
Dawn be pain free they would save thousands every year on pain meds and Dawn
could have a baby naturally and be able to function more normally. |
|
| kevin | August 4, 2014 9:56:08 AM |
| sept 20 human rights museum
opens!! Let's rally at the grand
opening!! show the people of
Canada we are lacking human
rights here in Manitoba!!that is
if anybody has a backbone and
wants to stick up for there
rights!! Let's get off the
computers and hit the streets
where people can see and hear
us! not just a website that only
people affected by mpi are
looking at!! people in Manitoba
have absolutely no clue unless
they have dealt with it first
hand.. come on people let's
protest (sept 20) human rights
museum grand opening and make a
change if not whats the point of
posting anything if you can't
stand up for it |
|
| Mary Ann | July 29, 2014 11:02:51 AM |
Correction: Case Managers do not have the qualifications to override any doctor, nor can they override
their own consultants.
Most people don't pick up on that. So the bottom line is, a case manager is making ultimate decisions on
your health and welfare. Challenge it!! Ask for qualifications and write to as many top provincial and
medical institutions as possible!
MPI's consultants are professionals; however, they can not know what a person's ultimate medical needs are
based on paperwork. That is a blind opinion. Challenge it!! |
|
| Mary Ann | July 29, 2014 10:43:23 AM |
1. MPI basically has sole discretion to do with your vehicle what they want to once you license it under
their plate/policy system and especially if you make a claim. MPI simply does what they want. They have
at least 15 lawyers working for them. The rate payers are paying for that and when claims are made, those
lawyers are working against the rate payer.
2. @ Superman - I can only suggest that you write to Premier Greg Selinger and to Mr. Swan. Case
Managers do not have the qualifications to override any doctor, neither do their own consultants. It
wouldn't hurt to send copies to the Auditor General and the Ombudsman. Letters need to go beyond those
you think will listen or do anything. It might be an idea to get detailed information from your neighbour or
whoever it was that MPI followed. Not that it would do any good, but a complaint of harassment could be
filed.
MPI throws more money away than anyone will ever know on trying not to provide benefits, than actually
assisting people with injuries and making sure they are well. It would be interesting to get an annual
accounts payable on what they spend on "spies", lawyers, contributions to AICAC and the provincial dept.
of Healthy Living among other provincial funded services. |
|
| Superman | July 27, 2014 8:45:09 PM |
| My husband was cut off benefits after MPI claimed he was lying about his injuries. They had an
investigator follow us for months, only problem with this is they claimed the tenant living in our home
was my husband and would follow this man to work, the gym, etc saying it was my husband.
Despite my husband having verified several medically diagnosed conditions and one of Mpi's own
doctors providing a diagnosis that agreed with his claim, MPI is demanding we pay the benefits back
and refuses to respond when I have offered proof that their claim is completely baseless.
I've written to AICAC several times and haven't received so much a response. Same with my local
MP. I'm currently looking for a lawyer, but the whole situation is a nightmare. I get that people cheat
the system, but when someone clearly isn't, there should be repercussions for this flagrant abuse. |
|
| Peter | July 12, 2014 4:50:50 PM |
| I had my bumper stolen from my car, 3 weeks ago while parked in my driveway. Now MPIC is
stalling with an investigation to determine something. What is to be determined, I have 15 plus points
no accident since 1996. Have a good job, kids in college and am an everyday honest hard working
individual. They have my car which does not belong to them on some kind of hold. I have made
many calls to MPIC with no answers and provide a statement which is like an affidavit. Lost use of
my vehicle now for three weeks and still making MPIC payments. WHAT DO I DO HELP. |
|
| kassaye yosef | June 12, 2014 11:32:42 PM |
| yes they deny me i have copy and recipt. my sepicaliste recommmaneded for one
years they say we are going to review since january 18/2014 i could not have ant
review. know i have 1/gfamily dr recommandation 2/neurology sepicaliste
recommnedation3/physiotherapy recommendation.for all the neurology sepicaliste
explane everything why his recommneded. finaly they say our medical team has to
review which one this accontable for the victim? the neurology sepicaliste DRIS
assistant professor of neurology university of manitoba this recommendation is
invalid. |
|
| Mary Ann | June 11, 2014 1:58:03 PM |
To kassaye yosef
The case manager at MPI cannot deny medication prescribed by your physician if this is something required
due to the accident. Have the Dr. give you a copy of the prescription and have the Dr. submit the original
along with an explanation for the prescription.
MPI WILL pay for a Physiotherapist, Chiropractor, or Athletic Therapist for massage treatment. They will
have to submit a plan detailing the number of treatments, etc. to MPI. |
|
| kassaye yosef | June 11, 2014 12:27:15 AM |
| I am in accident since january18/2014. But my family Dr and nurology sepicalist
Dr say I have concussion.I have been some medication some of them for sleeping.
MPI they denay those medication.They trying used their on DR that meanes those
who work for them. know I did not have any medication.what is my right? stell I
did not sleep since my accident.the phyisoytheraphy they order message they
denay.Ineed help for thes matter |
|
| Mary Ann | June 5, 2014 11:02:01 AM |
I'm not sure what to tell you either. However, did MPI say the impact "may" have caused further damage to
something that "may" have been pre-existing? That's garbage!! They don't know what shape the car was
in.
If it's a leased vehicle, I would get as much documentation as you can, especially from the dealership; and,
especially if the dealership is the lessor. Tell MPI you want documentation from them stating exactly what
was wrong with your vehicle prior to purchasing it. Can they prove there were pre-existing issues?
Like really, if that's the case, then all vehicles have issues at time of purchase. And, the biggest issue is,
that all vehicles are allowed on the roads putting them at risk of damage in which MPI is selling auto
insurance policies to provide for loss.
Anyways, try that...good luck!! |
|
| brie | June 4, 2014 2:07:25 PM |
Maryann,
I know what you mean, I am from Ontario and NEVER had to deal with anything like
this at all with my private insurance. This is why I am not sure how to deal with
this situation. I have never leased a vehicle until i moved here.
I really dont know what to do.. |
|
| MaryAnn | June 3, 2014 9:08:10 PM |
Dear Brie,
Move back to the other province. Seriously. I would NEVER live in Manitoba and the only reason is due to
my nearly 10 years experience dealing with MPI. They are a dictatorship gov't and monopolized
bureaucratic system.
Due to circumstances, my 10 years experience involves MPI and an Ontario private insurer. I can tell you
not once did I have to fight with the Ontario side. But then, in Ontario we have the tort system. To that
effect alone, Ontario rates are much better than Manitoba's. |
|
| Brie | June 3, 2014 4:53:11 PM |
I need some advice. I was recently in an accident, and was not at fault. The
total cost of damage was $8000. MPI will not cover half the damage as apparently
it was pre-existing (recently bought the car used, in September 2013 from a
local car dealership and barely use it at all since, only to drive to and from
work which is about 30 mins a day)
MPI claims that even if the final damage was caused during the accident from
impact it was preexisting and that the impact may have just caused it to fault
but they will not cover it as there was pre-exiting rust.
So now, I have it at Boyd waiting to be repaired but they wont repair anything
unless I pay the $4000 out of pocket to fix what was "pre-existing". They wont
go forth with submitting repair on what MPI will cover unless I get the rest of
it fixed as well...
What can I do? This is my first time dealing with MPI, I moved here from another
province and have NEVER had to deal with anything like this through private
insurance... PLEASE HELP! |
|
| john smith | May 29, 2014 4:26:08 PM |
1. I agree mpi sucks. But that's only a part of it. Long rant some other time. :)
2. I am trying to register/insure a commercial truck. This is a complicated
process and a helpful mpi broker's office would be useful. Does anyone have a
recommendation they'd be willing to share for a broker's office that has human
employees and not just mpi parasites? Your experience doesn't have to be with
the commercial truck side of it - your comments will be very much appreciated
regardless.
3. If anyone knows what "IWS registration" is, please tell me.
Thanks. |
|
| Mary Ann | May 26, 2014 10:29:26 PM |
Lucky it was just renewing a license at an office.
Imagine having to deal with MPI regarding severe injuries in trying to get
appropriate but the tiniest of benefits. It has been the most disgusting and
torturous experience in my life after the trauma of watching my daughter suffer
in a vegetative state and in pain. I've now been dealing with MPI for almost 10
years. Unfortunately, I will have to do this for the rest of my life. In
Ontario, a person isn't put through that type of torture. |
|
| New Guy | May 26, 2014 11:13:50 AM |
| @MM
You maybe surprised that within the MPI legislation, it states, MPI employees
can't be held responsible and they are not subject to the Civil Servants Act
Manitoba Public Insurance Act
s. 13
13(1) Notwithstanding The Civil Service Act and The Civil Service
Superannuation Act, and notwithstanding that officers and employees of the
corporation may by order of the Lieutenant Governor in Council be made subject
to The Civil Service Superannuation Act and designated as within the definition
of "civil service" for the purposes of that Act, the officers and employees of
the corporation are not otherwise or for any other purpose members of the civil
service of the Government of Manitoba.
I think your best course of action that will get attention is to complain to
government offices that deal with discrimination. |
|
| new guy | May 26, 2014 10:52:15 AM |
| There are many places that MPI can be reported to. The Fairness Division
(Winnipeg) and the Manitoba Ombudsman (Brandon).
You can also research where to report descrimination. |
|
| MM | May 20, 2014 5:54:29 PM |
Hello,
Has anyone ever filed a complaint about being verbally abused by an MPI employee
while trying to renew a license? A friend of mine felt she was treated badly
because she does not speak perfect English. This happened in the Brandon Centre.
Thanks |
|
| New guy | May 18, 2014 12:05:07 AM |
| I refused to move to arbitration. The claims adjuster and supervisor refused to discuss things with
me or provide information of any kind. It took lots of babbling in emails to get a response from them,
then I started to get reasons, which were very weak. The claims supervisor tried confusing
definitions. Said since repairs were completed to maintain a functioning vehicle, thus repairs are
maintenance. In three emails, one from adjuster and two from the supervisor, I was told repair were
reimbursable. I had put lots repairs into an older truck. When they found out how many repair there
were, they denied any. Them later said they were included, but under different items rather than
repairs. Though the actual cash value was the same at the start when they were not applying repairs
to the vehicle as at the end when repairs were being applied. The lies and games the adjuster and
claims supervisor played showed they had no honesty or dignity. I could easily refute their claims
with documentation and they still refused. It became apparent they were going to say no cause they
wanted to without reason, and I was entitled to what I claimed. They refused to forward me policies
and procedures I requested. They didn't have a leg to stand on, yet would not budge.
When I understood their mentality, they are bullies.
Ignored my calls and emails for two weeks.
The shop my truck was located at contacted Mpi and wanted my truck off their lot. The truck is and
was mine, Mpi had no right to it. Mpi graciously volunteered to tow and store it. The garage does lots
of work for Mpi and I think the whole thing was a set up. In the legislation it states that if the truck
gets disposed of by Mpi, the insured is obligated to take what Mpi has offered, no more negotiations.
I think it was an attempt to get the truck, sell it, and put an end to my claim through legislation. I
informed Mpi it was my truck and they has no interest or right to deal with my truck in anyway. The
nice friendly offer was a wolf in sheepskin. Watch out for any. Nice offer Mpi volunteers, there's
probably a hidden agenda.
The sneaky games they played weren't very good if you've read the legislation. If you haven't
become informed, they'll con you every chance they get.
In a previous claim, an employee of mine had an accident. I had no involvement on the incident. Mpi
out a legal written document infront of me to sign, described in plain language what it said. Except I
can read legal documents with run on sentences like lawyers write and I understand many big legal
terms. What the claims officer told me it meant and what it really meant were two totally different
things. They are all trained to lie and manipulate. She event promoted me commuting a Fellony.
The driver had made a police statement but refused an Mpi statement. The claims officer said the
onus was on me to provide the driver. By this time the employee was gone, we didn't talk at all. I
said I could track him down, but what if I couldn't get him in the truck to go make a statement. Would
I have to fight him, tie him up if I won, and haul him down? She repeated again, it was my
responsibility. I told her that's assault and kidnapping, I can't break those laws. I told her the RCMP
are better suited for that.
What the law reads is the owner of the vehicle has to provide the name of the driver. I told the RCMP
the night of the accident and again when I made my statement to the RCMP. I had told the claims
officer for Mpi when I made my Mpi statement. I had complied with the law and had done my due
diligence. Yet she tried to misquote legislation and misguided my role. Don't trust Mpi. It says in the
Mpi legislation that a Mpi employee can't be held accountable. They can use whatever methods and
not be punished. The system is set up so we have no rights within the Mpi system. Courts which
cost money is our only route that might be fair. Then the judge has to rule according to law, which is
largely in Mpi's favour. |
|
| New guy | May 15, 2014 11:37:06 PM |
| My accident was lucky to have no injuries. It was a stormy night. Snow blown over the road and
couldn't see where the ditches were. Turned a corner and the inside wheels of a tanker hauling
water went into the ditch. If I would have been going faster the trailer probably would have pulled
through. The liquid shifted and pulled the semi over on its side. It went over slowly and was a single
vehicle accident. The next day I had a sore spot from the seat belt latch. Minor bruising was my only
injury. I phone the RCMP reported it two hours after it happened when the semi and trailer were
pulled on their wheels.
It was only property damage. Mpi and I are squabbling over the actual cash value. My issues seem
kinda small after reading posts here and what people have been put through. |
|
| Mary Ann | May 15, 2014 10:05:27 PM |
@ New Guy,
Have you had to appeal any issues? Can you share what your injuries are? |
|
| New guy | May 15, 2014 8:35:46 PM |
| Each time Mpi gives a claimant a document or something in writing, they have something to work
from. They can refute and challenge the basis from which Mpi has based their decision on.
The change in policy was determined through case review, possibly the changing of laws to
accommodate new policies. These reviews were conduct by Mpi, the fairness division, or the
obsmun's These complaint departments that claim to influence change aren't in the claimants
interest. Or they would be able to influence or change a decision that was acquired when policies
weren't being followed.
The laws are being modified continuously and insurers aren't involved, that I know of, in the
revamping of legislation. Through reviewing how cases are handled and the consequences, they
can modify the process to strengthen Mpi's position.
Just look at the government that raised the pst illegally. Maybe taxes needed to be raised, maybe
they didn't. I'm not judging the decision. But they openly and continually broke the law. They did it
cause they could without consequences. That's the same reason Mpi has gotten so strong, nobody
can stop them. And the rules are not being made for a fair playing field. Their taking away rights and
recourses from the insured.
You said you've seen the changes yourself. |
|
| New guy | May 15, 2014 5:55:30 PM |
| When submitting correspondence as proof. Blank out or change the name for the adjuster and
supervisor. This movement is against Mpi, not singling out individual employees. Please keep all
post professional and not aimed at an individual. |
|
| New guy | May 15, 2014 5:50:05 PM |
I've started a Facebook page where hopeful people will start sharing their experiences. They can like
the page and invite their friends. I think this is a good way to get public input. I've also started a poll,
though I need to finish it. I encourage people that have concerns to share their experiences and
thoughts. The ombudsman and fairness division are designed to address issues and you have to
search for results. And Mpi might it might not have policy changes to address the issues. People
don't know how any people actually phone with concerns that aren't addressed it that are dismissed.
I think Facebook is a productive away to get public opinion and interest. Please visit this Facebook
group and share your experiences and concerns. Invite friends and spread the word.
Manitoba citizens against Manitoba public insurance
There is an election in a couple of years. Enough interest might trigger political support and media
attention. Each of us here have fought or are fighting independently. The system is designed to allow
complaints to be limited and fall on deaf ears. People get angry at the claims officers and
supervisors, don't get mad at someone who is supporting themselves and families. Get angry with
the people that set policies and legislation for which governs the employees actions. Employees are
only doing their job as defined by company policies.
Let's unite and speak with one voice. It's the only way to address the real problems we face with
Mpi.
Put together package that accurately describe comparing apples to oranges. Cut and paste
correspondence. There are more of us than are posing here. Let's stand together and demand
change.
Visit and invite friends to Facebook at
Manitoba citizens against Manitoba public insurance |
|
| Mary Ann | May 15, 2014 10:26:22 AM |
MPI didn't side with me re: the computer. MPI doesn't usually consider this
type of equipment. I was told that she can use my computer. My own computer was
purchased specifically for school in which I was taking social services at the
time of her accident.
This is important to know. Doctors can provide third party opinions based on
the information they are given. MPI used to provide the names on the opinions
provided by their Health Care Team. That's been changed and names are no longer
provided (at least to me anyways). Because their Health Care Team never meets
with a claimant in person, this type of process, in my opinion, is a "blind
opinion" and is invalid. No one can ever know what a person's needs are from
documentation. That's why people actually go to a doctor when we need to be
seen. The problem with this is that no one knows except the case manager what
information is given to the Doctor. Their Doctor doesn't know if they have ALL
the information necessary for their opinion. The other issue is that the case
manager highly relies on those "blind opinions" in providing a medical
decision.
I'm not aware of any laws in Canada allowing anyone other than a medical doctor
with a Ph.D. to provide medical decisions as a prescription to medical
treatment.
And yes, I have the whole Chiro issue in writing among other issues.
I know and understand what MPI has done to a severely injured survivor. She
truly is a miracle. I don't know how she survived the cold weather, the
flights, the waiting...I just don't know. |
|
| Mary Ann | May 15, 2014 7:54:38 AM |
In MPI's file (as they have to provide their claimant file to you of all notes
and what they have) I had found the case manager and supervisor notes where
they discussed finding information to submit to IRO on how not to provide the
computer.
I have been very lucky in many ways during this whole thing. I just know that
vulnerable people in a traumatic situation are being taken advantage of. A
person cannot deal with fighting for very little benefits and go through
rehabilitation along with learning the legislation and regulations when case
managers are not providing the information they are supposed to under Section
150.
No one should have to learn to be their own legal advisor and be their own
lawyer. This is what MPI forces on the injured.
I live in Ontario, so I have chosen to keep my daughter where we have always
lived and obtain proper supports and access to programs needed for her rehab.
We have much more here than MB with regards to brain injury. |
|
| New guy | May 15, 2014 1:52:25 AM |
| Doctors will be required to carry heavy insurance. If their are providing medical advise on a whim,
this sounds like a good malpractice suit. Ask a lawyer. It's their responsibility to provide quality
advice. If they don't have all the info, they shouldn't provide an opinion based I their training and
experience.
And under Mpi's umbrella? I don't understand. Is Mpi claiming their the prime contractor and are
accepting full liability for all contractors actions? Do you have this in writing?
Anyway. Got to sleep |
|
| New Guy | May 15, 2014 1:40:53 AM |
| If i was to read into you receiving the denial for the computer along with the legislation giving you the
act and section stating a computer was within the Mpi's responsibility. I'd think the case worker sided
with you and provided you with the proof you needed to obtain it. At the same time being told to
deny you the computer. They performed their task as directed and helped you as well.
Mpi's employees aren't all evil. Their raising and supporting their families. Do you think they have
free rein to spend the corporations money as they see fit. It's an insurance company. Their first
response to save money is to deny. When they are taken to task, their obligated. If you never
challenged, then they would never pay. It can't be made easy. I think the person that gave you that
info did by their own choosing to help you and showed uou what you needed to know to challenge
Mpi. But it was two different messages in the same letter, why else would that happen?
You as your daughters guardian have the right through federal and provincial legislation to obtain
any document in the governments possession with your daughters name on it. I have no idea where
to report it to, to obtain support to get the documents. If a doctor made a diagnosis for your daughter,
her name will be on the file.
I don't know many legalities or how to bring results.
Have you asked a lawyer about a malpractice suit to the doctor that made the diagnosis? Do you
have documentation from th doctor or Mpi to support you statement.
It's all about proof.
In Ontario or in Manitoba for injury claims outside of Autopac. Your have legal and government
support. Mpi is very powerful.
Do you live in mb? |
|
| Mary Ann | May 15, 2014 12:23:54 AM |
@ New Guy,
All sounds good! I feel the same way in that it's hard to imagine future
claimants having to go through the processes. |
|
| Mary Ann | May 15, 2014 12:01:32 AM |
Yes it is all political. Which leads me to my entire issue with MPI. Why are
case managers personally dealing with claimant's personal injuries, medical
health issues, and playing doctor?
I have asked for the case manager's qualifications on numerous occasions and
they will not provide that and state they don't have to. I have asked for the
name of who provided the Health Care opinion (when there is one) and what their
qualifications are and MPI will not provide those either. This is information
that every claimant has the right to have!
My daughter's benefits were suspended when she couldn't sign their form; yet
they knew she was in a coma/vegetative state. She desperately needed splints
for her hands and elbows as they were severely tightened and curled up due to
her injury. When I talked with the case manager at the time, (within the first
month following the accident) I was told to talk to my advocate. They left my
daughter to suffer as they would not even consider funding hand and elbow
splints.
We requested a computer for my daughter for hand dexterity and as a
communication aide and cognitive learning device when she got out of hospital
(after nearly 1.5 years in hospital). MPI came back with a denial (of course)
and attached their legislation stating that they do allow for communication
aides and cognitive learning devices. That made no sense to me. I appealed that
and asked the Internal Review Officer to provide factual evidence stating how a
computer would not assist my daughter with hand dexterity or as a communication
aide and cognitive learning device. It was approved.
This was quite interesting and I have it all documented. My daughter was
receiving chiropractic treatments at one point, and when it was time for her
Chiro to request further treatment, MPI's Chiro opined that she receive some
exercise sessions at home on perhaps an unstable surface such as a gym ball.
The case manager's letter stated that HCS had reviewed the entire medical file
and approved exactly what their Chiro suggested - exercises at home and MPI
would provide funding for a gym ball. Well, guess what? My daughter has balance
issues due to her brain injury and cannot use a gym ball let alone know how and
remember to do in-home exercises safely. I was livid, so I questioned this in
writing and asked what information was provided to the Chiro. I also stated
that MPI and their Chiro would be responsible and accountable for further
injury. Their Chiro stated he did not have all of the information at his
disposal when providing his review. What's important is that the case manager
wrote almost word for word approving what their Dr. opined. Thus, the doctor
provides a "blind opinion" as he did not know what state my daughter was in or
the circumstances surrounding her injury. The case manager used that "blind
opinion" and approved it, putting my daughter at risk for further injury! This
was absolutely useless as my daughter has not been able to use this approval.
MPI doesn't know how to deal with injuries and are not qualified to do so.
This would not go on in Ontario because there are injury lawyers and the tort
system.
I have plenty of examples in writing. MPI shared information with an outside
agency and when I sent a complaint to the Ombudsman, the Ombud gave them a slap
on the hand for not having a signed consent between them and the agency.
However, MPI can do anything when "using" an outside agency because they become
and extension of MPI.
I will admit that I can't have the same views when a person can work for a
gov't corporation that has such a huge reputation of bad faith towards severely
weak and injured people (such as my daughter) and they can go home and sleep.
Yes, they get evenings and weekends off. I have no idea what that's like
because I work 24/7.
Yes, there is a huge problem with their policies and procedures. |
|
| New guy | May 14, 2014 11:52:01 PM |
I thought about my contact info statement today and understood why I don't want to post it. And I
don't want or expect you to post yours, as you have your own reasons. Let's give it a week before
info is exchanged. Most people are shy to make their concerns identifiable to them. I don't have any
shyness, I feel when something is just and true, I don't mind being labeled as the $%!# disturber. I
need to research some before I proceed, after my research, I'll identify myself. If i am actually going
to try to initiate something. It isn't a lobby group that fights within the system for years and is
continuously stalled. It will be outside of the structure that is designed to run in an endless circle for
entirety. I need to research if it's possible. Also the government is Mpi. Their not going to relinquish
control of a billion dollar industry within their control of which they have access to their funds. This is
the main reason the complaints to the government fall on deaf ears. This isn't going to be easy
there's going to be huge stresses and challenges. The machine (government) is going to hit the
rowdies with everything they got on many different levels.
I've seriously thought about just walking away. But the guy that threw in the towel before my dealings
with Mpi didn't help, if I don't try, then the next guy after me will get screwed, and it will go on forever.
If someone doesn't take a stand, then it will never get better for anyone. If the auditor general can't
influence change, then who does it take? The auditors generals report is possibly being ignored.
The monies difference that's being argued over isn't worth a huge fight. It's more the point , Mpi's
manipulation, and they can get away with it when not challenged with a financial burden to the
claimant , which takes time and resources from the claimant. They do it cause they can.
I take the time to read the laws when I'm affected , though I don't understand their full implications.
Few people do that research and don't know what is legal. The Mpi system is set up for Mpi.
So give me a week.
We need to learn who are interest and lobby groups and obtain contact info.
I'll research FB and learn how to use it in the manner needed. If you have a computer savvy friend to
ask. That might help. I know some, but more thoughts the better. |
|
| Mary Ann | May 14, 2014 9:31:41 PM |
@ New Guy,
You've provided some reading here. Let me go through it all. I want to provide
some sort of address for you...have just been leery myself in posting my
personal address on here. I have been very busy, but will provide something to
you asap. |
|
| New guy | May 14, 2014 12:08:52 PM |
Two routes for me since Mpi is no longer responding to any corresponce, is take their reduce
settlement or court. I'm heavily weighing the options, though I have great documentation.
Since Mpi is impenitrable through government routes, I feel frustrated.
This website surfaces near he top in an Mpi search. I don't know th factors that allow this to happen.
I think it is how the owner maintains in search parameters and how many hits it receives.
I assume that the number of people that write letters to government are a small percentage of the
people that are annoyed. The government has chosen to give Mpi absolute power, which I dictates
their support for Mpi. Is there a way to find out how many letters of complaints the government
receives?
The interest groups that I've read about have been unsucessfully lobbying for years.
Maybe there is enough resentment to entertain the thought of a referendum. We've seen a
government change through Facebook. This mpisucks site is only visited by Mpi checking what
people are saying and by people annoyed by Mpi (at least that's my reason). Might be time to unite
all the I dependant lobby groups and people and force a change. We can't really influence legislation
or demand a change independently. the government is content ignoring people regarding Mpi.
Maybe it's time to take the decision making to the voters. Mpi can't be defeated without a
referendum, the government has made Mpi rule maker, judge, and jury within their industry.
Facebook is a great way to get people talking and find out what the general consesious is.
@ marry ann
I'm motivated to intimate something. I can walk away and allow other people to face the same Mpi
challenge as I. Or can take steps to adress the root cause of the problems. My issue is not with the
claim adjuster, supervisor, or fairness division. My issue is with Mpi's policies and ability to control
situations with very little regard for their actions. |
|
| New guy | May 14, 2014 11:35:36 AM |
The seal is broken. Might as well say everything.
I was appalled when I started to research Mpi's rules. I recently read they are not governed by the
civil service act, which would bind them to being honest and a level of integrity. It would not be in
Mpi's financial beat interest for their employees to have to be honest. Better to be dishonest when
dealing with money and claims. Mpi is governed by different legislation rules than the rest of the
insurance industry in Manitoba and can't be investigated by departments that investigate the rest of
the insurers and brokers in Manitoba.
The two provincial government bodies that review Mpi's complaints are the fairness division and
obdsmun. Both state on the web, they have no power to interfere or reverse a decision. They review
and make recommendations for changes.
If I was to complete their statement sentence, I assume the recommendations they put forth are
aimed at changing policies and legislations in Mpi's favour, to make the system stronger against the
claimants.
I tried the route of the fairness division, I was a little suprised at their response, conclusion, and
attempt to get me to move in the same direction as the claims officer and supervisor were promoting.
Since the obsmun's web statement mirrors the fairness's statements, I assume their direction from
their mutual provincial employers, have he same objectives. Since the they two departments have
no power over Mpi, they have been implemented to give the appearance that problems and
situations are being addressed, which in fact their not.
I've read a report about the obsmun's, where Mpi refused to turn over documents in a pivacy act
dispute. Since Mpi refused to provide th documents, there was no proof of wrong doing. Imagine the
common people being able to refuse to hand over documentation during an investigation. We can't
do this cause it's illegal. Mpi and government have changed legislation over time to give Mpi
absolute power within any situation, except the court system. As you've stated, the cost of courts
generally don't warent the legal costs and many people can't afford legal costs, which limits court
challenges. The Mpi systems is brilliantly designed.
The
o rep amens the insurer's two departments to action are not there for the claimant's rights. |
|
| New guy | May 14, 2014 1:07:14 AM |
| There are scammers and honestly injured people. Some scammers are very good, know exactly
what to say and do. The sincerely injured people have no idea how to play the system and the
system plays them. The good scammers know how to beat the system and almost can't be caught,
and they get what they are after, mostly.
Mpi as any insurance company doesn't really care about people or whether you keep your home.
Their concerned about profit margins and minimizing costs.
As much as the case officer or supervisor would like to help people in bad situations. They are
supervised by their superiors. If they don't toe the company line, then they'll be out of a job. They are
trying to stay employed. So their first loyalty is to retain their employment.
I think a person must know how the system is designed to function, before getting angry at the
claims officer or supervisor. Yes, it can be very frustrating. But that's part of the design. Angry people
don't think things through often. If a person gets angry, degrading remarks follow, and this is a good
tool to be used against the claimant. It best to be polite no realize this is hard to do. But if a person
gives into anger, they've already half lost the battle. |
|
| New guy | May 14, 2014 12:51:15 AM |
| Bill c45 came into force in 2003. Companies and personnel are being held accountable for their
actions. Government likes to prosecute and fine industry, their very protective of ther own. If Mpi's
actions of disregarding or making the tie breaking decision is putting people at risk. Then the people
who are allowing that to occur face the penalty, not Mpi. It makes managers and policy writers
personally responsible.
A foreman at maple leaf is barely staying out of jail for not breaking up a fight between two knif
wielding workers. The president of encana was fined a million dollars after a worker was killed on a
rig. It's very serious stuff. Check it out on the internet. |
|
| New guy | May 14, 2014 12:36:47 AM |
@ marry ann,
Three doctors is the magic number. If three doctors agree or close to the same conclusion for injury
and treatment. Their opinions are almost irreversible, but this was in Alberta in a wcb dispute. It
there was a Tie breaking doctors opinion, I don't think it could be easily disputed or dismissed.
Have you ever heard of bill 45? It has been the driving factor for company's safety programs. This
ties corporations actions to the criminal code of canada. So far this law has been focused on private
industry. Though it does include crown bodies in the legislation. I image Mpi has things structured to
try and protect themselves from this legislation. But there is only so much they can do if their actions
directly affect the health and well being of The company can be charged and the managers
personally that are responsible for implementing company policies. If Mpi is playing doctor with
untrained personal, then I think it's right they should be charged. |
|
| New guy | May 13, 2014 8:20:31 AM |
@ Marry Ann
I an lery of posting here at this point. Is there a place I can mail a letter or email to contact you. I
assume this site is required reading by some department within Mpi as a control measure.
I've done very limited research as to the origin of this site. I first suspected Mpi themselves set it up
to know about potential problems. Through limited research, I don't think that's the case.
If they did, they'd have the email adresses of the annoyed clients and first hand knowledge of intent.
Are you comfortable providing me with your contact info or should I get a email adress for private
discussions. |
|
| Mary Ann | May 12, 2014 1:14:11 AM |
I don't know who set this website up; however, there is an administrator that
reviews and monitors this site.
I have done a lot of research and letter writing throughout the past 9 years
plus.
If you want some reading material...go to the Auditor General's report of
January 2012 - interesting stuff. Want further reading material, request MPI's
CD Manual of Claims Procedures (for $25.00; yes they made me pay for this;
however it is more interesting stuff.
I write on here frequently because I have learned so much and I cannot stand
the thought of (it even makes me ill to think) that seriously injured people
are being taken advantage of, bullied, pushed around, and stepped all over by a
provincial gov't. My daughter suffers a severe brain injury and lost her entire
being. At the young age of 19, she wasn't expected to come out of her
vegetative state (of 3 months), but proved the doctors wrong. She is a survivor
and has worked extremely hard in a life that has been altered forever! So, I
will do what it takes to make sure she has a quality of life and is provided
the opportunities to be part of and belong in society.
From what I have learned and/or experienced, in my opinion, MPI has no business
playing doctor with people's health and medical needs and that the case
managers have no right directing anyone's medical rehabilitation.
I have stated this on here before; Does a person go to an accountant to get
medical advice and/or a prescription? Does a person go the doctor to get
financial advice? Where does the case manager fit here? Possibly in the
accounting profession? So, again, go to above paragraph. |
|
| New guy | May 11, 2014 11:14:02 AM |
Mary Ann,
I see you comment frequently on this site.
Are you or do you know the person that set up this website?
Insurance is a game of numbers and laws. Insurance companies like to payout small amounts that
are one time payments and in the lifetime if the insured, the insurer will be financially ahead.
When a long term ongoing claim or costly settlement arises, it's in the insurer's best financial
interests to deny what they can.
The people that have set Mpi's guidelines, policies, and practices. Don't care about the personal
impact, their concern is Mpi's financial well being.
Insurance companies are regulated by federal and provincial laws, many of which I am not aware of,
nor do I understand the legal implications. I previously thought I could involve a government agency
to help mediate a dispute the involved easily proven bad faith practices by Mpi. After trying the fair
practice division, I realized fair practices is a control system of Mpi's. In my opinion, fair practices
wrongfully supported Mpi's position 100%. Fair practice also coached me with the route I should
take, which was the same position Mpi is pushing. Thus fair practices is looking out for their
employer's best interests and not providing an independent review.
This leads me to believe that mpi, which has influenced to development of the legislation, has the
system so well protected, leaving the insured with no route to obtain an I dependant review of Mpi's
actions, which could lead to over turning a wrong doing by Mpi. Not does a provincial government
agency, other than court, have any power over Mpi.
They are the top of the food chain, they are above pulic scrutiny, and don't answer to anyone other
than the courts. This voids many chances of the insurer being held to a level of integrity. Mpi can
function mainly with no concerns for consequences for their actions.
It's written in the Mpi legislation that Mpi employees can't be held accountable for their actions,
which means they can function without consequences for their actions. All other insurance
companies are accountable for their actions and brokers are licences which face implications for
their bad faith practices.
I wonder how a system can legally be developed and implemented that has immunity from the law.
And how can this be constitutionally legal?
I always thought that if it wasn't mpi that people were mad at, it would just be another insurance
company that they would be in conflict with. Except in the land of the private insurance companies,
you could seek assistance from a government agency to have the government enforce legislation.
I'm forming the opinion, in Manitoba that route doesn't exist for Mpi. Thought it does for the rest of
the insurance industry and brokers. The average person nor lawyers have the ability to effectively
influence legislation. I think we are powerless to change it as the Mpi system is so well designed in
Mpi's favour.
I'll quit rambling for now.
I'd like to learn what routes you've tried that adress the lop sided power Mpi has? |
|
| Mary Ann | May 9, 2014 8:19:26 PM |
You're absolutely right. MPI is one part of the provincial government and the
provincial government is one force driving the entire system. All resources
such as Fair Practices, Ombudsman, Appeals, AICAC, are all part of that force.
And, Manitobans have "no choice" but to purchase insurance from their
government.
Unfortunately, most injured people do not have the funds to get legal support
and/or advice.
MPI will only tell you what they want you to hear. And, yes get absolutely
everything in writing.
I have been trying to get it through to people that the case managers do not
have the qualifications to provide medical approvals and/or denials or handle
injuries let alone someone's rehabilitation. Question it. Ask for
qualifications. Ask to meet with their consultants. Get those replies in
writing.
Health Care consultants provide "blind opinions" on documentation from the
medical file. Documentation that is provided by the case manager. No one else
knows what the consultant actually has at their disposal or what part of
the "entire medical file" they are reviewing. Only the case manager knows what
was provided to the consultant in providing their "blind opinion". The injured
are receiving benefits based on "blind opinions". Those professionals never
meet anyone in person. It is not against the law to provide an opinion. And,
the doctors can only provide an opinion because they are not meeting anyone in
person. But the Case Managers have authority to play doctor through providing
an approval and/or denial to medical needs?
I must say, this is a very questionable process. Especially in this day and age
and with respect to those in dire need of medical rehabilitation, equipment,
assistance, and needs in a life that's changed forever. |
|
| New guy | May 6, 2014 12:37:03 AM |
| Mpi is definitely well organized, knows how to mislead people, and give poor advice. I've been lied
to, deniedSleek advice from a lawyer immediately. Don't proceed with Mpi till you've receive legal
advice from a lawyer. I am currently in a settlement negotiation. Mpi is very dishonest, keep all
communications to emails if possible, verbal lacks weight in court. I would strongly recommend a
lawyers advice, if not involvement. Don't believe what an mpi representative tells you. Research it for
your self and ask lots of questions. When they answer a different subject that you asked or avoid the
question, ask again and again till you get an answer.
I lodged a complaint with the fairness division and the fairness division gave me advice that was in
Mpi's favour. Don't trust the fairness division.
Mpi employees are people acting as directed by upper management. Don't get mad at them, there
trying to keep their jobs.
I'll post more shortly |
|
| chanja | April 17, 2014 11:17:17 AM |
| MPI is Satan himself. They don't care about the injured person. The entire
system sucks. They give you a case manager who doesn't help you at all only
looking for information to deny your claim. My case manager tell me lies all
the time. Maybe Nigerian should wipe out their accounts |
|
| Mary Ann | April 13, 2014 8:13:42 PM |
| Who is challenging and lobbying MPI on behalf of those catastrophically
injured? I've been challenging MPI for nearly 10 years. It all started when
they took complete advantage of my daughter and cut her off benefits (for
approx. 7 weeks) while she lay fighting for her life in a coma (for 3 months).
They would not fund the costs for splints when her hands and elbows were held
tight for hours, days, and weeks. We would have to pry her fingers open and her
arms as calcium build-up would leave her permanently in that position. We can't
do anything to change the fact that the accident happened, but MPI purposely
forced my daughter to suffer even further during that time. And, that's only
one thing they did. Fortunately, I have kept everything documented. |
|
| David Leduchowski | April 13, 2014 3:57:53 PM |
I hope to convince voters who dislike MPIC's practices to join the CMMG.
(Coalition of Manitoba Motorcycle Groups). CMMG has been challenging MPIC for 20
years. They are the only lobby group challenging MPI's practices...you do not
need to be a motorcycle owner to join...and it is only $25.00 a year. Numbers
mean everything...If all 680,000 and some registered vehicle owners were CMMG
members, MPI would quickly take notice!
www.cmmg.org/ |
|
| Mary Ann | April 11, 2014 9:27:57 PM |
@ Victim of MPI
Unfortunately there are quite a few things wrong with this. You were a youth
and wouldn't know what benefits you'd be entitled to; you also wouldn't have
been able to understand the complications of your impairments; your parents may
not have fully understood either; however, your doctor should have known and
also should have had a neuro-psychologist involved or at least assess any
issues especially when you started having problems at school. Most teens at
that age can be defiant and sometimes don't care about school, so even the
teachers may not have known these could be signs of impairments due to head
trauma. You need to find out if you still have an open claim at MPI. You need
to get your hospital records and see your doctor and request a cat scan (which
should have been done in hospital and would be ideal) and also get a referral
to see a Neuro-Psychologist. It might be a good idea to get your school records
as well and any information from past employment you weren't able to hold. You
should have gotten your friends to provide a statement at the time it happened.
After 17 years it might be hard to get all of that, but you will have to prove
your impairments are from the accident. Get all your files from MPI regarding
your claim as well. You may have a difficult time now getting the benefits you
needed 17 years ago. I honestly can't see you getting anything from MPI through
court except a huge lawyer bill. You can't sue MPI, but I wish you good luck in
getting some sort of assistance in helping you get on your feet. If not, an
alternative would be to apply to whatever disability funding they have in
Manitoba. It's all government anyways, so whether it's out of MPI's pocket or
another gov't entity, it really doesn't matter, just get the information you
need. Good luck whichever route you choose! |
|
| Victim of MPI | April 9, 2014 10:00:47 PM |
| 1997 was the year of my accident. I was 14 at the time, lived in a small town
just outside of Winnipeg. I was at the local gas bar with a couple friends. This
guy who was 16-17 years of age pulled up, I sat on the hood of his car talking
to friends. I didn't notice him get back into his car (neither did I know he was
drunk) as I was talking to friends. He floored it my pant leg and ankle got
caught in the wheel well and was dragged with my head bouncing off the concrete
for several yards until my pant leg came unattached. I suffered Head Trauma
concussion and loss of consiousness. I was in the Hospital about 3 days and dont
even remember being there only driving home asking my mom where I was. I found I
had serious speech, concentration and and memory problems, which I still have to
date. MPI paid me an impairment for scares and broken teeth I had. 3 months
after not being able to comprehend school I found i got kicked out. I moved to
Calgary to try and regain my high school still with no luck. I couldn't grasp or
even understand what teachers where trying to get across and dropped out to try
and obtain employment. 17 years of age I got a job and had a girl friend. I had
problems with my teeth breaking off still and needed treatment. MPI denied any
treatment while I was in Calgary, as well as no treatment or follow up at all
with head trauma in Winnipeg or Calgary. My only option was to come back to
Winnipeg to gain access to Dental Care which is all MPI has done for me. I had
to give up my life completely in Calgary and come back to Winnipeg which I didnt
even have a choice of. All in all my life has been $%!# ed up and have not been
given a chance at life as my normality was taken away from me, when I talk to
MPI they have told me "to just deal with it". I am now and have been pretty much
homeless,haven't and refuse to go to Welfare system. I just cant believe that
because I was 14 they didnt have to ask for a doctor to check my brain to make
sure it was ok and that i was just a normal kid. My whole life has been
shattered as this accident keeps appearing as now MPI thinks braces with fix my
teeth and tmj problem 17 years after the fact..
Is it worth my time in Court??? |
|
| DUI Victim | April 8, 2014 9:05:13 PM |
| I was in a collision recently where a drunk driver hit the vehicle I was driving.
As a result, I have a broken hand, and the other passengers have minor cuts and
bruising. As this has never happened to me before, I am looking for some advice
as to what next steps should be taken. In my own mind, I know what I need to do,
just would like some pointers/tips as to what helps and what doesn't help in my
claim. Do I settle with what the adjuster gives me or do I seek a lawyer. |
|
| Mary Ann | March 26, 2014 1:39:06 PM |
| Thanks Wayne. I was tempted to inquire about that myself. I have to think that
the lawyers in Manitoba are hesitant in going up against the province as they
are residents as well paying for their driver's license and rates. I have to
think that the Ombudsman and/or Auditor General have a better stance; yet we
know all too well the Ombudsman are useless. |
|
| Wayne | March 26, 2014 1:22:43 PM |
| Just talked to Mr. Rosenbaum and he said he is not leading a class action
against MPI. Maybe people should get their stories straight or quit spreading
misinformation on here. |
|
| OMG | March 25, 2014 11:10:52 AM |
| @ Oncebitten...sounds like you lent your vehicle to the wrong people; maybe
they'll help pitch in and pay for the damage. There's no meat to your story,
but good luck with that one. |
|
| OnceBitten | March 25, 2014 10:08:17 AM |
| Currently filing a claim for minor ($3,500) vehicle damage. MPI is threatening
to deny the claim due to us not being able to produce the driver. (We were
away, several people driving the vehicle with our permission - no one seems to
know how/when/by whom the damage occurred). MPIs own estimator has commented to
me when inspecting the vehicle that it's reasonable the damage could have
occurred without a driver noticing AND that it's not completely certain that it
happened when the vehicle was in motion - ie. that it might be a hit-and-run.
Does anyone have any experience and/or advice in dealing with MPI trying to use
this sort of justification to deny a claim? |
|
| wayne | March 24, 2014 8:49:28 PM |
| I would say if the case is before the courts and "we aren't allowed" to talk
about it, then it is too late to get involved. Good advertising by this lawyer
as so many of us never heard a fooking word about it. Can't wait to leave this
Nazi province |
|
| rob | March 20, 2014 2:01:41 PM |
| THE MOST UNORGANIZED OUTFITT I EVER HAD TO DEAL WITH case worker and customer
service skills suck big time they say they will get back to you but never do
whatever right nobody cares |
|
| L | March 19, 2014 10:41:41 PM |
| Be ware if you have to go to united therapy these pricks lie when they sumit to auto PAC so they
keep getting there work,, even if your hurting no matter what they will state you can go back to work,
it's there business to screw you to better to fill there bulchit service, there chiropractor is a piece of
chit who lies along with what they call our team !they don't tell the facts and don't care! this is
criminal! and I'm going to let you know down the road, media will be brought in state tune" mpi can
eat chit but they are in bed with 3rd party doctors , true!!!!!!help to a stop to this by voicing your chit
you are receiving from all of them! Stay strong! |
|
| Mary Ann | March 19, 2014 9:34:19 PM |
| Len,
Review the note below yours and give Norm Rosenbaum a call. It won't hurt to
call...as far as I know, most lawyers will provide a 30 minute free
consultation. |
|
| Len | March 19, 2014 3:25:18 PM |
| I had a motor accident in May. 2013 6 months later I went to strive therapy (united) therapy and
after 8 weeks of therapy which autopac sent me there and did what I could, I had 5craked ribs tourn
akiilis two torn rotor cups and a wrist which is numb andtheysaid I was able to go back to work,!
Because autopac pays them! And my replacement income was stopped, my doctor is sending me to
an orthopediic surgeon which wherein the waiting for and autopa c states because of what there
report they received fr united therapy on waverly that I was able to return to work ! The second last
week that I was there I was scared as I got imobolize with my acing Truma of injuries! Doctor took
me out for the remainder of that week and went the following week which was my last week there
and united lied because there in bed with mpi,They knew how sore I needwas and STILL to mpi I
could still work ,!this is such a corupt system, they don't give a dam, and @now I am to see a third
party who works for mpi! Need help with this anyone who has legal advise please, |
|
| Mr. Tim Henderson | March 18, 2014 10:21:25 AM |
Lawyer: Norman S. Rosenbaum in Winnipeg, on Broadway Ave. He is currently taking
MPI to court on a class action suit.
Due to the case being before the courts no disclosure whatsoever.
I hope this helps at least one person. |
|
| Jacob | March 13, 2014 11:46:19 AM |
| Yeah I did they did find him and I'm not at fault it's not going on my license and I don't even have to
pay my decuctable |
|
| MB BC | March 6, 2014 10:24:03 PM |
| Trevor Thomspon is an $%!# ! MPI is bull $%!# |
|
| rolo | March 3, 2014 8:05:16 PM |
| @Jacob if you rolled into the ditch I assume police and other emergency people
attended the seen? Did the police find the person after or..? |
|
| pam | March 3, 2014 6:37:45 PM |
| I got a couple of speeding, I'm not denying that fact. Yes I did it, I will pay the fine, not an issue. However,
MPI also suspended my license. My issue is that I get suspended for 2 speeding tickets, yet a person with 5
speeding tickets, 1 DUI and 3 accidents gets to keep driving? On second though, maybe I'll just forfeit and
not drive at all since it seems like MPI only wants to keep the worst drivers on the road. |
|
| X | March 2, 2014 12:49:52 AM |
Case Magers-- you already work for a victim molesting corporation, so must you go about your job
with an extra attached viciousness? Can't you at leat smile while you insult me, threaten me, and
carry out your bs legislation!
MPIC-- there is fault. There is no justice for that. I feel violated for having my right to obtain legal
justice against an individual who has inflicted on to me bodily injury. Was I really hit in Canada! |
|
| Tengo | February 27, 2014 10:21:22 AM |
MPI is the most corrupt institution in Manitoba, Filled with unfairness and
discrimination. especially from those road examiners. How can examiners say he
didn't hear the signal on and he see you check when he cover his eyes shades
busy pressing phone. The worst part is that so called supervisor will tell you
bluntly you can't prove it.
Government has to take action this is a rip-off.
Has anyone notice that 80 is always their favorite point. |
|
| Tengo | February 25, 2014 1:32:18 PM |
| Honestly reading all that you guys wrote, it is painful and hard to bear. It is
obvious that corruption is hat MB has embark especially in MPI. some of the
testers are even too young to be in that position. if that they are base on
Commission, that proves why they quickly tell you to re-book once they fail you
without reason. My experience with a test at Main street shows they purposely
fail you without good reason. even when i challenge him he couldn't defend his
marks. I think the best way to get the attention of government and other people
is to make this complains to human right organization so that mpi will have
complain department about testers. |
|
| Jacob | February 18, 2014 5:37:59 PM |
| I was in a rollover on the highway because some drunk person was walking in all black in the middle
of the road at night now I might be at fault why is this when I risked my own life to save someone's
who probably didn't care about his since he was walking around drunk can I get a lawyer or
something to help me out ? |
|
| Dave | February 18, 2014 11:54:15 AM |
| Can anyone recommend some better auto bodies who will do repairs suffered in an accident without
going through MPI? This is the first time I've had to deal with something like this. Thank you. |
|
| Mary Ann | February 17, 2014 3:33:39 PM |
I wasn't meaning to be rude. In Ontario you'd get your bumper changed no
problem; after your deductible. I don't think you'll have much luck with MPI;
however, I've only dealt with MPI for 9 years on my daughter's behalf through
her fight for survival to severe catastrophic injuries whose life has been
changed forever due to an MVA.
A bumper issue seemed kind of petty compared to what I've had to fight for. |
|
| Toban610 | February 17, 2014 10:50:35 AM |
| No need to be so rude Mary Ann I know where and how to replace a bumper!!Just
wanted to know where MPI stands on cases like this. |
|
| Mary Ann | February 16, 2014 10:48:12 PM |
There's a few things you can do.
1. Don't back into snow banks if you like your car!!
2. Go buy a new bumper.
3. Go to the wreckers and find a new bumper.
It's really not that hard to figure out! |
|
| Toban610 | February 16, 2014 9:14:50 PM |
| Backed into a snow bank the other day and my bumper on my almost new car is
cracked. How does MPI deal with claims like this and what else can I do ? |
|
| Mary Ann | January 29, 2014 12:02:38 AM |
There's one critical aspect that I feel people miss.
MPI adjusters or case managers do not have the medical qualifications to
provide health and medical decisions related to medical needs and/or care.
They are business graduates or equivalent; people who work with numbers. That,
my friends, is something that should be protested at Swan's office at the
legislative and parliament building.
If they had medical qualifications, first of all, they wouldn't be working for
MPI, and secondly, they would offer their qualifications and/or curricular
vitae for a claimant's perusal when requested. |
|
| MPI ( Mb. Pathetic Ins.) | January 28, 2014 7:02:22 PM |
| Its unfortunate not enough people complain or take a stand against this
dictatorship called MPIC. I won't bother going into my nightmare of a story that
lasted 3 years. I couldn't afford to pay a lawyer what it would take to fight
them and they have a slew of lawyers chomping at the bit to fight for them with
our taxpaying dollars. My case was turned over to their "special investigations"
unit because I caught them and even had some of their employees admit I had been
lied to and falsely accused of trying to de-fraud them in order to cover up
their own mistakes. I was reported to the police by them twice for harassment.
Both times the police told them I had every right demand answers from their
upper managment, and that I had done nothing illegal whatsoever. MPIC assigned
me one contact that I was allowed to speak to and no one else. Her job was to
get rid of me and prevent MPIC from recieving bad publicity and/or brought to
court. However after the police telling me of their own bad dealings with MPIC,
they advised me to walk away from the situation because I would end up ruining
my own quality of life fighting them, and if I persisted in trying to get
justice they would eventually refuse myself from obtaining insurance for my
vehicles without any recourse. This is the most disgusting, pathetic corporation
in Mb, and are also in bed with the provincial government. I feel for anyone who
has to experience anything like I did with these sorry excuses for "
professionals " I wish car window decals were available for MPISucks on this
site. May have to make my own and hopefully direct more people to this website. |
|
| Mary Ann | January 21, 2014 11:34:59 PM |
You have got to be kidding me. My daughter was a passenger in a vehicle on the
TransCanada when a young driver crossed the line and hit the van she was in
causing her to fight for her life, left in a coma for 3 months and in hospital
for nearly 18 months and now has to find a way to live a different life due to
a brain injury and....
"Someone" asks if autopac will cover lost wages for a slip and fall in their
own driveway? How does that have anything to do with auto insurance?
Check your home insurance; maybe you can sue yourself for liability in not
clearing your own driveway. |
|
| wayne | January 21, 2014 11:20:41 PM |
| Hunter, u should consider yourself lucky as in Manitoba, older drivers with no
accidents pay most of your insurance. In a private system u would be charged a
lot more, as it is a proven fact that younger drivers cause more accidents. That
is why everyones insurance here costs so much.
As to dealing with the manitoba courts I could not agree more. We went through
a similar situation. I am getting the heck out of this province before I am
disabled in an accident, and left on welfare. This provincial government sucks
ass |
|
| Someone | January 21, 2014 4:30:02 PM |
| Hi there, my hubby slipped in our driverway and broke his leg going to work he didn't even get the
chance to get in his car, just wondering if autopac would cover his wages?? cause now he's off work
for a few months. |
|
| mpi thieves | January 18, 2014 7:38:45 PM |
| MPI is trying to rip off my dad by lowballing the amount they are willing to give
him for his camper van that's getting written off. It's already been 3 months
since the accident (100% the other drivers fault) and talking to the team of
adjusters is like talking to a wall. It's kind of a rare vehicle so it's
difficult to find one exactly like it. I have found a lot of similar ones by
searching kijiji and craigslist across Canada. They keep on comparing apples to
oranges and won't give us a straight answer on how they determined their low
bull $%!# offer. The vehicles I have found online were much more expensive than
what my dad was asking for yet somehow they still offered him about 30% less than
what he was asking and about 50% less than something comparable online. WTF!?!?
What do we do? MPI said that they won't go any higher. Any help would be
appreciated. |
|
| hunter | January 17, 2014 5:08:05 PM |
| Today i went to go buy autopac at there location on main street in winnipeg
manitoba and robbed of my money for not knowing that i had to be there yesterday
or else i would be charged an extra 50$. For a young student on a college budget
this is a lot. I am now depressed and more broke then I was suppose to be. |
|
| 30 year custmer of mpi | January 13, 2014 11:29:07 PM |
| what has got in to mpi that they thing they are god.mpi purplisy comidied fraud
to have a charge stick against me.i was the victom and they turned me out to be
the bad guy.what they put me and my family though I would not wish on
anyone.they own the judges in court and they called 4 witiness that I bought to
court liers. a manatoba concervation officer,abylaw officer,a councler from the
municipality,and a friend of mine.the judge called them all liers.so if they
lied why did the judgr not charge theme with pergerry.the judgr in this casa
was ovisly told that this charge had to stick no mader what.this judge should
be kick off the bench.the courts are as cruped as they come.I only wish I could
go back in time because I would have let the news media in on this right from
the start. that would be my advise to anyone if you are innocent and have no
money for lauere. imbarise the $%!# out of the basterds,put them out there. |
|
| Tk Thomson | January 6, 2014 2:41:06 PM |
| Ellery Strell is a Manitoba lawyer that deals with Mpi Bodily injuries . We have
had him on retainer for 11 years with some success, but still a long road ahead.
He can be found in the yellow pages or through the manitoba bar association's
phone in referral line. |
|
| Mary Ann | January 5, 2014 12:43:36 AM |
I don't live in Manitoba, so I'm not sure of a good lawyer there.
I don't want to discourage you at all. A good lawyer will be very expensive for
the pocket, but if you find one, you should ask lots of questions like; What is
their experience (a good lawyer will offer you their Curriculum Vitae, yet MPI
will not); Have they ever won any cases and/or issues with MPI; How will they
work for you; How much time is involved (because there is usually a lot of
things to cover); What will it cost; Will they work on contingency (if you
lose, they lose or will they charge you anyways)?
Good Luck! |
|
| Jaur | January 3, 2014 11:29:49 PM |
Hello ,
I am wondering if anyone knows a paralegal or a lawyer who deals with MPI cases ? This is urgent , Thank
You . |
|
| Jodi | January 2, 2014 2:35:42 PM |
| Thanks for the info Mary Ann. It helped me figure some things out. |
|
| Mary Ann | January 1, 2014 9:38:03 PM |
| Also Jodi, I'm not sure what yours or your family member's situation is, but I
don't let MPI take care of any finances in regards to personal care. They don't
need to; I do that. So, if your family member can manage that, then I would
suggest they do. But, again, it all depends on the situation and circumstances
and/or the severity of the injuries and how long they will require personal
care. |
|
| Mary Ann | January 1, 2014 9:28:52 PM |
MPI's personal care amount is no where what may be needed to provide care in a
month.
Eg. My daughter will always require 24/7 care and if she were to pay an agency
or even hire a person at a reasonable rate it would only last her about 10 - 14
days of care in a month. Anything over and above comes out of the claimant's
income replacement and then the claimant ends up not having enough to live on.
I raised my daughter once and due to catastrophic injuries I am now providing
24/7 care and have to take care of absolutely everything in and around my
daughter's life.
So really it's up to you or your family member (the claimant) on what they can
afford to pay you.
Also, the personal care benefit is paid based on the tasks performed. So, that
all depends on what the claimant's needs are. This is in the legislation under
the personal care part. I had to check off a form daily from 2006 - 2012.
I know it's not what people want to hear or know how their gov't insurance
works, but that's the way it is.
I hope that helps. |
|
| Jodi | January 1, 2014 8:42:19 PM |
| Just wondering if anyone out there knows what all can be charged to personal care. I've had to look
after a family member due to an accident and the amount of hours mpi alloted to the personal care is
no where close to what it took to take care of them. Mpi just keeps saying as long as we don't go
over the maximum amount then it's fine. I don't understand when they are paying out minimum wage
for a few hours a day how the amount paid out would even come close to the maximum payment per
month. Does anyone know what I can do or invoice them for to get paid out an amount closer to the
maximum monthly payout since I'm just a relative looking after them and not a registered business
charging an hourly rate? |
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