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| T | December 30, 2015 9:16:45 PM | | At age 81 Howard Pawley Premier of Mb. The man who brought the good people of
Manitoba MPIC has passed away.
I remember attending a rally at the Mb Leg when ol' Howard said he was going
forward with Public Ins, he was home at 405 Broadway that we knew but despite
hours and hours of protest ol' Howard lived up to his chanted nic-name, "Howard-
the-Coward" and never had the guts to come out and speak to us!
In the end it was an independent seat plus a sterling lyon PC vote that passed
it into law as the NDP never had a majority government at the time, so everyone
in this province has someone to blame I guess . . . |
| | Mary Ann | December 27, 2015 8:05:06 PM | I only got to the first page of that and noticed the Plaintiff represented themselves and MPI had their
own representative and legal counsel Mr. Trevor Brown.
Unfair right off the bat!! No one can represent themselves at Court against MPI, nor should they have
to. MPI, as a gov't army, takes complete advantage of the weak and injured.
First of all, the first key evidence that I would obtain when going to an AICAC Appeal or court, would
be to demand the qualifications of the case manager.
I wouldn't go to an Appeal without proper professional representation and legal counsel. However, I
know exactly the questions I would ask to the witnesses, which would include the Health Care
Consultants, the Case Manager, the claimant's medical rehab team. I love the evidence I have from
the work, research, and investigation I've done on my daughter's behalf which includes two of MPI's
consultants stating clear evidence that the process doesn't work. It also shows clearly that the Case
Manager doesn't know how to decipher what the consultant's opinion dictates; which comes back to
the case manager's qualifications.
It's actually pretty simple! I don't think anyone will get anywhere on some of the treatment from MPI,
but when it comes to qualifications in the medical field; professionals with Ph.D.'s vs a Case
Manager; it's not that hard to figure out. |
| | Ralph | December 26, 2015 11:53:30 PM | | They have another thing coming to them . David will take Goliath down and feed their eyes to the
birds in the sky. |
| | Ralph | December 26, 2015 11:50:15 PM | | Gee talk about being above the law . That is direct violation of your rights under the Charter of rights
and Freedom . Apparently it doesn't apply to crown corporations . They are basically saying your not
allowed to sue them. |
| | T | December 26, 2015 7:24:23 PM | Thanks for the info, I will ask for it from her supervisor instead.
I was surfing around the courts and may have found one case Ralph should be
interested in.
http://www.manitobacourts.mb.ca/site/assets/files/1042/wong_v_mpic_2015_mbqb_173.pdf
It's just sick how MPI has made themselves so untouchable . . . |
| | MaryAnn | December 24, 2015 6:57:40 AM | Hi T,
Yes, you can request your entire file, memos between depts, copies of written notes on file folders,
etc. Whether you actually get those, you'll never know.
You can also request the OT's notes, assessments, and/or reports. Request an explanation for the
(3) and (9). If assessments were done, were they done by the same OT or a different one. If there
were two different OT reports, request those. AND, if they are hiding the name of the OT, then they
are withholding information that you have every right to have.
Ask for a copy of the contract between the OT and MPI. The OT has an obligation to the client first
and foremost, not MPI.
Get everything in writing. |
| | T | December 23, 2015 4:26:04 PM | | Merry Christmas
I met with my new C.M. who wants to be my friend and I asked for support
shoveling snow, and I was told I'd already passed the "(9)" with them and sent
an O.T. to my house and snooped around.
I get a rejection letter saying now I'm a "(3)", hmmm.
I'd like to fight this, and I was looking back on the blog as I thought I'd
seen someone post I can request my file PLUS all the C.M. notes!?
I have gotten my file before but never requested the C.M. notes. Is this
something they will do without a big fight!?
Thanks for any info, and I pray every poor soul that has to fight this awful
system has a better 2016 . . . |
| | T | December 16, 2015 9:38:02 AM | | MB Driver
Welcome to MPIs long term screwed up process.
Last year I get my licence renewal in the mail, & am informed I've lost 5
merits due to my at fault accident the last year. I have max merits and haven't
had an accident of any kind for years so I HAVE to go to MPI Wpg Donald St
office who told me it was from 2007. This being 2013 I was confused as I
explained I'd been thru all the punishments imposed years ago, but still I had
to call all over MPIs system of complex departments until finally an upper
Management person said she has seen them go back 10 years & imposed demerits!
I said fine I want to sue the other driver in court as is my right under "the
act", but oohh no she says the statute of limitations is long over! So I said
then I'll be seeing MPI in court for this then! She asked me to wait and called
back stating she's reversed the demerits and I should feel very luck for her
kindness! HA! MPI is lucky I said! What a peanut gallery MPI is! |
| | Manitoba driver. | December 15, 2015 7:39:41 PM | First a short story followed by a question.
Got pulled over last year for not paying insurance. Not smart on my behalf anyway car got towed the
whole 9 yards. Payed up, payed out. All good right... Noope! 9 months later I get a statement in the
mail saying I get -12 demarets.. Darn ok I was told nothing of this, until this point I can deal I've
never been in an accident or even a parking ticket, +6 to -6...And then I get a bill from mpi for a
"license re assessment" whatever that may be for 400$... 9 months after my first ever violation. I
realize I'm at fault but why the long period of nothing? And why are they gonna bill me all of a
sudden and try to take my license? It's very unjustified! Clean driving record to bull $%!# and back
again. Sorry I decided to eat while I'm in school... Anyone had something of this sort happen?
upset Manitoban. |
| | Carlyn | December 9, 2015 6:55:05 AM | | What would your legal arguments be in the class action, Ralph? |
| | Ralph | December 7, 2015 9:17:19 AM | | I agree on how some people drive is an accident waiting to happen. See it everyday. Hard to change
human nature until something happens directly to that person.
I believe the only way to change this no fault insurance scam is through a class action law suit
otherwise if you think you can do it by sitting down and talking to these arrogant self appeasing
a.s.s.e.s well your just fooling yourself . |
| | Carlyn | December 5, 2015 9:40:47 AM | Aside from the lack of proper personal injury protection and appropriate
recovery support, there are other undesirable consequences of the current
insurance/policing an enforcement system.
Many drivers seem to see driving as a right, rather than a responsibility.
They drive without proper care or attention, and have little fear of
consequences. There's too little enforcement of safe driving practices and
protecting general public well-being, and too much focus on money coming in
vs going out: Speed traps in new reduced speed school zones (major money
makers), where there is little evidence that those reduced speed zones
actually result in better public safety. Ignoring the issues that have been
proven to cause injury and loss - distracted/reckless driving, cell phone
use, pedestrians and cyclists who ignore the rules of safe roadway use....
the list goes on.
I drive in the city. A lot. For every 20ish responsible drivers I see, I see
at least one who ignores road rules, and/or takes unnecessary risks. That
one driver, when they are injured or cause injury (not if, when...), will
cost the insurer a whole lot of money. The cost of insurance isn't just
about vehicles. It's about the human cost of injury (and related expenses)
too.
Three examples I see daily:
1) It's illegal to use handheld electronic devices while operating a motor
vehicle. Yet DAILY I see people either texting or talking on their phones
while driving. Yes, the rules still apply when you're at a stop light, or in
bumper to bumper traffic. PULL over if you really need to make a call or
send a text message.
2) STOP means STOP. Not Slightly Tap on Pedal. Watch what happens at most
STOP signs (and many red-light right turns) in the city. Most people do not
come to complete stop. Yes, it's more expedient. However, it's illegal.
3) Green arrow priority left turn light turns yellow, then to solid green.
Drivers keep turning left, rather than yielding to oncoming traffic.
4) Drivers tailgate, weave through traffic with foot heavy on the gas, and
cut in without leaving safe distance between themselves and other vehicles.
(I often catch up to those drivers at the next light, or pass them in
another lane later in the drive. This risky behavior gains them nothing, and
puts others at risk.)
Let's focus on the basics, and get this system working from the ground up.
Wait... that seems almost impossible now, without a complete rewrite, and
reworking the relationship between policing and insurance. So what's the
answer? I'm not sure. But I strongly feel that it needs to start with
focusing on the goal of keeping people safe, and accountable for their
choices. And taking care of those who are injured, through no fault of their
own. Make the proven risky drivers bear heavier consequences. Not because
it's an income grab, but to keep them aware that their choices have
consequences.
Private insurers are eager to get into auto insurance in MB. They know that
much of what MPI/provincial government advertise as the benefits of no fault
is not accurate. In other provinces with competition, people fare better.
Would our rates be better? Perhaps not. But we would have the right to
choose insurance that better fits our needs, rather than being forced to
accept this poorly constructed, inadequate "no fault" system. |
| | Carlyn | December 5, 2015 9:33:32 AM | T - The referendum clause for MPI privatization is similar to the PST hike
referendum clause. A public referendum is legally necessary before ousting
MPI and bringing in private insurance. It was also supposed to be necessary
before a PST hike.
The NDP majority government got around that one by making a new law that
said they didn't need to hold a referendum to hike the PST temporarily. That
choice, combined with the 5 high-profile cabinet ministers who publicly
revolted against Sellinger, could be the topplers for this NDP stronghold
province next election.
A majority government could theoretically use a similar legal loophole for
MPI privatization, but it's highly unlikely they would. MPI is a cash cow
for the government, and it's not in their best (financial) interests to
privatize it. The minister responsible for MPI has historically demonstrated
little interest in correcting the major flaws of this system. Complainants
are usually given a "we'll look into it" or "can't comment on the specifics
of your case, but here's why we feel we're doing it right" response, and
little changes for the average person.
Would a different provincial party make a difference in this MPI battle?
Hard to say. |
| | MaryAnn | December 5, 2015 8:04:37 AM | Yes Ralph.
Manitoba would have to oust the NDP, which they've had forever it seems, but also find someone to
run that's up for the challenge. Most Manitobans believe they have the best insurance with the best
rates, because they know nothing else!
Words for thought;
Unfortunately, most Manitobans, including the gov't, do not know or understand the realities of MPIC.
I told Swan that too. They say and believe, "Manitobans can have peace of mind knowing they'll be
covered". Ya, covered in dirt. That's exactly where I say, "people are forced to have blind faith in a
gov't corporation that has a reputation of bad faith".
The bottom line is, a person has to have insurance to drive. People with private insurance have the
FREEDOM TO CHOOSE an insurer and/or look for better rates - COMPETITION. No matter who you
choose, in a MVC, with injuries, you then CHOOSE a lawyer to represent you. (You would never have
a case manager (the devil's advocate) working for, representing, and biased to, the insurer, looking
after your rehab and recovery). That puts the injured in a position to be fully taken advantage of,
don't you think? Injury lawyers work on contingency, so you don't have to pay up front.
With MPIC, you are FORCED to TRUST your provincial gov't to look after you. Communism,
socialism, totalitarianism. |
| | Ralph | December 4, 2015 8:06:58 PM | | I know they would fight tooth and nail to keep their cash cow but when the people are in numbers
they have no choice but to adhere . The Albertans are already pissed off with their NDP government
and are looking into ways of calling for a new election. |
| | MaryAnn | December 4, 2015 6:44:38 AM | T,
I'm not sure what you mean about the PST. This is from the Legislated Act and Regulations of MPIC.
Each provincial gov't corporation and/or entity of the provincial gov't has their own Legislation. This
is what protects them. However, there are many holes and grey areas.
All in all, in my opinion, NO insurance belongs in the hands of the gov't. |
| | T | December 3, 2015 12:34:18 PM | | Isn't that part of the act similar to no PST hike without referendum!?
Seems to be a double standard within the Manitoban Government! |
| | MaryAnn | December 1, 2015 2:21:42 PM | Ralph,
Sorry, it took a little longer. A busy life!
I found it in the main part of the Act. I purchased a hard copy in 2008. It's so much easier to go
through and flip through, back and forth.
Chapter P215, Part 1, Section 14.1(1) No privatization without referendum. You should be able to look
this up on the website as well by using the Section number. |
| | MaryAnn | November 28, 2015 7:02:13 AM | I think it's in the main part of the Act. I have an older hard copy of the Act (that I purchased) from
2008, I think. I will take a look in my binder and confirm that up for you later today.
Ralph, I do know one thing. Major claims will never be settled in 2 years. At least here in Ontario, it
just can't happen because I now understand that all of the information has to be gathered by the
lawyer. Our case is very complex and the recovery is forever. A claimant has up to 2 years just for the
statement of claim to be submitted. And, that's the claim for liability, tort (losses), etc. It really does
take a long time to get the information needed for the lawyer to state their case, dotting all i's and
crossing all t's, and they take all aspects of life and losses into account such as; spouses,
dependants, family members, age, education, experience, qualifications, employment, etc. So,
everything, along with the entire medical file, along with reports from the treatment team and family
will be provided and looked at and submitted in the statement of claim.
This is why we have a No Fault process that allows access to immediate funding for recovery and
rehab up front. I think they call it this because at the time of the accident, it doesn't matter who's
fault it is, there is access to funding immediately, and I think most of the time a person would go
under their own insurer up front. It all depends on the situation and access to insurance. This allows
the person access to funding while the case is being prepared for court for the liability portion. The
lawyer also has to assist with this, as no insurer wants to pay. BUT, we have access to professional
advocacy and representation while a person is in recovery and receiving rehabilitation. In my
daughter's case, she did not have insurance of her own (she was a passenger in a Manitoba vehicle).
In Manitoba, and I've stated this to Swan, that in the event of an MVC, the injured are forced into
having "blind faith" in a bureaucratic system that has a reputation of "bad faith". I also stated that he
can sit in denial for as long as he wants, but I have an entire file of documentation.
We've had legal assistance also, since the end of 2004, and changed to another after about 10
months into the claim. A very professional and wise gentleman who supported and guided my
advocacy for my daughter. I learned a lot!! I did not have to deal with the Ontario side of things at
all; he looked after that while I kept busy battling MPIC.
The bureaucracy within MPI is absolutely absurd and disgusting. And, to put the weak and injured
through that; I have no words to describe the ludicrous nature of this.
I've provided points for you Ralph, in these posts if you want to use some of it or mention it to your
lawyer if you want. Please make it a point to use the qualifications of case managers making medical
decisions. In Canada, no one can provide medical prescriptions (which I refer them to) without a
Ph.D. in the medical field. They DO NOT have authority to go along with an invalid "blind opinion" of
a consultant in providing medical treatment, and they DO NOT have the authority to deny medically
required treatment based on a "blind opinion". Please think about it! They CANNOT do this! It is at
least 1 major issue that can put them in the corner. The entire process of approvals and denials is
invalid!
I also have proof that no one knows what information is provided to the consultant in providing their
review/opinion. When challenging them, their consultant stated he did not have all the medical file at
his disposal. Yet, MPI told me (in their decision letter) the entire file had been reviewed. And, keep in
mind, that the consultant only provides an opinion. A "blind opinion" at that, because they don't
assess anyone in person. It's only an opinion. This should not be used, especially word for word by
the case manager, for medically required treatment that has been requested by a treating physician
and/or therapist. IT'S INSANE!!
I have proof that MPI was forcing professionals to work under Section 150 of the Act as an external
case manager, more than once. They cannot force any Registered Professional to go above their own
Code of Ethics and Field or College of Profession. |
| | Ralph | November 27, 2015 10:26:16 PM | | How do I get a hold of that information of section 11?
I of had a lawyer represent me since 2003. If it wasn't for real lawyers MPI would of gotten away with
screwing me over severely . Very simple get rid of no fault and make it law that the claim is settled
within two years so people can move on with there life. What they have now is nothing short of
mental torture. |
| | MaryAnn | November 27, 2015 7:09:34 PM | That's exactly why a lawyer is needed. To protect your rights! And make sure you receive what you
are entitled to.
I think Mr. Eddie is wrong. I don't believe that to be true. However, he's another Manitoba gov't
employee that is programmed. In Ontario, we have what they call No Fault, and it's nowhere near like
the public system. I'm pretty sure our No Fault means that In the event of an auto collision with
someone else, a person goes through their own insurance up front for immediate expenses, such as
vehicle replacement, wage loss, rehab, housekeeping, and personal care. This is so the injured
doesn't have to wait for the claim to go to court (which can be up to 10 years in some cases). Once
the claim goes to court, everything is ironed out and a settlement takes place and the file is closed.
Never to deal with the insurer again.
I also think that Manitobans are owed a provincial tax credit for their contributions to the province
through rates. When $$ are paid out to a public and provincially gov't-run crown corporation who
uses the $$ within the province for various things, such as road and bridge infrastructure, your rates
are a tax!!
Gov't doesn't seem to acknowledge "reality". What system could take advantage of the weak and
injured?...leave them without proper advocacy and representation to accessing benefits to getting
rehab and funding...cut them off benefits when they're down and out...force them to pay for their own
rehab and force them into debt,...etc.
There's information in the Act that talks about getting rid of MPI. Just a guess, but I think page 11??
It's near the beginning, |
| | Ralph | November 27, 2015 10:40:08 AM | | I am not looking to change legislation I am going to crush MPI and the people that run it. This
government knows exactly what this crown corp. is doing to the people this policy is to remove the
rights of people from obtaining the entitlements they are rightfully entitled to. This is why they don t
want change the policy . Rather they ignore what people are demanding . They know people will
vent and $%!# then go away. Eddie who is city councilor for wpg now , who was special executive
assistance to Garry Doer said to me in one of our conversations that in order to have no fault
insurance we needed to take away the rights of people. If choose to stand down now then the $%!# I
went threw was for absolutely nothing . The break down in my relationship with my wife . Not being
there when she needed me the most and having to bury her. I won't stop until this government is
entered into the human rights museum as a dictatorship that destroyed people's lives. |
| | Carlyn | November 26, 2015 7:14:09 PM | I think we met at some of the support group meetings, Ralph, though I'm not
positive I remember you properly.
Last I heard from Wayne (maybe a year ago), his family was still struggling
to get MPI to do right by them. They were planning to move out of province.
My understanding is the same as MaryAnn's: there have been no recent
meetings organized by the MVAS group, which has become dormant. Adrian got a
settlement and began focusing his energies elsewhere. Wayne found it
difficult to advocate for so many people while dealing with his own
challenges.
I wouldn't participate in a class action suit. MPI hides behind, willfully
misapplies, and selectively interprets legislation. They and their
consultants are bound by that legislation, and safely protected by it. The
consultants charge big money to give MPI the answers they want. They'll
never turn on MPI, their cash cow.
The more I tried to understand why they made the decisions they did, and
figure out how to get them to realize that I really needed help, and to
provide it, the more they spoke in terms difficult to understand, and
provided vague answers, or nos. Anxiety, depression, stress, pain, insomnia,
and lack of resources wore on me. Rather than giving up and dying (a
tempting thought many times, I admit with sadness), I dug deep, and found
strength I didn't know I had. I have survived. I have continued to push
back, with reasonableness.
I'm finally able to say that I'm doing quite a bit better. Because I dug
deep, and accessed every resource available to me, through and outside of
MPI. I've spent thousands of dollars that they'll never even consider
reimbursing. Won some battles, let others go.
My focus now is on progressing my recovery and helping others to understand
what's possible and what's not, while not losing myself in the process.
I can't put in the time and effort that would be needed to get legislation
changes. That has to come from a provincial government decision, and it
seems like it's not a priority for anyone who hasn't been messed over by
MPI. Perhaps if a person could get the true support of either the opposition
or the government, there could be sweeping change, or the privatization that
so many of us think would bring a more even playing field. Until then, we do
the best we can.
Sadly, auto insurance rates continue to climb, though MPI's not spending the
money helping us to recover properly. |
| | Ralph | November 26, 2015 10:22:45 AM | | Will it be easy absolutely not . If we don t stand up to a corrupt government your bitching is for
nothing ( respectively ). They need to pay for their transgressions. If we stick together the cash cow
will go dry |
| | ... | November 25, 2015 9:32:06 PM | MaryAnn,
Yes, thank you to you and Carlyn, can't spell... you 2 have made this Blog
informational... more than any other resource. Truths too ... Reality. :) MPI
Sucks period. |
| | MPIFmetoo | November 25, 2015 9:29:56 PM | MaryAnn ...
Yes, WHO trusts their file, lives or rehab ... or anything to a government
employee especially in MB? Stupid Manitoban's ... if they would just all Stand
Up against MPIC then maybe there would be hope for future generations ... for
now; suffer, spend all your money(not advisable you will lose) fight and
stress all day and night .... for what? Just for them to sit in their cubicles
and laugh at ya all ... bonus cheques for Case Managers soon! Your treatments,
your parking, your expenses and so on ... all for the Case Manager that can
save MPI money on paying out a claim. Any claim; personal injury or vehicle
... BUT that is Manitoban's. My opinion. |
| | MaryAnn | November 25, 2015 1:32:13 PM | Ralph,
I hear ya!! Everyone's claim is different because all injuries are different. If my daughter didn't have
me to advocate on her behalf (with legal assistance I might add; from Ontario), MPI would have stuck
her in an institution to rot. The only thing she has left in life is, to have a quality of life. Just as Steven
Fletcher had written, "What do you do if you don't die?" She was in a coma for 3 months, benefits
suspended, and now and forever will require 24/7 care and supervision. My daughter had just
graduated grade 12 that year and 6 months later before I could see her again, poof! A traumatic event
prevented me in ever seeing and knowing the daughter I once had. They have done exactly what
you've explained as far as taking away rights. I have written to the Premier in '09, and the Minister of
Justice at the end of 2012. Whatever points I provided (which probably fall under a lot of what you
mentioned regarding "rights") must have hit a nerve. Simply put, they are "one force" driving an entire
system; meaning a provincial gov't that is at arms length with every other entity within the province.
Unfortunately, I have not been able to find sources or supports at the federal level that can oversee
and/or look into and/or correct this corruption. We've made out okay, but I do feel for Manitoba
residents who have been, are being, and will be taken advantage of.
They took my daughter's right to life away. While she was fighting for her life in a coma in urgent
need of splints to stop her body from contracting, they suspended benefits and let her suffer further
instead of providing medical equipment and assist in the rehab process. Complete Neglect of Section
138 and their commitment to assisting rehab and recovery. They are supposed to assist and get
assistance to funding in place immediately at the time of the MVC.
It will take a team of legal experts to go up against the province. It will cost an extraordinary amount
of money and many years; just to make some change. There needs to be a tort system. That is the
only thing that will make it fair for claimants. The legislation needs to be challenged by the law.
There needs to be competition to provide fair rates.
If you have any questions, don't hesitate to ask. |
| | Ralph | November 25, 2015 9:25:46 AM | | Definitely the system they have violates . But under the charter of rights and freedoms the gov of mb
has prevented people to excersize right to justice, right to equality, right to freedom of privacy and so
on. They use the system of no fault not to help you but to remove your rights to fair compensation .
My situation is different from most people . To which I will explain one day . What they do is
psychological torture in order for people to give up and walk away so they can close the file , they
win. Not with me . They will need to me a pine box before I quit. What they are doing is no different
then a dictator in a foreign country telling young girls they are not allowed to attend school. |
| | MaryAnn | November 24, 2015 10:43:12 PM | Ralph, you are correct.
I'm just tired of repeating myself on here because I have many posts. If you just scroll down a bit,
you'll see a few of my posts.
I have provided pertinent information that should be or I would hope would be helpful.
One thing I'd like to make clear, to a previous post (I think in September), is that the consultant
reviewing a file cannot possibly know if they have the entire medical file. Only the Case Manager
knows what was provided. That's important to know!! When a claimant receives a decision letter
based on the consultant's "blind opinion"; the case manager is not qualified, thus cannot know what
the claimant's medical requirements are, the consultant cannot know through undetermined
documentation. The entire process is invalid!! A case manager is not qualified and does not have the
authority to go above a treating physician who has worked and assessed a claimant in person.
Claimants also need to make sure they get detailed medical information from their treating physician.
Key factors are;
- No freedom of choice; MPI has the monopoly
- No access to proper professional advocacy and representation; MPI has endless funding to this
- Processes are invalid; consultant's "blind opinions"
- No tort; means the legislation is not challenged by the law; allowing MPI to use "bad faith"
- "Blind opinons" by consultants are invalid; no one knows what information was provided for the
review
- Reviews are done without providing claimant opportunity to submit further info.; (at least that's what
happened to us)
- Case managers are not medically qualified to approve or deny medical treatment to recovery and
rehabilitation
- Resources used to get help with MPI claims or submit a complaint are all provincial gov't entities.
There is definitely a bias to these.
I could probably find more. In our case there is definitely more, but these are major major issues that
I've used. Under catastrophic circumstances, my advocacy, honesty, and perseverance somehow
worked for us. |
| | Ralph | November 24, 2015 8:46:39 PM | | I intend on doing it on a percentage basis . We have rights in this country and they have done
nothing but abuse and violate them. Not so much about money but stripping them of their power and
making sure they get registered in the human rights building as atrausities committed against the
people of Manitoba . What they have done is stripped you of all your rights and mentally tortured
people. They need to be brought to justice. They need to pay for their transgressions . |
| | Mary Ann | November 24, 2015 11:18:04 AM | | From what I've learned through the legalities of it all, "T" is correct. There's nothing at the end! |
| | T | November 24, 2015 10:19:37 AM | | Good luck Ralph, but if I was you I'd keep you're $$$.
MPI will fight until you go broke because they have all our money to do it, and
a mandate that requires them too!
I hired a lawyer once in a WCB dispute . . . Same Government, different
insurance plan.
The firm took thousands of my dollars, and when I was broke I still had the
same problem, but no more legal firm.
I wish you all the best if you proceed however I'd caution you to do lots of
research before dishing out lots of cash . . . I'm out.
T |
| | Ralph | November 22, 2015 5:31:52 PM | | Took over three years to receive impairment award after applying for it still haven t received yet but
soon I m told and yet if you don t comply with there timeline they terminate your entitlements . Their
nazi dictatorship will not look good when this comes out . Next month I m meeting with different law
firms in the west . I promised myself I would let them get away with what they have done to my life .
It s been over twelve years since my accident and I ve threw $%!# because of them now I m coming
out and I m bringing $%!# with me and I will drop it on their door step . If anybody wants on board with
a class action lawsuit let me know.
These $%!# s have no right to manage and control my life or anybody else's! |
| | Mary Ann | November 21, 2015 4:30:10 PM | @ Ralph,
Like I said, I honestly haven't heard anything for probably about 2 years. I haven't heard of any
meetings being held either.
I think it got to be a bit much, I guess, trying to help others. It is wearing being an advocate for
oneself, never mind trying to take on others.
So, I've just been providing information on this site, when I can. Carlyn has been providing a lot of
info on here as well. |
| | Ralph | November 21, 2015 10:31:54 AM | | Sorry I had Warkin on my brain. Is there still those support meeting cuz I lost contact with everyone? |
| | Alex | November 21, 2015 1:22:18 AM | | MPI really discourages people to start riding motorcycles. I want to join the
riding community, but why do I have to pay $500 a month? I can buy a "new"
bike every 3 or 4 months... Its really stupid... |
| | Mary Ann | November 20, 2015 5:58:51 PM | @ Ralph,
Did you mean Wayne Franklin? I honestly don't know. I haven't heard anything for maybe 2 years
now. |
| | Ralph L. | November 20, 2015 4:17:06 PM | | Hi Mary Ann . What ever happened to Wayne Warkin? Is he still around? |
| | Carlyn | November 17, 2015 7:47:17 AM | T - MPI typically only reimburses parking and travel for medical
appointments, and then only if they are paying for the treatment. If a
claimant opts to go for treatment MPI doesn't normally cover, or to keep
seeing practitioners after MPI cuts off funding for that treatment, MPI will
not normally reimburse related travel or parking.
They don't usually reimburse expenses or lost wages directly related to
meetings with them, except some appeal expenses like medical reports. You
can request that the case manager meet you at your home or place of
business, so that you avoid travel and parking charges.
Cheques are usually received by mail within 1-2 business days of being
written by MPI, in Winnipeg at least. |
| | T | November 16, 2015 1:28:07 PM | | I am appealing my case managers decision not to pay travel mileage after she
called me to an interview downtown with her. " I had waited 7 weeks and still
hadn't received any lost income $$$ she had to return the next day to pick the
chq up. "
I included the trips in my travel claim and she denied the two trips to the MPI
downtown Wpg location. " She did however pay the Parking! "
I am at a loss as to why MPI will now have to spend our rate $$$ in an appeal
of merely $5.00 - $10.00, that will surly end up costing hundreds to fight!
Is there anyone I can contact who can look at this waist of resources and have
them make better intelligent decisions?
T |
| | freethinker | November 1, 2015 10:18:16 PM | | Why is it against the law to travel in your personal
property?
Don't call it a vehicle if you do not operate in commerce
with it.
We have the god given right to travel the earth as we
please... government is trying to control our lives by
creating fear. |
| | Mary Ann | October 29, 2015 8:48:12 AM | Marc,
As far as I know, there is no longer a group. This site is the only thing I have found that can reach out
to people.
Selinger created more bureaucratic jobs. The link you provided is that of a Claimant Advisor. They
are another Provincial Gov't entity through Manitoba "Healthy Living, Seniors, and Consumer Affairs".
They are gov't employees, NOT lawyers!! I've already looked into this. It takes a lot of work to
understand a file and a person's needs and to what they are appealing. What legal and medical
qualifications do these people have? Why does MPI have legal access and endless funding to this?
Why does MPI leave the weak and injured to have less than this?
Marc, you are right! They do ruin lives after a life has already been ruined through injuries. They just
don't know where to start to actually assist those through rehab, or assist through the process of re-
entering the workforce appropriately, properly, or respectfully. There is a way, but they're not doing
it!!
It's so frustrating reading how people are losing their livelihood. Why are the injured suffering
further? Survivors are being put through processes without proper representation or advocacy! Why
are survivors having to pay for information (i.e. MPI legislation/Act) to understand benefits and/or how
to access benefits? No one can go through rehab AND learn the legislation.
Through my years of experience, it is my opinion that;
Simply put, without the tort within the insurance industry in Manitoba, people are being forced to
have "Blind Faith" in a system of "Bad Faith". Bureaucratic processes are not being challenged by
the law. Without proper legal representation or advocacy, this provides the case managers and
supervisors to use bad faith. I've told Swan this. MPI is a provincial government bureaucratic crown
corporation, out of control. They have the monopoly. I don't believe for a minute that another entity
of the Provincial Gov't would step in and go above them. And, it's the injured having to deal with
this!
People NEED a Lawyer in this situation; NOT a Claimant Advisor!!
Who trusts a gov't employee with their life? Apparently, all Manitobans!! (Except those who've had to
go through this.) And the Provincial Gov't put that upon the citizens because they took it into their
own hands to know what is best for everybody living in that province by originally creating a Public
Insurance that offers no competition or freedom of choice. How could they know what's best for
everyone? They don't even know the processes of what the injured are dealing with. They're told it
works and they believe it. They read an article and think it works. The Provincial Gov't will tell you
that they will take care of you in an accident (they honestly believe this), then when it happens, the
insurer takes you for a ride! The ride of your life...while already traumatized from an accident and
dealing with injuries!!
It is my opinion, that when you look at the whole picture of this set-up...it simply adds up to
"Totalitarianism". |
| | Marc | October 28, 2015 9:58:59 PM | Government advocates to help with appeal process:
http://www.gov.mb.ca/chc/press/top/2005/05/2005-05-13-06.html. |
| | Marc | October 28, 2015 9:49:01 PM | | Was in 2 car accident 2008 weren't my fault been on iri benefits since sometimes they don't pay me
for months on end I have had my car and house repossessed I've lost everything and now they have
determined me as a janitor making 20 grand a year agai st my wishes. Shauna neiser has ruined my
life and don't give s $%!# I have gone through every single appeal and today had my appeal with the
advocacy office we had mediation and they still refuse to retrain me. I cannot do a physical job
anymore and have lost my career in the trades. I can take it to trail but could take up to a year and I
get cut off Jan 6 in 2 months I have free lawyer form the government but Mpi has millions of our
dollars the most curropt system I have ever seen they ruin people lives. I'm 30 years old n being
forced to be s janitor making 20 grand year when I was making 47 before accident |
| | Marc | October 28, 2015 9:37:56 PM | | Is there still any group that get together to go against Mpi or any other resources |
| | Carlyn | October 28, 2015 8:30:33 AM | MPI used to replace car seats for even very minor collisions. Not anymore. As
with many of their decisions, it comes down to dollars and cents. Saving cents
is often more important than making sense.
As Mary Ann stated, vehicle contents other than the clothes, prescription
glasses, etc. that were worn at the time of an accident are NOT covered by
MPI.
Custom paint or accessories? Customizations for a business vehicle (like a
food truck)? Not usually covered, from what I understand. MPI will repair the
vehicle to its original state, not the customized state. |
| | Mary Ann | October 23, 2015 3:56:18 PM | @ MPI Claim Denied,
Anything inside a vehicle at the time of a collision HAS to be claimed under your home insurance.
I found this out when MPI would not replace the Christmas gifts my daughter had bought and had
with her at the time of her accident; nor would they replace her luggage. All were damaged in her
accident. I managed to fix the last item she had shopped and picked out for me prior to her injuries.
Most of her gifts were clothing and soft items that ended up with glass in them. Believe it or not,
glass particles ended up inside her closed suitcase.
Even when questioning them on this, they wound the entire subject in circles and didn't understand
that they were to replace the clothing on her back at the time of the accident, and never did. She lost
boots, winter jacket, clothing was cut off, paramedics had to break her necklace to get it off (but
thankfully kept the pendant and her rings). Clothing worn at the time IS covered, but apparently one
must be specific with this, as the Case Manager won't understand; as in our case. Separate items in
the vehicle are not covered under vehicle insurance.
When I checked with home insurance, the deductible was $1000.00. So, I'd have to pay the first
$1000.00 and then home insurance is supposed to cover the rest. A higher deductible lowers initial
premiums, and over the long run makes sense. It's not a claim that would often be accessed.
Therefore, nothing was claimed. Insurance companies do this as to NOT lose out of their pocket.
Check glass coverage as well. Sometimes it's cheaper to just replace a windshield yourself than to
make a claim, depending on the deductible. I know in Ontario it is a money grab to pay glass
coverage as it is fairly cheap to pay for it yourself. When there's a deductible, it's not worth paying
the extra coverage every year over time. |
| | MPI Claim Denied | October 23, 2015 11:56:54 AM | Maryanne is an asset :) this website and all the information you share gives people direction,
resources, and information. I was so thankful for all your help. I know You are dealing with the battle
with MPI as well after decades on behalf of your daughter and you do understand how corrupt they
are. Manitobans will not have any other options but this $%!# MPIC until they stand up and say
enough is enough!
Did you just read that MPI will not replace baby seats though the manufacture states if your car is in
an accident you need to replace it for safety?
Rates pay for their wages which are overinflated, their entire law firm to fight you the claimant which
you pay for and you cannot afford a lawyer or find a lawyer to help you, they don't have to answer to
what they do with the last two quarters of millions of dollars. But this quarter, being the election is
over, guaranteed your rates are going up because in Winkler Manitoba 300 claims because of hail
Will mean they need more money to pay for that because they can't budget what they have like
businesses are supposed to.
Manitoba and put up with it and that's what they get is my opinion. Truly ... When people go to sites
like this and try to get others to do their work for them and then don't even get out there and try to
educate Manitobans about this corruption to me is a disgrace. people rather walk away than fight for
what is right for theirs; add up all the money you've paid to MPI for your auto insurance over all the
years and add and your family to! Claims are no-fault insurance so they aren't worth millions but the
few hundreds or thousands of dollars that you might be entitled to to heal you better be prepared to
fight! You get the zero unless you fight and prove them wrong even if all your doctors and specialists
have diagnosed you. They will send you to their doctors and say that the diagnosis is wrong! |
| | Mary Ann | October 7, 2015 9:55:54 AM | Carlyn,
Thank you, but I've only done what I felt I had to do in order to protect my daughter's position and
from being steam rolled. It's disgusting on how she was treated in the beginning and pretty much
throughout.
I think the key to getting results, is persistence, and finding the key issues of their position. I
questioned everything, but I also gave back what they dished out. Who are they to tell me anything
with regards to medical recovery??
I've questioned the CM on occasion to the point where they don't want to deal with the issue
anymore, which in my eyes, means I was right, and they just don't know where to take the issue (such
as providing information outside MPI without our knowledge or consent), so they drop it because they
don't know what else to say. Then, they say, if there is anything else I can help you with, please do
not hesitate to call me. First off, I would not call them. Secondly, they had no answers for my
questions in the original issue, how in $%!# can they help me with anything else?
And, sometimes the questions go unanswered or they just fail to provide further information (a
neglect to Section 150 as they are to endeavour to inform, assist, and advise to benefits and make
sure the claimant is receiving those) and go through the IRO with the first appeal and then submit to
the 2nd Appeal at AICAC; then, suddenly, be provided information (CD Manual) about the process to
the benefit you had asked about previously?????
I hold these things against them. And, it is so beneficial to have it all in writing!!
Bureaucracy does not make sense. Recovery, rehab, or healing; nor can the time it takes to get
through it, be legislated. That's just ludicrous thinking. Learn the language and stand up for yourself,
advocate in your best interest, because they certainly will not!!
Yes, rate payers are an asset and priority to MPI; until they make a claim. MPI guards the funding
that people are paying; however, when and if needed through claims they protect it. So, the rate
payer can pay for years without making a claim, but when, if, or once they make a claim, that rate
payer is no longer a priority to MPI. They will then protect that funding and make the claimant fight
for it. Rate payers are an asset, and when funding is needed, they become a liability.
Guaranteed, I will not be voting NDP!! Thanks MPI for setting me straight on that!! |
| | Krystal | October 5, 2015 10:19:21 PM | I'm trying to find actionable recourse due to an error by mpi. The automatic
withdrawl of payment to mpi bounced, and when rescheduled on the phone, with
verbal confirmation, it was supposed to attempt to come out again on September
27 - pay day. My understanding is that when called in, the rescheduled date is
entered manually by mpi.
Problem is, the next withdrawl attempt is done on the 26, a day early. I'm under
the impression that everything is fine, until I'm pulled over for driving
without insurance, driving without driver liablility, get my car towed and have
to pay the impound fee. Also in the background my bank account gets another NSF.
Now there's further financial problems AND legal problems, all because of an mpi
error. So how can I get mpi to fess up to the mistake in writing so I can get
the charges dropped? |
| | Carlyn | October 4, 2015 8:26:41 AM | Maryanne, my heart aches for you and the situation you are in with your
daughter. You have such strength, and are an amazing advocate for your her.
You have managed to fight the system effectively, relentlessly. You amaze
me.
You seem to get results from your communication, which is impressive. I
haven't generally written directly to the consultants. Mainly to MPI case
manager. My attempts to contest decisions and opinions have typically been
met with a "shush" response.
MPI case managers don't like it when we fight and argue with their
decisions. Especially in writing. They'd like us to go away quietly, whether
we recover or not. They solicit these opinions for a purpose, and act
quickly on them when they favor MPI. Yet our only hope for help lies in NOT
going away quietly. And insisting that our challenges be properly
documented.
I wrote my former CM several times to contest consultant opinions and
conclusions, correct errors on reports, and insist on getting the help I
needed to return to work and continue recovering. They began to aggressively
push for verbal communication. I stated in writing that I needed to insist
on written communication, and explained the reasons why. Several times. I
had seen my entire file, and I know that they do not accurately record
verbal communication. It was difficult for me to connect by phone with my
CM, since I was generally at work during her work hours. I needed my break
times to manage pain.
My CM stopped responding to correspondence. I contacted their supervisor,
and would then get a response from the supervisor stating that the CM would
be in touch with me shortly. Then a flurry of quick responses from the CM,
all requesting that I CALL if there were any questions or if I needed more
information. If I wrote back, I was often ignored until I contacted the
supervisor again. Eventually they transferred my claim to a new CM.
The new CM sent me a letter, stating that they had reviewed my file and
could see that certain issues were outstanding, which they would address
(one of which my former CM was supposed to have addressed months earlier).
If I had any questions or new information, they would prefer that I phone
them, and leave a detailed message if need be. They would then either call
me back, or send me a letter.
I called the new CM, introduced myself, and asked why there was such a push
for verbal communication. I explained why I needed written communication.
Their answer: They had reviewed my file, and seen my correspondence with the
former CM. They don't have time to read lengthy letters and emails. It's not
their job to argue with me about decisions made. Their job is to move the
claim forward. (Which seems to mean getting claims out of the system, and
files off of their desks.) They defended my former CM's lack of response and
action, stating that their case loads are really high because of budget
cutbacks, and they get bogged down in written communication. Stating that I
needed to understand that these things take time.
In their opinion, it's OK for them to take months and months to make
decisions about funding services or equipment. Yet when a claimant asks for
more time, we're often pushed beyond reason.
Case in point: The consultant they sent me to said (without adequately
supporting their conclusion) that I was able to be back at work with no
restrictions, and taking care of all of my home management tasks. Funding
was immediately severed for lost wages and assistance at home.
I stated in writing why I disagreed with their conclusion, and that I was
willing to try increasing work hours, but I needed more time to make that
happen. I asked for a workplace assessment by an independent Occupational
Therapist, and help getting back to full duties. They denied funding for a
graduated return to work, and insisted that if a workplace assessment was
going to happen, it had to be with the OT from the consultant, because they
supposedly knew what I was capable of.
It took less than a week for the consultant to schedule me in for the
"independent assessment". That report went out within days of the
assessment. It took over 3 weeks to get their OT to come for the workplace
assessment. He defended their position, stating that while he empathized
with my situation, there was no reason they could see that I could not do
these things. Pain, activity/sedentary tolerance and fatigue aren't reasons,
because they are not measurable. That while the system might not seem fair,
it's necessary for the protection of rate payers. He brushed off most of my
challenges, making token (no cost) adjustments to my worksite, and ergonomic
suggestions.
He said he would continue to think about my situation, and whether there was
anything else he could do to help me. He welcomed me to contact him if I had
further questions or thought of other areas he might be able to help with.
That sounded positive, yet he ignored all of my attempts to follow up with
him. About 2 months later, fed up, yet still trying to remain as
professional as possible, I wrote a detailed summary of the challenges I was
still having and literally begged him for assistance. Told him I wasn't
expecting him to change his original opinion, but I really needed this help.
He (finally) responded by sending me a brief email stating that he is very
busy, acknowledging that his report was complete, and stating that they
could not justify further assistance as being 'medically necessary as a
result of your accident'. Several weeks later, their report arrived at MPI.
It ignored all of the remaining challenges, and did nothing to help me. They
provided one piece of equipment to help with tasks I sporadically need to
do, and ignored the equipment I specifically asked about to help with day-
to-day challenges.
I wrote back to him, stating that he had not addressed certain issues at
all. Acknowledging his statement that I should contact my case manager for
further inquiries. No response received from him, though he did forward that
email to my CM. This man is respected in the industry, yet obviously biased
when dealing with people who have issues that aren't clearly measurable.
Months later, I got an independent assessment with another OT, because I
insisted on it. That OT was focused on ergonomics and on helping me. Some
additional equipment was provided, and it has been helpful.
Major hassle, major runaround, and money and time wasted by MPI. If they had
sent an independent OT in the first place rather than insisting on sending
the consultant's OT, they wouldn't have been paying for two assessments, and
I'd have received assistance much more quickly.
I still insist on written communication for significant issues. I've been
bitten by the system enough times to know that their focus and way of
handling things is not in my best interests. |
| | Mary Ann | October 1, 2015 7:26:55 AM | MPI did not recognize "catastrophic" until 2009. My daughter's injuries happened at the end of 2004.
MPI suspended ALL benefits within two weeks of her claim. Why? Because she was in a coma and
couldn't sign a form they wanted. She remained in a coma/vegetative state until the end of March,
2005. She was in desperate need of splints as the process of her state, medically, was debilitating
her recovery physically...hands clenched, elbows tightened across her chest, feet in plantar position.
MPI doesn't care what condition a person is in at the time of their injuries!! Catastrophic or not, they
want their forms signed and if not, they will threaten benefits!!
And, even at the beginning, of this whole roller coaster ride, catastrophic was not recognized. After 8
or 9 years, MPI finally recognized the catastrophic aspect. My daughter is a true miracle, after
suffering a severe brain injury. She just wants her life back, go to school, drive, work, get married,
have children, and live on her own - be independent. Will any of this happen for her? Highly unlikely.
Does it affect the family? Darn rights it does. I can't enjoy the daughter I once had. Life has
changed completely and I will have to care for her for the rest of my life. I can't plan visits, dinners,
or just some quality time as two adults, watch her get married, or have children. Will I be a grandma?
No! I've lost all of my freedom to having curfews when I do get a break. My "free time" consists of
overseeing her life schedule, advocating, paying bills, grocery shopping, cleaning, and the list goes
on.
She was a passenger, in the back seat, having a sleep when struck by a half ton. Her head was
squished between the window and headrest at the time of impact on the Trans Canada. I believe the
only thing that saved her life, was the fact that her jaw broke in 3 places, softening the blow to the
head.
I can guarantee that my daughter did not receive any special treatment with regards to catastrophic.
I have had to fight tooth and nail for every need over an 8-9 year period. And, we will always have to
deal with MPI for the rest of our lives.
I've provided info. on here, hoping there is someone that can use it.
i.e. HCS consultants provide a "blind opinion". MPI hires doctors in the community to go through
medical documents to provide their opinion based on what they've read. Hence, the reason I always
call it a "blind opinion". The consultant has no idea what the "actuality" of the situation is, or
circumstances, or even "accurate" information. Is it legal? Yes. Anyone can provide an opinion.
Everyone in Canada is entitled to their own opinion. It is what happens following this "blind opinion".
Now, wouldn't the treating physician have the best overview, and knowledge to the patient/claimant?
Absolutely, no question about it!! Is everyone guaranteed to have an excellent physician/specialist?
Unfortunately, No!
MPI will always side with the "blind opinion". However, does the case manager have the medical
qualifications to follow through on the consultant's recommendation/opinion? NO. Their stance is a
benefits/funding decision; however, the bottom line is, it is also a medical health and well being
decision that determines how much a person will recover, or for that matter, if they'll recover. In
hospital, a claimant will be looked after under the health care system, and even then when it comes
time to needing equipment or supplies, MPI will guard funding and the roller coaster begins.
I read all reports over and over and find the flaws.
When MPI provides a decision letter stating the entire medical file has been reviewed and then
approves exactly what their consultant opined, which would directly put my daughter at risk of further
injury, I know the consultant does not understand the entire complex situation. So, I write a letter
telling MPI and the consultant that they will be responsible and accountable for further injury. I then
get a letter back from the doctor (because, at this point, the doctor doesn't want to be "wrong" or be
in a position of being accountable or responsible), stating that he did not have all the information at
his disposal. However, MPI stated that the entire medical file was reviewed and approved funding for
exactly what the consultant recommended. It was actually quite "shake your head - baffling" finding
the flaws. However, this stuff speaks volumes to me on how the processes are so skewed! We are
talking about people's health and well being and progress to recovery following an MVC.
It's a merry go round/mickey mouse process, in my opinion! My daughter was never able to use this
approval. But, it is a pure example of how their system or process doesn't work!!
Does MPI hire external case managers...yes! I've had 4. Two of them were Registered OT's, one was
a Registered Nurse, and one (I don't know what he was) but he hired himself through his own
recommendation (and that's another story). However, MPI hires outside professionals to follow
Section 150. I have that in writing. The important thing to know is, anyone with a professional
background in the health or medical field, should be registered to their own governed profession,
which will also have a Code of Ethics. They have to work under that professional governance and
Code, meaning they have an obligation to the claimant first and foremost before any agreement or
contract with MPI. They cannot follow Section 150 of the MPI Act. I've used this information and
wrote a letter directly to the consultants in HCS when appealing with the IRO...outlining their
obligation under their governing profession and Code of Ethics and with regards to their review.
We've had an MPI decision letter come back assuming what their consultant meant in their "blind
opinion". Then later get a clarification letter from the consultant stating it wasn't what he had meant.
That goes to show, MPI case managers don't even know how to read the reviews or "blind opinions".
My only hope is that someone can use this information wisely, and in a professional manner when
dealing with an issue. Get everything in writing, read, and re-read. Outline the facts of the issue.
Question everything, over and over and get answers. Go above the case manager.
Getting angry and rude with these people will definitely not work; nor will it be beneficial.
I don't hear back on many of the letters I've sent, but I can guarantee, someone has read them, and
through writing to the Minister of Justice and sending copies to MPI's legal dept. on many of the
issues, I'm pretty confident that my name has been subject of discussions at head tables in MPI's
conference rooms. |
| | Carlyn | September 30, 2015 7:23:21 AM | People who were injured prior to the 1990s change to the PIPP system are at
times still entitled to benefits that those injured since then cannot get.
Fair? NO! In the best interests of the people? NO! Money saving? Perhaps,
yet MPI spends a lot of money defending their position, denying benefits,
and lauding their system. And our insurance rates are still high.
MPI negotiated with the physiotherapy and chiropractic associations to set
up cookie-cutter numbers for treatment entitlements. The average person
needs this many treatments. This is what you are entitled to. Regardless of
your recovery prognosis and personal situation. Regardless of whether you
have a slightly sore neck, or you are dealing with numerous sites of soft
tissue injury and complicating factors that prevent you from effectively
resuming normal activities. (Catastrophically injured or those with clearly
measurable injuries like broken bones get higher levels of coverage).
We can each fight for more if we've got supportive medical professionals on
our side, yet it's a long and hard battle, with no assured success.
MPI employees vigorously defend the interests of the corporation, and try to
convince Manitobans that the system is great. They are not medical
professionals, yet they make medical decisions, and tell their consultants
what the outcome of their report should be.
The only way to get rid of MPI and switch to private insurance in Manitoba
is to have a referendum. Politicians in charge of MPI will not call for such
a referendum. Complaining to them about the injustices of the system has not
led to improvements. |
| | Mary Ann | September 23, 2015 10:41:09 PM | Dru,
As far as I know, Manitoba has always been public. A provincial government run bureaucratic crown
corporation. It was different prior to 1994 when they brought in PIPP benefits and eliminated the tort.
You can thank the NDP for it!! They took it upon themselves to know what was in everyone's best
interest. It's also a monopoly with no access to competition; therefore, no choice!!
MPI puts dollars back into the province!! Therefore, in my opinion, a portion of everyone's rates in
Manitoba should be tax deductible and claimed on income tax as a provincial tax credit.
It's up to the residents to do something about it. However, the majority of them are brainwashed to
believe it is a good insurance because many do not know the process of making a claim, especially
for injury. Most people even think they are getting good rates because they don't even compare with
other provinces or private companies. It's not hard to do some research on it.
And, there's no getting rid of it unless every resident in Manitoba stopped driving. Although, it might
be helpful to vote out the NDP in Manitoba!! That would be a start. |
| | Dru | September 23, 2015 1:42:23 PM | | I hate hated MPI with a passion ever since becoming a new driver 20 years ago.
So many issues and problems, not to mention the costs.
Does anyone know... Why the $%!# is Manitoba (along with a couple other
provinces) so different? Why are we stuck with public insurance? Who decides
whether the insurance type is private or public and how can we urge officials
to switch to private insurance companies? |
| | Chris | September 19, 2015 11:07:40 PM | | Curious
you made the mistake of referring to mpi clerks as proffessional. You
cannot use MPI and Proffessional in the same sentence.
I have been into 3 different offices and spoken to a clerk about limited
mileage cover each one has given me that deer in the headlights look and then
said, they don't understand what I am talking about. Bottom line they don't
want to know and or they have been told not to issue this cover because it
doesn't bring in $$$$'s |
| | Reality | September 16, 2015 11:57:15 AM | Trevor
LMFAO as a pedestrian that was injured and NO benefits to date, years = MPIC
is NOT insurance for the people. It is a business that raises rates for MPIC
employee BONUS pay outs (year end), and entire law firm that fights rate
payers, and for benefits for injured MPIC employee's and politicians when they
need it. What about the rest of us? Good LUCK.
Manitoban's Believe it is the BEST Insurance in Canada. SO WHO is stupid? |
| | Mary Ann | September 15, 2015 6:45:08 PM | Trevor,
Yes, their insurance is not comparable and I can guarantee you that the sales reps for MPI selling the
policies have NO CLUE what they're talking about.
When one is injured in an accident, not only do they need to recover, but they also have to become
their own lawyer and advocate in fighting for reasonable benefits against a provincial bureaucratic
government crown corporation. One cannot sue, and unless you're rich, you won't afford a lawyer
either, if you can even find one to deal with MPI. There's just nothing there.
It's a public insurance owned and operated by the provincial gov't. Your donation into rates go back
into the province and policy holders cannot even claim as a provincial tax credit.
Public insurance is completely different than private insurance!! |
| | Trevor | September 15, 2015 12:22:00 PM | | I just recently moved here from another province and I'm shocked at the price of insurance in
Manitoba. The cost of motor vehicle insurance here in manitoba vs what I was paying on th east cost
is is roughly 2.5 times higher. On top of paying a lot more here, I also get a lot less. What gives?
I spoke to a brainwashed MPI employee and to get a quote. When she told me the cost my jaw
dropped. She then went on to explain the benefits of MPI vs private insurance. Apparently she has
no clue what private insurance offers. One point that she made was that, if I were to get into in
accident MPI would call and cover the resources that I needed for the rehabilitation process I.e
physio, chiro etc...
Ummm, that's what insurance companies are suppose to do! Anyways, all I can say is that
Manitobans are getting screwed over on their insurance big time. |
| | Scotty | September 4, 2015 11:27:23 AM | | Thank you for your reply! This involves a 70 year old! As more questions come up I will show the
family this site!
It's such a sad situation. The family have now hired their own OT to provide therapy in hospital as
the patient was on,y been given 5 min per day! They do not want him to go to a PC Home but have
been told that's what's likely to happen because they feel that not much more can be done in
hospital!
In any event if they need more help or advice, I will let them know where to go! Thanks again! |
| | MaryAnn | September 3, 2015 10:22:06 PM | @ Scotty,
The funds from the Personal Care Benefit can or would be used towards costs of a Nursing Home. I
believe MPI would arrange direct payment of the Personal Care Funds to the Nursing Home.
Not knowing the circumstances, it's hard to provide further information that might be helpful. If this
is a young individual that has been catastrophically injured, another option might be a group home if
that is something available. MPI would fund the maximum monthly personal care benefit at the
catastrophic level of approx. $5,000.00 and ORGOC (Occupational Rehab Group of Canada; an
agency in Winnipeg) can apply to the Health Authority to cover additional costs of care - up to about
$9,000.00. There may be other agencies that can do this as well.
Depending on the circumstances, there may be more funding to access as well, especially if it is
catastrophic.
If this is an older adult, then I think the personal care benefit and possibly the Income Replacement
Indemnity would be the funding options used. Again, depending on the circumstances and what the
person is currently receiving. |
| | Scotty | September 3, 2015 11:01:52 AM | | Does anyone know if MPI pipps covers the cost of a Nursing Home - when a person does not
recover from a MVA and has to be placed in a nursing home? |
| | MaryAnn | August 26, 2015 9:51:35 PM | Yes Carlyn. A very sad day.
The husband should have had his own claim at the time of the accident as his vehicle would have
been damaged, even though he didn't sustain injuries in his own vehicle, he sustained injuries from
that accident.
Unfortunately, MPI is strict with their benefits and only offer certain things in this case. In Ontario,
there would be liability coverage which people have access to and sometimes (depending on the
circumstances) on each insurance policy involved in an accident. Liability also carries benefits for
pain and suffering within the claim and would consider the losses of a wife and mother to the
immediate family. It certainly doesn't make it any better, but a good lawyer would assist in making
sure the father had assistance with the children and their needs and funding for such.
It's very frustrating when I know the difference between private and gov't insurance. |
| | Carlyn | August 26, 2015 5:44:30 PM | I join in sending my condolences to the family of the reportedly beautiful
(inside & out) woman who passed away. My heart dropped when I heard that
news, and I temporarily forgot about my own struggles.
This was a tragic situation, completely avoidable if the driver who caused
the accident had only been more responsible. That observation doesn't help
the family. We can't rewind.
The news report didn't say how well the man was recovering from his
injuries. I would encourage him to continue to try to get help from MPI for
his injuries. Most benefits they were paying the wife would be terminated
after her passing, aside from the death-related payouts. And he still has
himself and the children to care for. I hope he has a good network of
friends and family to support him at this very difficult time. A crowd-
funding campaign, while undoubtedly helpful, only goes so far. |
| | MaryAnn | August 25, 2015 11:28:23 AM | | I'm so sorry; I didn't explain that accurately. According to CBC, the man's wife has passed on. |
| | MaryAnn | August 25, 2015 11:25:12 AM | Apparently, the man who burned his hands helping his wife has passed on. Deepest sympathies to
her husband and family!
He was involved in this accident as she was rear-ended while stopped at a construction zone and
was pushed into her husband's vehicle. Both vehicles burst into flames. It will probably have to be
fought for, however, MPI HAS TO PROVIDE COMPENSATION FOR HIS BURNS, LOST WAGES, PLUS
FURTHER BENEFITS AT THIS POINT!!
The Case Manager on this file IS NOT qualified as a medical practitioner with a Ph.D.; nor would they
be qualified as a burn specialist to approve or deny benefits. Injuries are due to the MVA and should
be dispersed as required!! This man was not only involved in the accident, he was fighting to save
his wife!! He has been through enough trauma and needs time to heal and deal with this life-altering,
catastrophic experience!!
When their qualifications are questioned in writing with copies sent to the big shots in provincial
depts. and possibly a copy inserted to the Free Press, they are put on the spot to respond and
defend themselves. In which case, they cannot defend making a medical decision on behalf a
person's health and welfare.
This is exactly why private insurance is imperative!! If this was in Ontario, a lawyer would go after the
guy speeding in the construction zone!!
This stuff makes me angry!! |
| | AbusedByMPIC | August 17, 2015 4:35:15 PM | July 2, 2015 8:07:15 PM
A woman following in a car behind her husbands lead car was seriously rear ended
on the Hwy and burst into flames. She was trapped in a burning car so her
husband rescues her and seriously burns his hands getting his wife out of her
car. The man is a self employed mechanic and was denied any MPI compensation for
his injuries! Take note Manitobans, MPI would have you stand on the side of the
Hwy with your family to watch and listen as your Wife / Mothers screams until
she dies a horrible burning death than compensate a hero for saving a life! NO
SHAME MPI!
Sadly, this is nothing new. As more Manitobans become aware of HOW BAD MPIC is
... then maybe, maybe ONE DAY you WILL all unite and fight for Private
Insurance. Look at ON ... they get lawyers ... Manitobans zero, nothing, FIGHT
and FIGHT long and hard for whatever you need BUT don't think for one minute you
will receive it. Look at their forms ... YOU have requested compensation ... AH
CUZ you need to be well and this is WHAT that MVA insurance is for. Good Luck is
all I can say. Until MPIC is NO more in Manitoba ... more and more will be
denied coverage, proper coverage or any coverage UNLESS you are Rich, a
Politician or someone they are scared of ... Period. |
| | AbusedByMPIC | August 17, 2015 4:31:17 PM | T July 24, 2015 11:03:45 AM
Hello, I have received a MPI Authorization request in order to obtain medical
information however unlike other requests this one does not list a Doctor or health
care provider. I am leery to sign such a request without knowing who exactly they
will get info from or share with, but they've outlined section 142 & 160 in the
"ACT" as intimidation I guess. Any thoughts or experience would be appreciated . .
. T
THIS form HAS TO BE Filled out ... send it back or request a NEW one with the
proper information on it. They have NO RIGHT to have a blind copy signed ... YOU
HAVE the RIGHT to request it be filled out before you sign it. |
| | AbusedByMPIC | August 17, 2015 4:22:55 PM | I agree, most lawyers will NOT even touch cases that are NOT huge $'s. Try calling
around.
What happens when they don't pay for anything ... Can a person request they Close
the File to eliminate them and their stress? |
| | Curious... | August 12, 2015 5:06:59 PM | | I'm just wondering... Is there a reason why every MPI employee I've dealt with
has been unfriendly almost the the point of being unprofessional? I'm not filing
a claim, arguing or bringing a bad attitude to the encounter myself - I've just
been in there to write my road test. Several times. And every time, the same,
miserable service. |
| | Carlyn | August 12, 2015 6:42:29 AM | VIJESHWAR:
The sad reality of MPI coverage for soft tissue injury is that they pay for
a limited number of treatment visits. They don't consider pain to be a
limiting factor. I can't tell you how many times I've heard their staff say
'I know you have pain. But there's no objective reason you can't (work/do
home duties). People live with pain all the time, and they do these things.
There's medication. We've given you the maximum we can.'
The system is legislation-based, and catered to the catastrophically
injured. Even they have a hard time efficiently accessing benefits, as
others on this board have testified. I would not recommend spending money on
a lawyer for the situation you describe.
If your file has not yet been closed, you should still have access to
physiotherapy or athletic therapy visits. Perhaps a change of treatment
method would be helpful. |
| | VIJESHWAR | August 6, 2015 4:11:26 PM | | Around 4 years ago got rear ended at red light and my car small one flown to
the next vehicle 7-8 feet ahead me and got my back and neck jolt where I
have go to what ever 3 months chiropractor and my doctor and they started
with me going slowly to work few hours Begin to start but my job was to
stand whole day hard on my back and neck. One day case adjuster called me
and told me she was came to my work to meet me and I was busy with the
customer and she said I saw that you were not in good shape and she observed
me candid for some time than I my 90 day over and no more chiropractor and
by the time I forced myself to do work full day and take Advil pain killer
one fine day my case adjuster co worker call and asked about me I said pain
and my posture bends forward I need help she told me no more we gave maximum
coverage for you I said pain and stiff neck , solder etc pain she said pain
killer you have to take I am closing your file. I have nothing to say that
time except bey bey.
after close to a year my nabeiour saw me out side walking in pain he
mentioned me go and see this chiropractor and again with my work insurance
and mpi I got few months than again everything stopped I am in pain and need
good Lawyer please contact me vkchohan@hotmail.com |
| | T | July 29, 2015 3:38:50 PM | | Dean I know of one.
A car lost control in ruts on my street. It bounced off my van then off a snow
bank then back into my van. ( I'd never of known it was hit twice )but I found
out because no note was left so when I went to the police station to file a
report there was a car with my vans bright paint down its side.
He explained to the officer what had happened and how,and she told him that it
was "two" separate accidents.
Then wrote it up as such, and hit him for not leaving a note plus expired
licence! (ouch) |
| | Dean | July 27, 2015 7:34:18 AM | | Has anyone ever disagreed with autopac over a claim and then had a so called
reconstructionist come in to look then been forced to pay 2 deductibles. This
happened to me and though inconsequential i got the distinct feeling as i went
thru the process that this was a punishment for not agreeing with them
initially.
When i first brought in the car it was one claim now it is two. If this has
happened or you know of someone it has happened to i would be interested in
hearing your story |
| | Mary Ann | July 25, 2015 10:57:13 AM | As soon as you make a claim for injury, MPI will investigate medical information to the injury being
claimed and past medical history (I believe this may be anywhere of 2 - 5yrs). Section 142 (to provide
authorization to information) and Section 160 gives MPI the right to suspend and/or terminate
benefits if they do not receive the information they requested.
If you have nothing to hide, then I suggest providing the information they request. It is a threat, but
this is how they operate.
Keep in mind, they are people with a job. It's all routine, and bureaucratic, AND they DO make
mistakes!! It's up to the claimant to challenge them when their bureaucratic processes do no make
sense (which is pretty much everything). I've kept everything in writing for follow up purposes and
have used much of it against them and to keep on top of them. This is because there are many grey
areas in the legislation.
It is good to know your rights as well. In Ontario, through private insurance, a lawyer would do all of
this for you, while you heal and recover. When dealing with legislation and legalities of insurance and
claims, a lawyer is needed, but no one in Manitoba can afford it and if one can, it is hard to find a
good lawyer to fight with them.
Through my daughter's catastrophic injuries and in dealing with MPI, I have experienced and
challenged them through;
-their sharing of information without consent (went through the Ombudsman - pretty much a waste of
time, but is a tick on the wall against them)
-their suspension/ termination of benefits (while my daughter fought for life in a coma) another tick on
the wall against them
-their siding with their medical consultants' reviews (through "blind" opinions) another tick on the wall
against them - ONLY A TREATING PHYSICIAN CAN PROVIDE ACCURATE AND VALID REQUESTS
-their refusal to provide case-manager qualifications (medical qualifications in making decisions that
affect a human being's health and welfare)
-their hiring of external case managers (registered professionals such as OT's, Nurses, etc. who have
a Code of Ethics and are bound to their College of profession) and forcing registered professionals to
follow Section 150 of MPI's Act. This is a "HUGE" issue!!
-withheld information and/or provided "wrong" information into specific benefits (they did not provide
information into home renovations to accessibility when requested, and when appealed, IRO based
their decision pointing their finger at me, in which, 2 years later, I am then provided information on
accessing this benefit through their CD manual (which to no surprise, is no longer available) - THE
CASE MANAGER WITHHELD INFORMATION
-fighting for things my daughter needed - when denied - I appealed, and won through using their own
legislation and my own common sense reasoning
Plus many many more issues.
I've fought and challenged everything they've thrown at my daughter through questioning, copying
my emails to their legal dept., and their CEO - Marilyn McLaren, writing direct letters to their Medical
Consultants' private practice, Minister of Justice - Andrew Swan, Premier Doer (when he was),
requested, researched, and investigated as much information as I could, including the Auditor
General's Report of 2012.
It's a lot of work, but after 10 years, I feel I've gotten through, because I'm not backing down EVER!!
And, I'm not going away (until I die)!
I will do whatever it takes to protect my daughter and make sure she gets what she needs in a life she
has to endure every day and for the life that has been taken away from her.
It's hard to explain over and over again, because I've said it many times on this site...MPI's process
in having their Medical Consultant provide a blind opinion and then "use" it in providing a medical
decision is INVALID!! A medical professional can provide an opinion, but the case manager CANNOT
use this or highly rely on this in making a medical decision.
#1. No one knows what information the Consultant has been provided to review (only the case
manager knows what was provided); #2. The Consultant never sees the claimant; #3. The case
manager is not qualified to "use" that information in providing a medical prescription/decision for the
purpose of a claimants' medical health and recovery!! A claimant's medical recovery and success to
returning to the workforce and/or living is in the hands of the case manager!!
Provide the information needed in accessing benefits, but keep track of everything, don't let them
intimidate you and CHALLENGE everything!! No one in the gov't (even though they believe in MPI
and think it's the best) actually knows what the injured has to go through in accessing benefits unless
they've actually been there. Reading about how good MPI is and make themselves appear to "help
and assist", is completely different than being injured and needing and depending on benefits for
survival. Injured people should not be going into debt and/or losing their homes and hard-earned
savings waiting for benefits or being refused benefits. |
| | Yup that's me | July 24, 2015 1:55:53 PM | | Is anyone else concerned with MPI having control and info for our Medical
cards being integrated into the one piece drivers licence? This seems awfully
scary, they have so much control already, what could they do with our Medical
Info as well? Ok, I'm done with my conspiracy theory rant... :) |
| | T | July 24, 2015 11:03:45 AM | | Hello, I have received a MPI Authorization request in order to obtain medical
information however unlike other requests this one does not list a Doctor or
health care provider.
I am leery to sign such a request without knowing who exactly they will get
info from or share with, but they've outlined section 142 & 160 in the "ACT" as
intimidation I guess.
Any thoughts or experience would be appreciated . . .
T |
| | Carlyn | July 2, 2015 8:38:27 PM | Wow... that's sad to hear, T. My challenges with MPI are nothing compared to
what theirs will be /have been. Who hasn't seen that news story? :( My heart
goes out to them.
MPI will likely cover some of her recovery costs, maybe child care, lost
wages if she worked, etc., since her injuries were obviously caused during
the operation of a motor vehicle. They will also likely cover his
physio/chiro, etc. for MVA injuries if he was also injured when his vehicle
was rear-ended. Not his burn injuries or any other injuries sustained while
rescuing his wife. Which I hadn't really thought about until now. :(
It's unfortunate that his burns will not be considered a result of that same
MVA. They're applying the rule of the legislation - coverage is for injuries
incurred in the operation of a motor vehicle.
Your post helps to explain the crowd-funding campaign that's active for the
family. May they receive the support they need to get through this difficult
time. Hopefully they've got some other form of insurance that will help.
There are a lot of drivers on the road who make stupid, potentially lethal
decisions, including the one who caused this collision. When will people get
the message that when behind the wheel, they are driving a potentially
lethal weapon? |
| | T | July 2, 2015 8:07:15 PM | | A woman following in a car behind her husbands lead car was seriously rear
ended on the Hwy and burst into flames. She was trapped in a burning car so her
husband rescues her and seriously burns his hands getting his wife out of her
car.
The man is a self employed mechanic and was denied any MPI compensation for his
injuries!
Take note Manitobans, MPI would have you stand on the side of the Hwy with your
family to watch and listen as your Wife / Mothers screams until she dies a
horrible burning death than compensate a hero for saving a life!
NO SHAME MPI! |
| | Garry | June 30, 2015 12:31:19 PM | | Corruption in MPI road testing:
We've experienced first hand corruption in MPI road testing from direct
evidences. My family members gave road test and despite driving vehicle safe
with two minor mistakes, she was failed several times.
We've found out that for MPI, re testing means $30 each time going into
their coffers. The examiners have been told not to pass more than 10%
candidates. When we try to find out reasons, they make their stories. Being
honest, when we asked for camera installed while testing, MPI scared being
caught red handed in corruption indulged activities.
We are going pillar to post for change in honest system but road testing is
nothing but money grab. Why they are scared of taking test with camera
installed to be honest? This all tells about the money grabbing policies of
MPI. At the end of testing, examiner with soft face give you pience of paper
with some drawings. If MPI can install speeding camera worth thousands of
$$, camera cars at every intersection, can't they use technology for road
testing.
Shame on MPI for money grabbing of poor people. |
| | MaryAnn | June 30, 2015 12:01:44 AM | Just in addition;
It is frustrating to have the rates go through the roof, but like I said the Corporation is run by the
provincial gov't. One force driving an entire system! Take a look at the province as a whole. All
entities back each other up. So, imagine the injured trying to fight for just some physio, or a
specialist's appt. MPI will impede every approach to healing and recovery. So, if people think the
rates are terrible, think about having to access coverage and benefits.
MPI will tell you different because ratepayers are a priority/asset to the Corporation, but when injured,
you become a liability. It's hard to believe when a person has never had to access benefits, but
people need to know if they are ever injured, that not only will they have to fight tooth and nail to
recover, but also in accessing benefits.
People need to know this! Why?? Read Stephen Fletcher's book "What Do You Do If You Don't Die".
Learn from those who have survived and have had to access benefits. No one ever "plans" to get
injured, it can happen to anyone at any time.
I've provided a lot of information on this site in previous comments since 2011 in hopes that people
will figure out how to go about obtaining benefits and/or learning the system. I've spent 10 years
doing so through advocating on my daughter's behalf. The processes are the same, no matter the
injury...request, denial, IRO appeal, AICAC appeal. Knowing the Legislation and Act plus some, really
helps along with rationales and reasonings to the "request" step. |
| | MaryAnn | June 29, 2015 7:52:32 PM | Sabrina,
Just like taxes, rates go up. MPI is a provincial corporation. This is just a guess, but the live/risk
area may have to do with crime rates, such as theft; vandalism, and/or where the most accidents
happen; higher traffic areas such as in Winnipeg. Rates may be lower for those living in smaller
communities that have less claims.
The bigger problem with HIGH RATES is, when one needs access to funding for an injury claim
through MPI, they are in for a huge battle without a proper advocate or representation. |
| | Sabrina | June 29, 2015 6:21:22 PM | Hi goodevening, i want to ask how to they calculate these exorbitant autopac payments? i have a flawlessly
driving record, I looked within my 5 years history of payments and I just saw every year their just going up!
what's their basis on these skyrocketing payments? it's like paying for a 2nd car!
and why/how do they calculate on where do you live/risk areas? I have a friend who's driving for 3 decades
in north end nothing ever happened, but some of my friends had an accident on a less traffic area, it just
doesn't make sense to me.
thanks! |
| | Carlyn | June 28, 2015 12:10:22 PM | | Shruti: Check with your business insurance provider. MPI doesn't typically
cover contents of vehicles. I have no idea whether that applies to commercial
as well as private vehicles, as that's outside my experience with them. |
| | Shruti kang | June 26, 2015 3:42:48 PM | | I am wondering little help here. we are a small trucking company,one of my
truck was in accident. My customer whose load was there is asking for Cargo
claim as the cargo delivered lately is not in original shape as it left but my
adjuster is not giving me an answer on it... Also there is no loss of use
coverage because of my agents fault. could anyone guide me on this issue. to
how to claim for cargo.. |
| | Carlyn | June 23, 2015 10:09:56 PM | I empathize with you, Lea. It's sad to see rehab/reconditioning
programs/"independent professionals" and MPI feed off of each other. They
claim that they rely on legislation that limits costs for the good of all
Manitobans. Yet claimants who are dealt with the way you (and I, and many
others) were suffer. Individual Manitobans go broke, and end up in desperate
situations. Consultants are paid exorbitantly high rates to cater to MPI's
requests. Sometimes much more than MPI would have paid to the claimant or
the claimant's care provider if MPI hadn't acted on their magic date
formulas to trigger sending them to the consultant.
I'm sorry that this has been your experience. I've been there, done that.
More than once. Without a lawyer. I went through internal reviews, appealed
to AICAC, and went through mediation. I won some battles, and lost others.
I've been spitting mad, in tears, or left shaking my head many times at the
unreasonable stance some case managers take, and their illogical, poor
customer service. Aggressive, intimidating, unethical at times. Lack of
clear communication. Poorly documented conversations. Reliable inside
information that my case manager was telling the consultant that they needed
to write a report that led to termination of funding, though the consultant
still felt it was needed.
The sad reality is that unless you have clearly documented medical evidence
that definitely shows that you CANNOT be at work, MPI is very quick to
terminate benefits. Slow to provide help, quick to close doors. Dealing with
them takes determination, persistence, and good documentation and research
skills. They operate on a "guilty until proven innocent" basis, where the
burden of proof rests with the claimant, not the insurer. They count on
wearing us down, and getting us to give up. They've even worn down many
medical care providers, so that they are quick to tell patients that MPI
won't help, when the reality is that there is often a possibility that, with
the right documentation and the right arguments, MPI can be convinced to
step up to the plate and fulfill their obligations.
If you have really solid medical documentation, and you haven't exceeded
their appeal timelines, you have appeal options that don't require a lawyer.
You might consider having a friend advocate for you or attend with you, if
you're not yet mentally up to the task.
Above all, take good care of you. Do what you need to do to continue getting
better, and try not to let the craziness of dealing with MPI get to you more
than it has to. |
| | Lea | June 22, 2015 10:10:54 PM | | I'm just mad as a hatter. I got sent to reconditioning way before ready and it caused worse
concussion, back pain etc. I wanted a rep with me to meet with doctor at that clinic so dr moves appt
up so there is no time. He agrees the program didn't work for me. Says he has NO SAY on the
results , it's all up to MPI. Mpi won't answer my calls for 3 weeks during program, but 1/2 hour after I
left the progam I get email and phone call message saying I am removed from work replacement
salary . Because the doctor says I'm fine . So I get a lawyer .. I'm still confused and concussed and
he says he will help. Now 9 months later and broker than I have ever been in my entire life. He
keeps saying there is not evidence I couldn't work last fall... Except for the multitude of documents I
had that stated I wasn't fit . No justice! I never wanted to believe the injustice but now I see it, I'm
finally ready for short shifts of a simple minimum wage job. But now the stress is mounting again . I
feel for the more severe cases out there. This is not fair., where does one turn . I sore aft talked to
mla. I'm ready to be real squeaky wheel here. Is there a point ? Do we ever get compensated? If our
Mpi worked and our lawyer is not on our side .. What else is there to do? Living on homemade bread
(bought bread is too expensive) and water here... I'm sure many of you can relate . |
| | Carlyn | June 21, 2015 1:11:50 PM | | Rates effective March 1, 2016, not 2015. |
| | Carlyn | June 21, 2015 1:11:06 PM | | I found it. This is a Public Utilities Board hearing regarding MPI application
for insurance rates and premiums for compulsory vehicle and driver insurance
as of March 1, 2015. MPI is seeking no overall change in basic premium
revenue, with premiums varying. Pre-hearing conference is 9 a.m. June 24, 2015
at the PUB Board's hearing room, 4th floor 330 Portage Ave. The hearing is
October 5, 2015 at 9 a.m. For more information, call the PUB at 204-945-2638. |
| | Carlyn | June 21, 2015 12:17:05 PM | | MPI posted a notice in the weekend edition of Winnipeg Free Press regarding
upcoming public meetings. I got overzealous in recycling, and cannot find that
page anymore. Anyone else have the specific info? I can't find it through an
online search. |
| | John Doe | June 9, 2015 1:32:52 PM | I had purchased a service for a class 6 road test at the St. Mary's Road
service centre. The specified appointment time and the time given to me from
the MPI agent on the sheet said 12:00pm. I arrived at 12:02pm and the
receptionist got the test adminstrator and at that point I was told that I
was no longer able to take the test. But had stated I could sit around all
afternoon and wait to see if there was a cancellation or no show. Then the
receptionist asked if I would want to reschedule for a later date. Then I
was passed over to a service agent that began to look up times for future
appointments. I booked a appointment for a later date without being told
that in doing so the service I was waiting to see if I was able to use was
being cancelled or "consumed", as the service agent later said. So at this
point I was longer even able to wait and see if the appointment after me
even showed up let alone wait to see if I spot would have opened up before
my patience expired. So I have two maybe three complaints with how MPI's
service was offered:
1) if the appointment time given to me by the service agent stated 12:00pm
then why was I told that I was 15 minutes late and unable to receive the
service that I had paid for? Also I do understand that I was two minutes
after the scheduled appointment time but was is there not time to be able to
flex 2 minutes? Or was the test administrator just looking to extend there
meal break... this seem a little unreasonable and I understand that it was
the judgement call of the administrator seeing that he receptionist went and
got her. I was polite and calm in asking if it was possible so it is not as
if I was being unreasonable or anything of that sort.
2) If i was to be 15 minutes ahead of the scheduled appointment time why was
I not notified of this by the agent that sold me the service in the first
place. Also the agent that had rescheduled me didn't notify me of that in
regards to the future appointment either.
3) When rescheduled I was not made aware of the fact that by looking at
available appointments for future dates the ability for myself to wait today
and see if an appointment would open up. This I learned after the service
that I had paid for was cancelled.
Is being 2 minutes late to an appointment a real excuse to refuse service
that has been paid for in advance? |
| | T | May 30, 2015 11:22:20 AM | | Thank-you for the good Info received.
I have been to the ARCC and it is an adult day care!
" Dr. Hoy " as he's called, I looked for on the Mb list of Physicians and could
not fine him!
MPI sent me to ARCC. I did 1/2 of the program, and it actually made my
condition worse!
My Doctors wrote notes stating I am not able to participate and I walked out!
They have cameras in the ceilings so be aware if they send you.
I think ARCC is something MPI can manipulate findings of claimants Doctors and
Specialists that have decades of knowledge and experience!
What a sad way those Case Managers have to make a living! Knowing they're
screwing rate payers who cannot work! I know I couldn't do that job! I couldn't
sleep at night if I knowingly brought hardship upon the sick and injured!
I believe it's time to take MPI out of the Governments hands!
T |
| | Carlyn | May 30, 2015 6:51:46 AM | Diane:
My understanding is that the MVAS support group has become dormant for the time
being. You can find some support on this blog.
MPI is expected to limit the cost of claims. They push to get claimants back to
work as soon as possible. If a claimant is able to do ANY work, even if it's
not the work they did before their injury, MPI will push for that.
Without knowing the particulars of your situation, it's difficult to offer
advice. A few additional questions to ask yourself before laying out money for
a lawyer: Why do you feel that you are unable to go back to work? Are you able
to hold ANY employment, even if it's not your previous employment? Do you have
medical backing for your position? You will need medical evidence, usually
something measurable, to be successful in fighting them.
If they are pushing you to get back to work, and you haven't yet recovered, you
may consider asking them to send you for a rehabilitation program, or
retraining for an alternate occupation if you can't return to your previous
work.
AVOID ARCC/Dr. Hoy if you can. We have heard of many people who were injured by
their program, which is not customized to the individual, and discharged with
the claim that they were well enough to return to work.
Remember to take good care of yourself physically, mentally, emotionally,
spiritually, socially... You are the most important person in your recovery.
What you do for yourself is more important in promoting wellness than any
therapy or treatment. There are community resources that may be able to fill
gaps that MPI or MB Health do not cover. |
| | MaryAnn | May 29, 2015 1:19:19 PM | Diane, if you click on "View Our Web Blog", it just opens up all the comments made on this site.
I don't think the "support group" is up and running.
I'm not sure what to tell you with regards to legal reps in Manitoba. I know MPI has at least 15
lawyers working for them.
What kind of injuries have you suffered? You don't have to answer that, but after 4 1/2 years of
having a claim with MPI, I'm assuming they must be somewhat severe?
With regards to your issue and of course depending on the situation, are they sending you back to a
previous employment? Are you able to do so? Are there special requirements needed? Is MPI just
stating, "Get back to work"? What has your doctor and/or treatment team recommended? Have you
requested Vocational rehab through MPI and is this something you can even consider and/or discuss
with your doctor? |
| | Diane | May 29, 2015 9:33:37 AM | | Why can't I get into blog , support group other $%!# keeps popping up |
| | Diane | May 29, 2015 9:26:17 AM | | I just tried calling wilder/wilder they no longer work on mpi claims any suggestions |
| | Diane | May 27, 2015 3:20:24 PM | | I tried to get into support group no luck I was injured 4 1/2 years ago as a pedestrian mpi is pushing
me to go back to work I need a good lawyer and support on how to fight mpi ? |
| | Carlyn | May 22, 2015 1:35:41 PM | Hi Crystal,
I haven't personally dealt with any of the lawyers. I just know they exist. If
you mail me at notthatintoyou@live.ca, I'll send you the contact information I
have for the advocate. |
| | Crystal | May 22, 2015 1:12:39 PM | Did anyone save a copy of the wilder/wilder article that Legal Read posted in
March? (See link below). I tried the link and it says "page not found", so it
has been taken off line... rats..
Legal Read March 10, 2015 6:28:53 AM
http://www.wilderwilder.com/law-practice/mpic-i-autopac-benefits
A good read from Winnipeg Law Firm that knows MPIC. |
| | Crystal | May 22, 2015 12:55:27 PM | I just read Carlyn's post from May 15, 2015. Carlyn, you mention that there
are some lawyers and at least one advocate in Manitoba that are helpful with
MPI claims. I understand that these people will need to be paid; however, I
would still be very interested in knowing how to contact these lawyers and
especially the advocate. If you (or anyone else) could let me know who these
are and how to contact them, I would very much appreciate it.
Thanks... Crystal |
| | Carly | May 18, 2015 7:14:02 AM | Again, I agree. As long as government controls the insurance monopoly, we have
little hope for positive change. They try to make things black and white,
where there's lots of grey. They focus too aggressively on category of injury,
timelines, and controlling costs. Not where they ought to, on helping the
claimant to recover to a functional existence, based on their own unique
situation. They have no incentive to provide good customer service, because
the customer has no choice but to deal with them.
Sometimes I just need to vent, before I explode or self-destruct. :) |
| | MaryAnn | May 15, 2015 9:17:15 AM | Unfortunately, the claimant must become their own lawyer and learn how to read the Legislation,
medical documents, etc. and just know how to get through the system...while trying to heal.
I have a real problem with the case managers, especially at the beginning of a claim...no matter the
injury. They just do not know how to help people get the benefits needed at the onset of recovery
and work through it properly. Some claimants don't need as much rehab, but providing the proper
support and treatment is vital. Anyone injured in an auto accident needs some sort of support just in
working through the trauma itself...then, more than likely some physio, OT, perhaps some SLP,
medication, assistance at home, Income replacement. It all takes time, but MPI misses the boat on
too many occasions on how to help through the steps of recovery.
Then, of course, there's long-term injuries that will never go away or will always cause issues
throughout life. The legislation just isn't geared to support injury. MPI works by the book and injuries
don't.
In my opinion, auto insurance doesn't belong in gov't. |
| | Carlyn | May 15, 2015 7:29:09 AM | Agreed, MaryAnn. It would be very helpful to have a lawyer or an advocate to
fight for us, so that we can just focus on recovery. The added stress of
trying to figure out this whacked out system is not helpful.
There are lawyers and at least one advocate I'm aware of who can help a
claimant. Like you said, that's also a fairly no-win situation for the
claimant, because they need to be paid, and there are no lump sum settlements
that I'm aware of for anything short of catastrophic injury (loss of limb,
permanent scarring, permanent loss of motion, death, etc.) |
| | MaryAnn | May 14, 2015 12:36:14 PM | | Also, Carlyn, if I may add; In Ontario, normally an injury lawyer would gather ALL medical information
and everything needed on the file from all aspects to an injury including the treating physicians and
professionals involved on a claim. In Manitoba, one would more than likely not be able to afford a
lawyer because it would come out of your pocket. |
| | MaryAnn | May 14, 2015 12:32:18 PM | @ Carlyn
I know! If you look on MPI's website to find out what one needs to join the MPI team as a senior case
manager, it's pathetic!
There is no "nice" case manager or even at the very least trustworthy. They have a job and an
agenda - deny benefits and get the claimant off benefits. And that's only "after" one can prove they
need or deserve to receive benefits. I know what they say, but it doesn't work the way they portray.
For one, their consultant has no idea if they even have all of the information needed in providing their
"blind opinion". The claimant doesn't know what was submitted to the consultant - only the case
manager knows what was submitted. Do they lie? Yes! So, my issue is, is any decision they make
even valid? NO! Their processes are Mickey mouse and geared to satisfy the goals of the
Corporation. They won't even give me the names of the consultants used on my daughter's file.
Maybe because I keep investigating and asking questions? The case managers DO NOT have the
qualifications to override a doctor's opinion, especially the treating physician!! What authority do
they have in doing so?
I've written directly to their consultant in getting answers. They probably don't like that, but oh well!
I have my own agenda, and that's to make sure my daughter is treated fairly and receives the benefits
to which she is entitled, because (even though it is written in Section 150 and is the case manager's
job) I know MPI won't. |
| | Carlyn | May 14, 2015 7:34:10 AM | Who is responsible to get medical information for an injury claim file? I
thought MPI would ask my care providers for medical information. I directly
told them that this information was available. I asked them to contact my
care providers to confirm what I was saying.
Getting a copy of the entire claim file is enlightening. I strongly
encourage anyone who is dealing with MPI for an injury to do so.
There is no evidence that my case manager attempted to contact my care
providers after my requests. Occasionally she would send them a short form
to check whether a medication was prescribed because of the accident. There
are no requests for status updates or more medical information on file. When
she wanted more information, she would go to her own consultants, who often
hadn't met me, and were relying on the paltry medical info on file.
When I asked her whether she had contacted my care providers, her response
was that she had sent them the decision information. If they had issues with
it, it was up to them to respond. Yet that's not the way she worded the
letters sent to them. Those were worded along these lines: This is the
decision. If you have any questions, please contact me.
When dealing with her MPI consultants, if she didn't like the answers she
was getting from one (felt they were too sympathetic?), she started asking
another instead of that one, even if the other one had no prior knowledge of
the details of the situation. The 'other one' was obviously brought in as
their "Terminator".
My case manager had many undocumented phone calls. I know some of these
conversations happened, because I heard about them from the other party.
They're not on the record. I know that she told MPI consultants the outcome
she wanted, though she has no medical training. Her notes about our
conversations are very selective too.
This is a CASE MANAGER. They should be managing the case. Objectively
gathering information. Making sure they have all the facts before making
decisions. But that's not how staff at MPI work. Maybe some staff do, but
not the one I'm currently working with.
Don't assume that they will manage your claim the way you would expect them
to. That they will honestly inform you of all of the benefits to which you
are entitled as a result of your injuries. If you have medical information
to submit, ask your care providers to submit it to MPI. Or to document it
for you, and you submit it to MPI.
My experience has been that case managers rarely objectively contact our
care providers for updates or information. |
| | Carlyn | May 13, 2015 7:00:39 AM | Lee: You need to gather evidence that your vehicle is worth more than they
are offering you. Gather your receipts for recent repairs (Not basic
maintenance. Repairs or improvements). Gather and print out comparable sale
listings in Manitoba. They may accept SK listings too. Remember that a buyer
doesn't typically pay full asking price.
I went through this process before they came up with the current team
approach. Some things may have changed, but I would expect that the above
still applies. I got a better value for my vehicle than they initially
offered.
Your adjusting team should be able to provide you with more information
about the current process. |
| | Lee | May 12, 2015 11:54:23 AM | | I have been arguing with Autopac in Manitoba for 3 months about how much my truck
is worth. I can not get them to budge on what they want to give me as a
settlement. The truck was stolen out of my driveway by a bunch of delinquent
little scavengers. And I just cannot get them to give me anymore money for my
vehicle. What can I do to make them budge on the settlement price they are
offering me???? |
| | MaryAnn | May 5, 2015 6:13:36 AM | | You'll need that info in writing. |
| | MaryAnn | May 2, 2015 10:34:55 PM | Glad you asked. I've had a couple external case managers.
First of all, who is the external case manager, as in what is their background/qualifications? Request
their Curricular Vitae (fancy word for resume). Are they a professional OT or something like that, who
is registered to a College?
Secondly, ask your MPI case manager "What is their role as case manager, AND, what is (external
case manager's name here) role as external case manager?
Get that info first. I have further information on what to do after that. |
| | Me | May 2, 2015 7:40:11 AM | | Has anyone had an external case manager assigned to their PIPP file? If so can you give me some
info on how it helped or made the situation worse? I've had an injury file for 20 years now and have
had several surgeries. Numerous case managers but the one I have now is a nightmare. She has
done everything to make this claim difficult and has caused so much stress in the past year. She
released too much info to my employer and I lost my job and benefits because of her. Ombudsmans
office was told by MPI that she did say too much but they continue to leave her on the file. At the
request of the AICAB an external case manager is to be assigned as a mediator. |
| | Carlyn | April 30, 2015 7:16:00 PM | Joebeaver: It's best to check with your MPI adjuster, as they'll be able to
respond to your particular situation. IMHO, there's little chance you would
personally be found at fault, as you state that you were neither the driver
nor the supervising driver at the time of the accident.
Whether they repair the damage or write your vehicle off depends on how bad
the damage is. If they do write it off, unless you bought their
supplementary new vehicle insurance, you likely won't get anywhere near what
you paid for the vehicle, as vehicles depreciate significantly in the first
few years of use. Hopefully you'll still get enough to pay off the balance
of your loan.
If you think write-off is likely, start researching what other vehicles like
yours are currently selling for in MB. Print out the listings, and keep them
on file. You may need them to negotiate a fair final buy-out price with MPI. |
| | Joebeaver | April 26, 2015 5:01:25 PM | | Term not lease** |
| | Joebeaver | April 26, 2015 4:59:38 PM | | I am financing a 2013 sedan on a five year lease. It will be 2 years in June 2015. My car was in a
single vehicle accident with a 5L driver. I was in the vehicle at the time but not the supervising driver.
If my car is written off what will happen? Who's is at fault? Will this affect my license? Can someone
give me an idea of what to expect. |
| | Carlyn | April 26, 2015 12:12:57 PM | Did you fully recover from your WCB injury, T? If so, it's hard to say why
they would need info regarding an injury that long ago. They generally
request medical information for injuries 2-5 years prior to the MVA.
I can see a couple of possible scenarios:
- they may be thinking that your injury is flareup or residual of the WCB
injury, rather than a new MVA injury, or
- they may recognize that due to the previous injury, it will take
longer/more treatment to recover from the current injury.
If your doctor feels that the WCB file is completely irrelevant to the MPI
claim, have them respond to MPI's request for information, stating that to
be the case. |
| | T | April 24, 2015 4:44:44 PM | | Thank-you all for the info, isn't it sad that if I was hurt in a no fault MVA
one Province away I'd be paid 10 fold with the same premiums!
SIGH
My C/M has also asked for a copy of my WCB file that is 15 yrs old. I mentioned
I had hurt that body part before and now I'm not sure if I should be handing
this over!?
Is it any of there business what happened on a WCB claim (closed),and how can I
tell them to go fly a kite!?
Thanks Folks . . . T |
| | MaryAnn | April 24, 2015 11:17:51 AM | @ T
Yes, Carlyn is correct. You must participate in these assessments. As much as the claimant must
participate in working toward getting better, MPI must also participate and consider ALL aspects in
assisting this. Meaning, for your own records, you also need to make sure you have
documentation/reports, such as a "before" and "after" assessment from ARCC, doctors' reports, and
anything from your employer with regards to previous performance, the company's ability and/or
inability to assisting alternatives so that you can perform the duties to your ability. You may just need
more time in working towards full-time hours. I don't know the whole story, so depending on the
circumstances, the OT could recommend a time frame such as 12 weeks at which time they could re-
assess endurance and stamina. It takes time for injuries to heal and to get back to a previous state
following an MVA, and sometimes depending on the demands of a job, it just isn't going to happen
and other alternatives must be considered. Everyone is different and certainly every injury is different.
If in the end it is not reasonable and/or suitable for you to continue at your current employment, then
MPI must consider the alternative in assisting vocational rehab in changing careers to something that
is suitable to your abilities due to injuries caused by the MVA.
However, one must go through the processes first. |
| | Carlyn | April 24, 2015 10:16:06 AM | | And, if you go to the website for the OT you're being sent to, heading
workplace solutions, (http://dynamicot.ca/workplace-solutions/ if Google got it
right), you'll note the emphasis on "essential demands" of job duties. If there
are more demanding tasks that you would normally do only on occasion, or for a
short period of your day, they often aren't taken into consideration, or are
discounted as being non-essential. Or at least that was the case for my
assessment and resultant decision. |
| | Carlyn | April 24, 2015 10:11:18 AM | T: Please scroll down to my comments from Feb 28, regarding FCE. FCE/Job Demand
Analysis is a tool MPI consultants/rehab programs use to determine whether (in
their opinion) you are able to perform your normal job duties.
It's possible, depending on your case manager and the assessor/OT, that this
assessment will result in workplace recommendations that might allow you to
resume normal job duties with some modifications or assistive devices.
If the results of that testing show that you meet their criteria for being able
to do your normal job, your IRI will most likely be terminated. If you resist
having this testing done, without a good reason, they may also decide to
terminate your IRI. |
| | T | April 23, 2015 8:31:00 AM | | My case mngr sent me a letter notifying me that a Physical Demands Analysis has
been requested by " Dynamic OT - Occupational Therapy Services " be completed
at my work place to determine the physical demands of my position.
My job is at times demanding and my Doctor says only a desk job would work, but
my employer has stated to MPI they do not have that type work for me.
I could only complete 1/2 the ARCC Program before Pan Am Clinic told them it
was making me worse, and so I quit.
Does anyone have knowledge of what I can expect from this assessment that they
state will affect future decisions regarding my claim.
Thank you for any info . . .
T |
| | Nancy Mousseau | April 17, 2015 1:40:04 PM | | Let's fight these $%!# s!!!! |
| | David gow | April 15, 2015 8:14:02 AM | | Not a personal injury case. Just an unfAir practices issue. My policies expire on Dec9/14. On
dec10/14 I attended a broker to renew. I always pay in full for the the year for my various vehicles
MPIC automatically attached a Snopass to my snowmobile policy based on the fact that I prchased
one the previous year in febuary. I told the broker I would like to by my snowmobile reg.
butdeclinedthe Snopass. She told me I have to buy the snopass and contacted someone at MPI who
concurred. The brokers advise to me was to wait until Jan10/15 and the policy will lapse at which
time I can renew without the Snopass. Well MPI have sent me numerous letters that I am in arrears
for my Snopass and i can't renew my drivers licence or any other policy until I pay up. They have
also sent my case to a collection agency and are threatening my credit rating. I have repeatedly
asked for documentation on their policies binding meto the Snopass by nothing has been provided. I
asked for an appeal process which amounted to email correspondence with a representative
explaining their policies with no written documentation . What would you consider my next course of
action to be? |
| | Carlyn | April 14, 2015 9:44:49 PM | Classic MPI injury claim case management behavior: shuffling case files,
without informing the claimant that their claim has moved to a different
department or case manager. Insisting on telephone or in-person
conversations, and selectively making notes on those conversations. Having
conversations "off the record" with consultants and health care providers,
and telling them what the desired outcome of their report is (termination of
benefits, usually). Requiring that claimants provide information in a timely
manner, yet not returning that same service to the claimants. Requiring
claimants to do a lot of the case management for their own claim. Paying
thousands of dollars and investing many manhours to get the result they want
(no payout/benefits to claimant), rather than hundreds of dollars to help a
claimant.
How they get away with this level of abuse of power is baffling to me. If
ever MPI is privatized, there will be MANY people who choose any other
provider but MPI, because they have such a poor reputation for customer
service in these areas. We buy insurance with the expectation that when
there is a loss, it will help to make us whole again, to restore what was
lost to us. |
| | MaryAnn | April 7, 2015 9:02:41 PM | | This is just a guess, but I have to wonder if the company where your cousin worked may have
terminated his/her employment due to a conflict of interest due to being sued?? I have to wonder if
that's a possibility as he/she HAS to sue for the liability due to the severity of his/her injuries. |
| | MaryAnn | April 7, 2015 8:48:54 PM | There are no "nice" insurance companies out there. Dealing with insurance is an absolute nightmare!!
They don't hand things over and it takes a long time for claims to settle in Ontario. But, once they
do, you never have to deal with the insurer again! With MPI, when one has a long-term claim, you are
with them forever!!
I can only hope your cousin has a successful recovery or has a good lawyer working on contingency
and makes sure he or she gets the financial assistance needed. The lawyer should be doing ALL the
paperwork including gathering ALL the pertinent information with regards to the accident itself, the
injuries, reports, medical information previous and current, all work related skills, etc. Recovery is a
very slow process as well as the claim itself. It has to be, in making sure long-term needs are
covered into the future.
A good lawyer will work with your cousin and do what they can to get the liability owed along with
med/rehab and legalities thereof. The important thing about Ontario insurance is that you insure
yourself. I make sure I have the extended benefits in case I ever need it. This includes additional
coverage for liability and med/rehab, home keeping, and personal care. If another person is at fault
and does not have the extended coverage, I know I do.
I have had experience with both Public and Private insurance, and the difference between them is the
financial assistance to having a lawyer deal with the legalities while one is working on survival and
rehabilitation. The other plus is that once a settlement occurs, you are done with dealing with the
insurer. |
| | Mel | April 7, 2015 4:29:14 PM | | Do not believe the blogs that state Ontario insurance is so good as i had a
cousin that broke her neck in a van rollover and was treated like a piece of
$%!# by her insurance company .. What is even more On studitity is that she
worked for that company and when she could not get to work after 3 weeks of
hospital stay she lost her job as she was a no show at 9 am on Monday morning .
So dont tell me about Ontario Ins companies With this said im not saying that
MPIC is great but they are not the only bad appeles out there |
| | Michelle | March 31, 2015 6:37:31 PM | Goodevening, how can we stop this exorbitant Autopac payments!
It's like im paying for a second car! - for nothing!
They had increased 2% 4 months ago, then they increased another 3% this month, for what? No basis on
this increase - and don't they ever dare to tell me their out of budget!
This is theft itself! |
| | Alex Redman | March 26, 2015 10:47:27 AM | Hi,my story no big issue, but it is shows how MPI service people,how they waist
taime of people. I am new comer to Winnipeg,my friend have vary poor english.He
got in small exident,no damage involved.They second guy did claimed, and my
friend receive letter that MPI need statement. My friend cant call,as I
mentioned hes lenguage poor, so he take time from job ( MPI work only during
work hours of peple) and goes to office, they turn him around, becose he hav to
call!!! He ask me to call, then I spend another 30 minutes trying to help my
friend,but becose I don't know what year his car, they turn me around too.
So tomorow I hopefully will be able to finish this complicated and risky
task-let PMI to know that my friend agree that exident heppened, and he rady to
take responsibility for it.
Acordint to my experience, MPI does sucks. |
| | WittsEnd | March 16, 2015 10:08:03 AM | MaryAnn,
Agree ... email everyone responsible for MPIC.
The bottom line is = Mainly, their Bonus. I wonder when they will appear in the
WhistleBlowers of Canada list?
Thank you |
| | MaryAnn | March 13, 2015 8:46:17 AM | | I have always emailed or written to the Minister of Justice/Attorney General directly with copies sent
elsewhere. |
| | Carlyn | March 13, 2015 7:23:30 AM | | @WittsEnd - did you get positive results from talking to the Executive
Assistant to the Minister? |
| | Wittsend | March 12, 2015 4:21:42 PM | If you have any problems with MPI this is where you need to call
Mike Keenan
Executive Assistant to the Minister
Responsible for Manitoba Public Insurance
P: 204-945-0792 |
| | MaryAnn | March 10, 2015 3:33:49 PM | Thanks for the read.
How much do they charge an hour? I imagine anywhere from 300 - 450.00/hr.
What guarantees do they offer and if a person doesn't get the benefit, then what?
It's pretty sad and unfair for injured people to have to pay a lawyer to assist them with the legalities
of insurance when there is no liability or tort.
MPI uses "rate" money to pay up to 15 lawyers within the Corporation to get their own legal advice
and fight AICAC claims and whatnot. Claimants should have the same access to this as MPI does. |
| | Legal Read | March 10, 2015 6:28:53 AM | http://www.wilderwilder.com/law-practice/mpic-i-autopac-benefits
A good read from Winnipeg Law Firm that knows MPIC. |
| | Carlyn | March 8, 2015 8:21:24 AM | @MaryAnn: I agree that it would be more appropriate for MPI to use truly
unbiased rehab specialists to set up plans for claimants that actually help
them to get better, from day one of a claim being opened. Including getting
proper documentation in place.
They need to be able to create individualized plans to help people recover for
any and all MVA-related injuries. That's not the reality of the current
system, which is sadly lacking in that area. |
| | WittsEnd | March 8, 2015 1:52:17 AM | T
I have been to ARCC. And you are correct, it is private and owned/kept in
business by insurance companies including MPIC and WCB.
Dr Conrad Hoy use to work for HSC Rehab 800 Sherbrooke. He was let go (I
understand) because he was doing more harm than good. You can go to Broadway,
see Dr Chase if you are seeing Dr Hoy because Dr Chase fixes all the messes
that Dr Hoy makes. Dr Chase has been doing it for years, fixing Dr Hoy messes.
If Dr Hoy wants to give you shots or do Trigger Point RUN and get a second
opionion because this is the area that he is NOT good AT besides every thing
else. File a complaint with the College. Actually he is in there in the
complaints and what action was taken against him.
Dr Hoy has to make money somewhere he can't work for WRHA so he is now private,
paid by insurance. and dissing all his cx-ollegues that work for the province
by disqualifying all their diagnosis. So, yes, you are correct. This doctor
will not help you to heal, hopefully he doesn't harm you more than you already
are. If so, I would document that ... because who sent you there is reponsible
for the damage Dr Hoy causes you. I wouldn't let him guide you in your
health ... get 2nd opionions on everything that useless doctor recommends. He
isn't qualified.
Dr Chase
MFL Occupational Health Centre
102-275 Broadway, Winnipeg, MB R3C 4M6 |
| | MaryAnn | March 7, 2015 11:01:34 AM | Just to add;
An OT can expand on their professional skills to do this (Rehab specialist) and set up proper
programs to getting injured people back into the community and/or back to living and functioning and
a contributing part of society. A good social worker would also provide access to proper community
resources that would work!
There are things that can be done that are more efficient and cost effective. MPI just doesn't know
how to do this. |
| | MaryAnn | March 7, 2015 9:40:54 AM | Thanks Carlyn!! That was very informative!! I have heard of work hardening, but haven't had to deal
with that. So, I don't have experience with that or know exactly how it works. Sounds like a hokey
set up and just proves that injuries are discounted by the gov't. Auto insurance doesn't belong in the
hands of the provincial gov't.
I believe when an injury claim is opened;
1. A Rehab specialist (such as an unbiased professional OT obligated to their College and Code)
should be assigned to assess losses and damages. (I understand this is hard to find in Manitoba).
2. The rehab specialist would get all the paperwork in place and organized in getting the claim going.
(this would eliminate confusion of the injury, and information, and having to deal directly with the case
manager).
3. The rehab specialist would determine and set up a proper medical goal plan according to the injury
and the injured's life prior to the accident, and the avenue to take in starting rehab when a discharge
date is determined from hospital.
4. The rehab specialist would follow up on how life will look specifically for that particular person
when discharged from hospital and the person needs care in the home, etc.
5. The rehab specialist would set up Physic, OT, Counselling, etc.
6. These would be worked on over a period of time with reports and follow ups until a new goal plan
is required in moving the person forward.
And, anything else I may have missed or didn't think of. |
| | Carlyn | March 7, 2015 8:31:06 AM | T - ARCC/Dr Hoy is apparently one of the worst work hardening programs in the city.
Their known pattern is as you've described it. Someone who once worked as an
employee there told me that they left because they wanted to help people get better,
but that program is very generic. Everyone does the same thing, and at the end most
are pronounced capable of being back at full duties, whether they are or not.
You can fight any decisions you disagree with, if you have enough medical support
from your end. You have a good chance of success if your doctor is willing to
support you, and if your physio / chiro have good measurable facts to back up any
restrictions or limitations. MPI works on formulas and charts. Once you hit certain
target dates and aren't yet back to work, they care only about getting someone to
say you're capable of being back at either your normal work, or an occupation they
determine you to be capable of, whether you are or not.
I had a similar experience with a different work hardening program, though the one I
was sent to was more customized. They told MPI and my doctor that I would be working
with a team that includes different disciplines. I saw each of those people once for
an intake assessment, and worked mainly with one therapist on the floor. That person
was working with several different injured people in the program at the same time.
They didn't spend enough one-on-one time with me for me to really learn the program
well. A brain coping with pain and other limitations doesn't easily absorb the finer
details. I could do some of the exercises a few times in clinic, and they caused
significant flareups, which they downplayed or ignored.
They did a mini assessment at the end of the program. Their report praises their
program's successes, and either downplays or doesn't acknowledge the challenges that
remain. They make very clear opinion statements about my abilities and character
without properly supporting them. They claim that my complaints of increased pain
levels while in the program were because I didn't accept the hurt vs. harm education
they provided. In their opinion, I'm OK to be back at full duties - it won't cause
permanent harm. It's just pain. (It's not just pain. There are other issues that
they completely ignored.)
I was very frustrated because I did my best to participate fully, and to accept the
education provided. I wanted it to help me get back to normal. I didn't understand
why the program was so short, and at such an aggressive pace. I think the program
could have really helped me if it had been done at a different pace. My body was too
raw to handle the amount and type of exercise they prescribed. I'm continuing with
the exercises that worked for me, and I know I'm going to get better in time. Maybe
not 100%, but better.
The therapist very clearly told me at the beginning of the program that they work
independently of MPI, but it's really obvious who pays for this expensive program,
and what the end game is.
My doctors both essentially shrugged their shoulders and said 'They work for the
insurance company. They're trying to measure things that aren't measurable, and it's
not an exact science. Let's make a plan to go forward." |
| | MaryAnn | March 7, 2015 6:47:02 AM | @ T
MPI doesn't know how to handle claims of those that have suffered a traumatic event such as a
motor vehicle collision.
Why are they having such problems figuring out who deserves what treatment, or who requires
benefits or what benefits to offer due to the injury?? Or even just getting the proper paperwork in
place in a timely fashion and get rehab started?? Through my experience, and in my view, because
they have an ineffective approach to the injured. They have an ineffective approach in getting a claim
processed, getting the proper treatment in place, and moving things forward in a positive and
progressive manner.
Does this ARCC place have any professional therapists working with people there, such as
Physiotherapists or Occupational Therapists or Athletic Therapists? Any kind of specialist? Does
anyone at that place have an education in Kinesiology? Do they offer any kind of counselling
services in assisting "return to work" following trauma? |
| | T | March 6, 2015 5:27:42 PM | | MPI sent me to ARCC 1850 Main St in Wpg. This place is bought and paid for by
MPI / WCB ! They sent me for "work hardening" after my employer didn't accept
my Doctors restrictions. This drives MPI nuts because by law all Manitoba
employers are required to FIND suitable work for WCB claimants. Not MPI.
Soooo hey send us to ARCC and they will say well hey if he / she can do it here
it's all good and they can return to work!
They do not care about the victim! MPI victimizes the victim!
The so called Doctor at ARCC 1850 Main St a "Conrad Hoy" with a supposed MD as
a pain specialist is not even listed that I could find with the Manitoba
collage of physicians and surgeons web sit!
My case manager sent me to this adult day care in the middle of my
Physiotherapy program that MPI was paying for yet she had no idea I was
participating in! My Therapist said usually they send people to "work
hardening" after all therapy has been tried, and that I wasn't ready for this!
My Chiropractor says it's a joke, and is causing me more harm! He stated he
goes to the gym for 1 hour 4 time a week, and he's healthy as can be! Why would
MPI send an injured person to ARCC which is basically a gym with mops and
brooms, work out equipment and buckets etc trying to imitate a work environment
for 4 hours the 1st week, 6 hours the next, and 8 hours a day 5 days a week!?
STUPID! It's a scam and it's hugely expensive cost to MPI for each one sent
just so a paid for unproven hit man Dr can twist a specialized physicians
reports into a subjective finding that the Corp will run with and launch
financial warfare against innocent rate payers!
This is why MPI needs to raise our rates every year people, because of the
enormous costs of trying not to pay or help those who need it!
I encourage all who read this to contact your MLA if you need help, or even the
Manitoba Ombudsmans Office for help . . .
I am sure sorry this site has to exist. |
| | MaryAnn | March 1, 2015 10:53:55 AM | For anyone new reading recent posts; my last post that the injured should not be discussing their
claim with the adjuster...was meaning that the injured shouldn't be forced to discuss their claim with
an adjuster; however, having an adjuster or case manager is the only method through MPI and is how
they operate. No one can afford to have a lawyer represent or advocate on their behalf because there
is no liability or tort in assisting those costs.
However, in my view, and in Ontario through private insurance, this is an injury lawyer's job. |
| | MaryAnn | March 1, 2015 9:57:41 AM | Carlyn, you are correct! However, MPI is a gov't insurance company. The injured person should not
be discussing anything with an adjuster/case manager or anyone that works "for" or "represents" the
insurance company. That is a lawyer's job and with all the messes we see, there is reason for it!!
There is no lawyer challenging the law or processes of the legislation or making sure the adjuster acts
in "good faith". Therefore, the injured are put in a position to be at the mercy of the funder.
Consultants only provide "opinions" and "blind opinions" at that. The case manager uses their power
to provide the "prescription" which in my opinion is completely invalid and in "bad faith" and over and
above a case manager's qualifications.
All case managers or all of MPI for that matter have one thing on their agenda. The Agenda of the
Legislation and goals of MPI is to SAVE DOLLARS!! And, then spend it elsewhere in the province
rather than the purpose of "INSURING LOSSES"!!
They put injured people in the position of having "blind faith" in a gov't corporation that has a
reputation of "bad faith".
Simply put, (a case manager's common words) the provincial gov't of Manitoba is one force driving
an entire system!! All resources offered by MPI as a "free" service is still part of the force including all
other entities of the province including and not limited to Consumer and Corporate Affairs. |
| | Tired | March 1, 2015 8:19:56 AM | | I have had a claim now since the late 90s and I have had several case managers but anytime I've
had one under Karen Pudlo I've had nothing but problems. My homecare and childcare benefits
were terminated because I haven't billed since Dec 2014. I've billed for these expenses every 60
days for years. I've called around to the advisor office and they say there is no time limit to bill for
these expenses. Have you heard of a benefit being terminated for this reason? |
| | Carlyn | March 1, 2015 7:38:02 AM | Tired: Most senior case managers I've dealt with come across as bullies. Almost
everything is done by target dates and formulas. They're not paid to be our friends.
They're paid to keep the company solvent by limiting the flow of money going out.
Supervisors ultimately seem to back their case managers.
Maryanne: Thank you. My "BS meter" is constantly going off with MPI and their
consultants. They've proven to be untrustworthy or uncaring many times. Even if they
come across as trying to help, I know better than to believe it unconditionally.
I talked to my case manager's supervisor about my concerns dealing with my CM and
the consultant. She came across as understanding what I said. Promised to look into
some of my concerns. And ultimately (same conversation) said "We're an insurance
company. We sent you to this consultant because we value their opinion. We need to
rely on that. If your doctors feel that it's unreasonable, it's up to them to
respond."
My doctors know the consultant's report is biased. They also know that in order to
win, we have to be able to measure pain and suffering, which is not possible.
MPI and WCB have their own standards of care that deny compassion to the suffering.
Medical professionals who aren't funded by MPI and WCB see it constantly, and while
they have compassion for the patient, there seems to be little they can do.
It's very sad. And we have to figure out how to pick up the pieces and move on. I'm
scared, and I'm struggling to get through, but I'm discovering levels of mental and
emotional strength I didn't know I had. |
| | Tired | March 1, 2015 12:17:40 AM | | Has anyone else had issues with Karen Pudlo? She seems to allow her case managers to bully
injured claimants. I feel horrible for anyone assigned a case manager she supervises. |
| | MaryAnn | February 28, 2015 5:58:13 PM | Carlyn,
What's really funny, is that when I inquired about the home modification benefit in 2007, they didn't
give my anything till 2009 when I finally got the CD. Two years after asking what's involved with this
benefit.
When the case manager forwarded the information in 2009, I asked where this suddenly appeared
from and when it had become available for purchase. All she could say was probably since PIPP in
1994. Which means she knew the process in 2007 (or she was a rookie and really shouldn't have
been case managing if she could not provide this info upon request). |
| | MaryAnn | February 28, 2015 5:51:51 PM | Carlyn,
The CD Procedure Manual IS available. Even the Auditor General mentions this in their January 2012
report. They recommended MPI make this information available through their website.
My case manager in 2009 forwarded information from the CD which I questioned many times to make
sure I understood what it was. I have a copy of the CD.
This is when I would question the experience of the case manager.
Carlyn, email me directly and I will give you the name of the manager to contact. If they still don't
release that, then I will email him and the supervisor directly along with the Auditor General and find
out why they are not releasing that CD. |
| | Carlyn | February 28, 2015 8:59:44 AM | Maryanne: I have asked at least five different people at MPI whether it's
possible to get either a "PIPP manual" or a "procedure manual", either on CD
or online.
My case manager said they don't have a procedure manual - they rely on the
legislation. I got similar answers from all of the MPI staff I contacted. They
said the only publications that exist are those available online - PIPP
guidebook and the MPI legislation.
Either: 1) that CD is no longer available; 2) they're not aware that it is; or
3) I'm being lied to by everyone. I'm not quite paranoid enough (yet) to
believe that the third one is the case. :) |
| | Carlyn | February 28, 2015 8:52:09 AM | Worth knowing: MPI (like most insurance companies) works based on categories
of injury, and target dates. Let's say your injuries are categorized as
"soft tissue injury", and you're off work for a while after the accident,
working reduced hours and duties, or getting help at home through them.
If you don't meet their target date to be back at work and normal duties
(typically 4-6 weeks, I understand), they will send you for a Functional
Capacity Exam (FCE). The "independent" consultant you are sent to will
generally say that there is no OBJECTIVE reason you cannot be back at normal
duties. Objective reasons are measurable or clearly observable - frozen
shoulder, broken bones, etc.
Many of the challenges of soft tissue injury are not measurable. Pain that
increases with certain activity, headaches, insomnia, difficulty
concentrating and remembering... none of those things matter to MPI or their
consultant. Unless you've got something clearly measurable going on, the
report will say that you are fine to be back at your normal activities. If
you can do the activities, and they cause huge increases in pain either at
the time or later, you're still considered capable of doing them. No longer
needing help from MPI. Probably exaggerating your symptoms and pain levels.
Fighting a report of that nature is an uphill battle. You can't measure your
challenges, and neither can your care providers. MPI pays big bucks to get
these evaluations done, so they can stop paying the little bucks that help
us to get through the day. Care providers know that fighting MPI is a tough
battle, and will often encourage a claimant to let it go, move on.
And we each need to decide: is it worth it to fight the decision? If you
decide to go forward, be prepared for it to consume your life. You will
likely go through mental anguish, stress that saps energy, winds those tight
muscles even further, and increases the subjective challenges. You will
spend many hours trying to get support for your position, analyzing the
errors in their position, formulating arguments, and attending hearings. At
Internal Review level, they will very likely side with the original
decision. If you go to AICAC, you will wait many months to be heard. You
need to make sure that you have really good evidence, and good support for
your position, or you will have the same result.
Does it take more strength to walk away, or to fight?
It's not fair. It never will be when dealing with an imperfect system,
that's clearly biased. There comes a time when we all have to decide whether
winning a battle is worth the cost. Whether there's another way we can get
through this, without causing ourselves so much trauma.
Let's make sure that in battling the mighty MPI, we don't lose sight of what
we can personally do to improve our situation. Focus on our abilities. Take
good care of ourselves through diet, exercise, and stress management
techniques. Trust that our body is a self-repairing wonder that will in time
heal itself with proper support. Let go of the negative energy and blame
that surrounds this situation. That doesn't mean giving up entirely - just
pull back and see it logically instead of emotionally. Maybe by the time we
get to AICAC, we can look back and say "at the time I couldn't" instead of
"I still can't". Wouldn't that be nice?
That's my goal. On some level, I know I can make it through this with or
without them. The little child inside me still screams "IT'S NOT FAIR!!!!" |
| | Carlyn | February 28, 2015 8:12:30 AM | | WittsEnd: Ask your treatment provider about direct billing MPI. A limited
number of physiotherapy, athletic therapy, and chiropractic are generally
available to all MPI bodily injury claimants. They may not allow you to do all
three at once, but unless they are disputing that your injuries were caused by
the accident, you should get coverage for those as a minimum. It's their "base
plan." |
| | MaryAnn | February 27, 2015 8:09:38 AM | WittsEnd,
MPI is responsible in covering your med/rehab. The paperwork can be done when time allows.
MPI advertises that benefits start at the time of the accident. They need to pay for your
appointments. Keep all of your receipts of what you've paid for since the time of your accident.
Make copies of those for your file and send the originals to the new case manager. Life goes on and
they don't seem to get it as an insurer, that people end up in huge financial losses due to MPI's
negligence of following Section 150. It states they are to endeavour to inform, assist, and advise of
benefits and to make sure you are receiving the benefits you are entitled to.
The paperwork can and will be done, but benefits MUST begin immediately!!
Wishing you a great day!! |
| | WittsEnd | February 27, 2015 7:16:13 AM | MaryAnn,
Thank you for always sharing. Great information and very helpful. I do have the
majority of my files.
You are right, it is next to impossible to heal with the stress MPIC puts on a
person. I was told yesterday by a specialist that I am lucky to be alive. I
know I am. I wish though, like others, that MPIC would just cover my expenses
since the MVA. That is all. It is not a get rich thing - because it doesn't
work that way. But all these extra expenses ... basically I had to stop my
treatments that I paid for because I would end up homeless. So yes, I wait for
confirmation of WHAT is paid for. Denials, so I can appeal. And continue on my
slow route to hopefully functioning again as prior to my MVA.
Thank you again my Friend! |
| | wendy dyck | February 25, 2015 2:55:19 PM | | i wanted to add to what i already wrote since that is the tip of the
iceberg. I actually lived in Vernon BC for about 5 yrs-for the longest time
i couldn't even consider coming back to wpg-couldn't do it. until i ended up
with an infection in my pre-existing hip replacement-no one ever told me
what caused it & it didn't show up in tests they did-til there was pus
coming out of the scar lines i don't know how hard anyone looked to figure
it out here-reason i came back was for my mom & son because worst case
scenario was that i could die or end up without a hip. After i got better &
my son was a bit older i planned on moving back. So my situation has been
made worse-I have never gotten to a point where i was "better" for any
significant length of time & i have had incompetent, negligent disrespectful
people calling themselves doctors I have never had proper followup on my
health even though prior to this i spent 3 months in vernon & kelowna hosp &
that's another whole story by itself |
| | wendy dyck | February 25, 2015 12:55:54 PM | | omg i really wish i could have figured out how to forward a copy of an email
i sent to cbc my life is so complicated & f'd up & it's been like a tragic
version of dominoes to $%!# & for every person who passed the buck &/or
didn't do their job increases the bs exponentially.i'm debating whether or
not to start praying to have a heart attack in my sleep because i'm not
suicidal however i have experienced stress to the degree of traumatic
experiences i've had to deal with. Started with critical mva aug 26/01
didn't know if i would live or if i would be able to walk if i did.at one
point i tried going back to university-had to drop courses because i
couldn't do all the walking & i asked for a wheelchair & there's a
transcript of a 3-way conversation of them making fun of me & saying it's
all in my head. I have a copy of an assessment that was anything but
professional-had just driven back from BC & I was described as an
unattractive angry obese middle aged female-& I felt ashamed-needless to say
but there's way more-haven't had ongoing medical care that i had in bc
because i have had issues with the medical field(understatement of the
decade)who have made things no better please help me I also have bi-polar II
& because i'm "SOOO intelligent & high functioning" that some people judge
me as not needing help-well i'm smart enough to know that i do.i planned on
moving back to bc & i'm running out of the resources to do so-can't live on
what i get on provincial disability especially when they only take things
away & make you jump through hoops to get what you NEED instead of helping
you get it.again please help me ph # is 204-221-1634 |
| | MaryAnn | February 25, 2015 7:46:14 AM | WittsEnd,
I am hoping that my posts help someone. I can't imagine trying to get through this alone. MPI has
no compassion or understanding and they just don't know what or how to go about helping those
who are traumatized and injured in an accident.
They have one thing on their agenda, and it's to save dollars going out of the corporation. They don't
become any "nicer" later on. I've had to fight for absolutely everything over and above the IRB and
PCB!! And every request that's denied has to then go through Internal Review. How does that help
someone improve through rehab? The waiting game is absolutely ridiculous!! By the time one gets
the item needed, 6 months to a year can pass and they are still waiting for that item, yet rehab moves
on and progresses. I have an AICAC appeal coming up. I haven't had to go through one of those
before, so we'll see. We are still dealing with the home modification benefit as well. My daughter has
been through the initial "ringer" and is with the "catastrophic and long-term" dept. now.
My daughter was living in Brandon at the time, and was a passenger traveling with her uncle, aunt,
and 6 yr old cousin. She was sitting behind her uncle (who was driving) and having a snooze when
they were struck by an Ontario half ton in the Kenora area. The accident was in Ontario.
We had a lawyer! Not for the Manitoba side, but for the Ontario side of things. We had a lot of
support and guidance in dealing with the Manitoba side. If we didn't have that, I would have ended
up in a Psychiatric Ward somewhere. MPI will drive a person nuts!!
No one plans to be in an accident. No one can control what happens in an accident and certainly
can't control the injuries that occur. They are an "Insurance" to cover losses and have to be held
accountable and responsible in doing so.
It's just a good thing I have all the documentation to everything and every issue over the years in
tracing back to what they did and didn't do. |
| | WittsEnd | February 23, 2015 4:49:59 PM | MaryAnn,
Yes, it is. And fun fun at that. NOT.
Yes, I have someone helping me with all the paperwork. I bet more than one
forest is gone because of them alone. HOLY. Paper Load!
Yes, one must get all the information they can in regards to "their rights"
paid and unpaid. No wonder lawyers don't want anything to do with them.
Sickening is an understatement.
Plugging away as best I can. I know there was something I wanted to ask but I
forgot when I can to comment and silly me should of wrote it down. It will be
the next question.
I have read so much of what you have gone through. God Bless you for being the
Mom you are! You are an Angel. Thank The Lord your daughter had you in her
corner because as you say ... they are brutal to deal with especially when
first injured, at the most critical time. On purpose? Once people get their
senses and get stronger then it is a little different and they are more human.
If I can even call them human.
Thank you so much for doing what you do. I appreciate it and so many others do
too, I trust. I promise to give as much information as I can as I found out.
Even if it duplicates some of yours, I apologize in advance if I do. I am just
going to try and share my Journey too. Hopefully the information will help,
even if one person, help is a relief. That is how I felt when I found this site
and connected with people that understand the challenge.
Thank you again! |
| | MaryAnn | February 21, 2015 6:21:03 PM | Just in addition to the comment below, MPI withheld from informing, advising, or assisting with the
home modification benefit by not providing that in 2006, 2007, then through their review did not
approve appropriate allowances to accessibility. They then provided information to the process in
2009.
When reviewing the Auditor General's report of January 2012, they even state that claimants are not
always informed of this benefit and that case managers don't have the knowledge to when to
appropriately offer this benefit. The report can be reviewed online. It has a lot of information in it as
well. I haven't heard of any follow-up report to what MPI actually changed according to the findings
and what they agreed to work on.
After 10 years of dealing with them, it all sums up to me that case managers are not qualified and do
not know how to and should not be handling an injured person's medical well being. Like I've
mentioned before, a person does not go to the doctor to ask about financial issues, nor do they go to
the accountant to ask about medical issues. ?????
The first question to a case manager should be, What are your qualifications? The answer will be, I
don't have to provide that to you. But, ask anyways. Ask, Do you have a medical degree? They
cannot do anything to you for asking questions. Ask through email and get the answer in writing.
Why are they hiding this?? Ask your rehab team for their qualifications, see if they provide it without
issue.
Ask for all the information available regarding benefits and see what they provide. There is a PIPP
Guide, a website for the Legislation/Regulations, or you can request a hard copy of specific parts of
the Legislation through the Queen's Printer (which will cost $$), there is a Procedure Manual CD for
$25.00. There may even be more. The CD info may be available now through their website. You also
have access to your entire file including their memos. |
| | MaryAnn | February 21, 2015 8:54:44 AM | I checked it out. Is that your current case manager?
All case managers at MPI are "senior" and they are all trained to deny. However, they DO make
mistakes, and big ones at that!
My daughter was in hospital from Dec. 04 - end of March 06. During that time MPI did not provide
any benefits other than funding medical equipment needed for rehab. Within the first month MPI
suspended benefits while my daughter was in a coma with tightly clenched fists and arms bent in a
mummy position. They let her suffer like that for over a month like that. They purposely prevented
her from progressing in her rehab, while fighting for her life.
In 2006, when my daughter was getting out of hospital, I had to find living arrangements because I
had been living elsewhere at the time of my daughter's injuries. MPI knew she was being discharged
and never offered any assistance at that time (and of course I didn't know anything then), so I had
found a small apartment for the time being.
In 2007, I knew we would need something larger for the wheelchair and access, etc. So, I inquired
about their home modification benefit and the case manager told us that we first must purchase a
home and offered no further information on it. So, we purchased a home and MPI would not properly
modify the home for accessibility because I didn't have them involved in the purchase. They didn't
tell me that they were supposed to have control over what I purchased and paid for so that they
could find something that needs the lease amount of modifications. They don't purchase homes,
they will only look at the modifications needed,
Two years later in 2009, the case manager forwards information from their CD manual regarding the
process to home modifications. Two years after the fact and original inquiry.
I purchased the CD Manual (Claims Procedures Manual) for $25.00. Then, I started drilling for ALL
available information that can be purchased. Everything that pertains to and certainly not limited to
the Act, benefits, claims, agreements with Health Services, etc. I also requested information that is
not available to the public and why??
I have many issues and stories of what they did to a severely and catastrophically injured young
teenager (at the time). Completely taking advantage of someone in that state, is like neglecting a 2
year old that needs attention, care, and nurturing and completely dependant on others for her
survival. It's sickening, but I am hoping someday to have a video of it all, because I was a parent that
took a lot of pics and videos through my daughter's growing up.
I believe in Karma!! |
| | WittsEnd | February 20, 2015 3:41:10 PM | MaryAnn
Did you see all the comments for the MPI Senior Supervisor on her Facebook? The
picture with her blowing a bubble with bubble gum, in her cubicle at work? You
can go to her Facebook it is still open to the public not locked and all the
selfies - WHOA lol Facebook Heather Jagger, Blonde comes up with a younger
blonde lady, MPI Senior Case Manager at work.
The same woman that denies claims with every single excuse in the book. Too,
the same Senior Case Manager that bullies all injured people. YOU have a right
to communicate by email. Do not let them force you otherwise or you will be at
their mercy ... ie they tape record every single call. You should take yours
and put them on speaker phone if you have to talk to them on the phone. |
| | MaryAnn | February 19, 2015 5:08:17 PM | Thanks. I will try that!!
The problem with Public insurance is that they are owned and operated by the provincial government.
Just like any other provincial government service such as Children's Aide (not sure what it's called in
Manitoba), or any disability services, etc. They will always turn to each other in circumstances, such
as MPI offers services from a Claims Advisor that works through Consumer and Corporate Affairs;
another gov't entity.
Private insurance is private. Rates are paid to them, not the government. An injured person with
private insurance should always call a lawyer asap. The lawyer will deal with the legalities and make
sure that the insurer will not use "bad faith".
Also, with private insurance, one can sue for liability. You don't sue the person, you sue their
insurance. When a person causes an accident and doesn't have an adequate amount of liability
coverage, then the injured can also sue their own insurer. A lawyer looks after that for you, but also
looks at the extent of the injury along with the longterm effects. Therefore, pain and suffering, losses
and damages are considered. The lawyer goes through all the documents and will protect you. Once
a settlement occurs (which does take time) a person is DONE with the insurer; never having to deal
with them again!!
With no tort in Manitoba simply means that the bureaucratic processes are not being challenged by
the law. This leaves the door open for case managers to use "bad faith". |
| | Wittsend | February 19, 2015 9:29:52 AM | Yes they do have a team of lawyers and the likes ... Paid by MPI? Paid by Manitobans ... Our
insurance runs that business. Our $'s make MPI, and all the salaries for each and every one of
them, and we pay for their lawyers, we pay. And we get no help for this insurance. Like every other
insurance company.
I email my case manager, CC her supervisor which I found my calling the one 800 number and
asking. And you can CC the Minister of finance. Honorable Dewar in charge of administration and
accountability for MPIC. The email address is in a post below. |
| | Wittsend | February 19, 2015 9:23:34 AM | I tried the link and it works for me, sorry.
If you are on Facebook search
Heather Jagger go through the pictures until you see her blowing a bubble gum .... She is in her
cubicle at MPI. |
| | MaryAnn | February 19, 2015 7:53:06 AM | The link isn't highlighting to open. Is it missing something? I'd like to check it out and compare if this
is what I've read previously on the MPI site.
Of course they get bonuses and climb the ladder when they deny and "save" the company $$. They
are not saving anything, those $$ are now going to wages and are depriving the weak and injured of
their recovery!!
MPI takes full advantage of the weak and injured!!
The #1 and only Proof needed - MPI does not allow the weak and injured proper representation to
their claim. They will not pay a lawyer to act on behalf of the claimant. However, MPI has, at the very
least, 15 lawyers working and paid by MPI in Winnipeg for their own benefit.
MPI is completely biased right off the bat when injured; they provide a case manager (an employee of
MPI and completely biased to their employer. The weak and injured claimant is now stuck with
someone that represents the corporation. The claimant has no one assisting their side.
Then, if there are issues, the claimant can go to "Fair Practices" (paid by MPI) to make a complaint or
assist in a complaint or issue. Or, one can make a complaint to the Ombudsman (another entity of
the provincial government) who will review and slap the hand of MPI if they have crossed a line. But
nothing will come of it. Or, one can go to a Claims Advisor (another gov't employee) to assist in an
appeal. Claims Advisors are not lawyers, so they will "try" to assist, but in the end it is all biased. |
| | WittsEnd | February 19, 2015 7:02:26 AM | If you have Facebook, check out this link. This is what MPI case managers do ... And how they
handle our files.
https://m.facebook.com/photo.php?
fbid=10152450154311142&id=575336141&set=a.468753256141.261734.575336141&source=56
What a disgrace! Get the bonuses because they deny the claims. And if you're not aware of that
then Google it. All case managers get bonuses for saving the company money. |
| | WittsEnd | February 13, 2015 10:48:14 PM | MaryAnn,
Wow, I just realized all the email responses did not go to you. I still can't
think straight with this head injury. Going into month 6. I will resend them,
maybe.
Thanks again for all that you do and this website.
I hope people post this site address on as many websites as they can so that
people can have answers, share stories, and information on "what to do" when
you are dealing with MPIC. |
| | MaryAnn | February 7, 2015 10:12:39 AM | And,
The treating physician should take precedence!!
How can a case manager have authority to override a treating physician's request? What
qualifications do they have? NONE!!
No insurance company wants to pay. However, in Ontario and with private insurers, one can sue.
One would also get a lawyer to deal with all the issues so that the injured person can heal and
recover. Yes, sometimes it's hard to get what you need, but a good lawyer will make sure you get
that.
Also,in Ontario, rates are based differently. A young male will pay very high rates and will reduce
after the age of 25 and usually continue to decrease as one ages and has no claims or convictions.
I'm not positive but I believe in Manitoba, an 18 year old will pay the same amount as a 60 year old?? |
| | MaryAnn | February 7, 2015 9:58:51 AM | Yes, MPI will wear a person down with all their webs. They make it that way so that it becomes hard
to follow all of the issues they create.
In my daughter's case, they have never sent her to see one of their chosen doctors, so I'm not sure
about that one. I have requested to see their consultants in Health Care Services, but those doors
are apparently closed. However, I would probably be persistent in trying to find and have a
professional provide an impartial or unbiased opinion. I would also probably look in the Legislation to
find out where it states I could not do that. If I couldn't find it, then I would request from the case
manager to direct me to where I could find that information.
Even then, if a decision comes back "biased", then the fact that the case manager is not qualified to
provide a medical decision could be challenged. In Marvin's case, it might be different if it is for the
Permanent Impairment, because there is a chart that will be followed. But, in other cases, there are
many grey areas within the Legislation.
What I've experienced is, they have had their own consultants review and provide a "blind opinion" of
our requests. Which, in my opinion, is completely invalid. Then the case manager provides a
decision (a med/rehab prescription) for approval or denial. We have had pretty well every request
denied and so we've gone through the process of appealing these and usually then get approved.
Argument 1 - The case managers are not qualified to provide approvals or denials or anything
regarding a person's health and welfare!! This is something I have stuck to and used when
challenging their decisions. AND, no one knows what information is provided to the consultant for
review.
Argument 2 - The consultants can't know or completely understand a person's actual position to
recovery through documentation. They don't even know if they've received ALL of the information
needed or the entire medical file. These consultants "never" meet with anyone in person; thus,
providing a "blind opinion". A third party opinion is legal; however, it's what is done with the opinion
afterwards.
Argument 3 - The case manager uses the "blind opinion" in prescribing med/rehab. This may be their
process of whether they will fund or not provide funding; however, it also determines a person's fate
of recovery. Through this they are playing doctor.
We used to get the names of their consultants, then they changed to providing an anonymous opinion
letter. Over the last couple of years, we haven't had to go through that process.
I have had to challenge their consultants because someone "lied" to us, or due to the consultant
being "blind" to the situation and/or the actuality of the injuries,
I have also challenged the Internal Review (first appeal) that they must provide factual evidence that
the request will not assist or improve recovery.
I have challenged everything. I have tried to stay on their backs like a fermented thorn. |
| | WittsEnd | February 7, 2015 1:15:00 AM | MaryAnn
As always, solid advice! Yes, Good Luck Marvin.
Question: What do people do when MPI does side with their doctor even though
you have your own team stating different? Start appealing? Insurance is
infamous for this. All insurance, not just MPIC. They send you to their
doctors, and then go against all your own doctors and specialist, and cut you
off financially. Battling for it costs money and that is why most people don't.
There must be a better way.
Your opinion MaryAnn? |
| | MaryAnn | February 6, 2015 11:27:06 PM | If the "impartial examination" is for the purpose of the Permanent Impairment Benefit, then there is a
standard chart in the "Act" on what MPI will pay for loss of use of (sorry, I don't know how else to put
this), body parts. I have a hard copy of the Act that I purchased from the Queen's Printer, so off hand
I'm not sure where to find the chart on the site, but it should be there somewhere.
If you do end up going to Dr. Saran and he/she states something completely different than what the
OT and other doctors have stated, and MPI sides with Dr. Saran, then, obviously, there is a bias there.
However, the treating therapists and physician's assessments should always take precedence
because they are the "treating" team.
Although, one could agree with MPI and request or possibly demand a definite "impartial
examination" with a doctor unknown to you and MPI - completely impartial.
Also, if this injury has made it so that you can no longer work at what you did previously, then MPI
has a benefit to provide Vocational Rehab and re-train you at something you can do.
Good Luck Marvin! |
| | WittsEnd | February 6, 2015 7:47:44 AM | | Thank you. I believe I finally got your name right. Repetition helps. Still
fighting ... month 6 today ... no funds. Struggling to keep my apartment. This
is the most disqusting thing I have EVER experienced. I can not heal with all
this stress and denial of appoitments. I will send as you stated for file.
THANKS again. |
| | CJ | February 6, 2015 7:45:08 AM | Marvin Robbins? Forgot name and it doesn't show when I post a comment ... sorry
Head Injury struggles.
I saw Dr Saran in 2011. I have a friend, wheelchair, who also saw Dr Saran. He
is a pompus, arrogant $%!# ... and he will have you in turmoil. Neither of us
where sent there from MPI BUT both of us went BACKWARDS in our recovery. Mind
was for my Spinal Cord Injury. My friend, though wheelchair bound due to
vehicle accident, went from going Para Olympics possible to bed ridden thanks
to Dr Saran. I told my friend to be careful as I saw this doctor first. The
Prairie Trail Clinic let me go as a patient because #1 I challenged Dr Saran
methods ... I can not take most pharma and he had me on all kinds of $%!# that
made me sick, lost time from work, ended up off work, and I was sucidal due to
the meds he prescribed. I don't know how you can get out of appointments. But I
know you should bring a TAPE recorded. Tape him, question him if he works for
MPI you have the right to ask. And ask him HOW he can remain none BIAS when
MPIC pay him. The entire clinic is Insurance company funded = don't go if you
are covered by any insurance including disability. Corrupt place from my
experience really messed me up with a GP. |
| | will smith | February 4, 2015 6:32:29 PM | | I would like to find some one that can help my wife. mpic has suspended for
driving will disqolafid for 15 years and 30 days in jail. because of this lost
her job as a socialworker and after 7 years stell can not get it back. is there
some one that can help please! |
| | MaryAnn | February 4, 2015 9:05:41 AM | I believe everyone has the right to seek a doctor of their choice. However, whether MPI will pay for it,
is the other question.
If you have an Orthopaedic surgeon in mind or another doctor can refer you to one, I don't see why
you couldn't request MPI to see that one. No one can stop you from requesting anything. |
| | marvin robbins | February 3, 2015 5:39:55 PM | Hello
I was in an accident December 1, 2011. I have been to several doctors
including an orthopaedic surgeon. All the doctors say the same thing that I
have lost 50% of my right arm mobility without experiancing pain. Please note
that this includes MPI OT therapist report as well. Now they are telling me
that I have to see Dr. K Saran who is paid by MPI and receives a large amount
of his income from them. They call this an impartial examination.
My question is do I have the right to seek out another orthopaedic surgeon who
I feel will truly be impartial instead of seeing MPI's doctor.
What are my rights and what can I do? |
| | MaryAnn | February 3, 2015 7:56:26 AM | I had to play with the copy and paste before finally figuring it out. The words kept running off the
page.
I don't know of a form to request your entire and complete file, but you can email your case manager
and request that. You are entitled to everything they have including all of the information they've
collected from doctors (your medical file) and whatever else they may have. Request copies of all the
Authorization forms you've signed for them to collect information from as well. And, all written or
electronic memos the case manager makes on the file. (These are memos they make to the file and of
their phone conversations; in their own words). Ask for those and compare to the phone messages
they've left on your answering machine. |
| | WittsEnd | February 3, 2015 6:39:51 AM | MaryAnn thank you so much ... I will try it.
Do you know, is there a special form to request a complete and entire copy of
my MPIC file?
Have the BEST Tuesday Ever. Thank you again so much for all the information! I
appreciate your shares and all the other shares on this site! |
| | MaryAnn | February 1, 2015 8:46:46 AM | @ WittsEnd,
You can copy and paste into a Word document, but once you do, go to the little icon once pasted (I
found it at the top of the document) and click on the arrow and then click on the last option (there
should be three options). It will change the text to fit the page (although very tiny). |
| | WittsEnd | January 31, 2015 7:49:24 AM | THX Maryann ... can't remember from screen to screen how to spell. I wish I
could print this last entry you made ... won't allow copy and paste so I have
it. Can you email me your last post? I would truly appreciate it.
Excellent points. As an Activist, prior to this injury, I am somewhat
politically known. I would run if I had my mind back! Soon, I pray it comes
back. Maybe by our next provincial elections ... if not. I will find people to
go with me to debates, when I can attend due to mobility, and I WILL be loud in
questioning all the excess funds to the province without Rate Payers knowledge.
I am sure they ARE not aware!
Manitoba has is one of the highest taxes province ... I believe it is the
highest but currently can not remember how to access some things. Soon, I will.
Again ... thank you so much for all this valuable information. I could not have
gotten as far without your experience and advice. Forever grateful to you. Stay
strong. |
| | MaryAnn | January 29, 2015 11:50:30 PM | I had found on MPI's website, prior to their changing it, a section that showed what the rebates were
each year. I believe, it stated $300 million was given in rebates in 2011. I have it printed off and it
lists what was given over about 8 years or so.
MPI is in it for MPI and the provincial government of Manitoba. As I understand it, they are a gov't
service collecting premiums to create employment and funds distribution for the province.
MANITOBANS SHOULD BE CLAIMING THEIR RATES AT INCOME TAX TIME AS A PROVINCIAL TAX
CREDIT!! That is something everyone that pays rates should fight for!! It is my opinion that, when a
gov't is taking money (supposedly for insurance purposes) and it is used to put back into the
province for road and building infrastructure etc., then it is a tax!! The city of Wpg (collecting
property taxes) is responsible for road building and maintenance and the provincial gov't (collecting
sales tax and provided supplements from the federal gov't) is responsible for rural areas outside city
limits!
As for communications. MPI has requested from me on many occasions to call me at home. At one
of our meetings with the case manager along with an external case manager, manager/supervisor,
and my team of rehab professionals, she had asked me this, and I looked at her and said...um, no, I
like everything in writing. IN A POLITE WAY, ALL INJURED CLAIMANTS CAN REQUEST TO HAVE
EVERYTHING IN WRITING and MPI has no right to deny that or say NO to it!!
One of their lawyers wanted to call me at home to discuss an issue...I replied in an email that it
wouldn't be wise of me to discuss my daughter's file over the phone. He no longer had anything to
say because, obviously, he didn't want me to have anything he had to say in writing.
Thanks WittsEnd for sharing the info. regarding the Physiotherapy. People need access to medical
health professionals they can trust!!
@ Injured Pedestrian, it wasn't me that started this site (I'm not that computer savvy), but I found it
quite a number of years ago and didn't really know if I should use this site. However, I kept looking at
it and finally started writing here probably the end of 2010.
In the Legislation, the province has monopolized and disallowed private insurers to sell auto
premiums in Manitoba. However, the only way to change that is if someone were to run in elections
that was completely against it and got voted in. Even then it might be difficult as the funds that do
come from MPI into the province, I'm sure is substantial.
One thing that can be done is Changing the Legislation. And I think it would be important to get the
"Tort" back. That way people would have access to having a paid lawyer advocate on their behalf.
Injured people should not be discussing anything with the adjuster.
The other thing that needs to change is having an assigned "Rehab Case Manager" in assisting the
best ways in accessing proper and adequate professional medical health, and rehabilitation.
Someone who knows what needs to be done and to follow through in getting their life back to their
"normal" or as close as possible. MPI's Senior Case Managers ARE NOT MEDICAL
PROFESSIONALS AND SHOULD NOT BE PLAYING DOCTOR WITH PEOPLE'S HEALTH AND
WELFARE OR THIER LIVES!!
Ask for qualifications. Even though they won't give you that information, you are questioning their
position and they will never be able to say that they CAN know what your medical needs are. This is
a topic to be persistent with, in a responsible and professional manner.
I have written many emails and copied the manager, supervisor, CEO, Director of litigation (Dean
Scaletti - I'm not sure if he is still in that position), Swan (he was Min of Justice).
I've written directly to a consultant of Health Care Services to let them know the "actual" situation.
I've written to Health Care Services' Manager when letting MPI's Physiotherapist consultant know
that they have an obligation to the claimant and to their Code of Ethics and Professional College first
and foremost prior to any agreement with MPI.
It's a lot of work and is extremely draining and tiring (reason why a lawyer should be doing this and
not the injured). |
| | WittsEnd | January 29, 2015 7:07:13 PM | Guy hey the same thing happened to a friend of my son. He totalled his car
hitting a pothole that he did not see because it was full of water. However, he
was 100% at fault plus he got imprudent driving on his licence = cost more to
licence.
Chris I have never heard of that automatic renewal. WOW. Can't even cancel your
insurance with them! Read the Blog and you will find numerous similar stories
of MPIC charging insurers.
I would LOVE to see private insurance! Who would MPI have to get rid of if
there was competition? All the top, high paid, senior Managers, Case Managers,
Adjusters ... because they are paid the BIG BUCKS to deny you claim, save on
your claim, deny injuries and the list goes on. Never mind that our premiums
pay for their entire fleet of lawyers to take us insurers to court. Bad
Business! Google it, look into it. You will see just how bad it is.
What did MPIC do with the 11 million extra they offered the city for the
streets? Canadian Tax Federation brought this up and MPI did not offer the
funds to the city ... we think. What happened to it? Must of spent it on
something because the bad year ... 2013/2014 they lost money and our rates just
went up again. Call you MLA, Contact the Minister; His name is in a post not
too far down.
Good LUCK I am fighting to get some financial relief from all my expenses which
to date ZERO from MPI to help my direct expenses. A suffering pedestrian. Head
Inury at the mercy of MPI can't think for long with out resting. Blurry eyes
and confusion I am getting acquinted with ... 5 months and waiting for
coverage. Battle continues. They are my definition of pure evil. My opinion.
We should start a petition ... Change . org I believe are free. Bring it up to
the government. Publicity they don't like but someone has to speak up before
more Manitobans are ripped off! |
| | Chris | January 29, 2015 10:35:03 AM | | Just zipped down the blog today and thin sliced some comments about
communication with someone at autopac and the MPI person talking about accepted
means of communication. It has been my experience, many times, to never just
verbally, by phone or otherwise, speak of matters which require proof of
statement.
As an example. I submitted a quote for work at an establishment. On a later
visit the person working there, said that I could go ahead and do the work.
Politely I explained, that I would like a confirmation email or letter from the
employer, stating that it was ok to proceed. Always Always email or letter and
for safety make a hard copy of mails and store them |
| | Chris | January 29, 2015 10:24:15 AM | | I received a letter today, from MPI, claiming that because my wife did not
renew her driving licence, there is an outstanding amount to pay and if not
paid this will effect her credit rating ???
On a previous visit to the local office I attempted to cancel it, with a letter
from her giving me permission to do so, as she no longer lives here. When I
presented this to the staff member she looked up the record and then said " oh
yeah they renewed it for a month so there is $20 to pay. My point being that
had she had an accident, they would not have said the same. I guess the same
would go for the actual vehicle licence if that lapsed.No ethics in this
organisation. |
| | Guy | January 27, 2015 4:12:02 PM | I was asked to move a vehicle in my parking lot while it was cleared of snow. I
did so, but in the process I hit a patch of ice in slid into a light standard. I
spoke to MPI and they are finding me 100% at fault.
If an elderly person slips on the ice in front of my building, I would be
immediately held responsible for not having sanded or salted the ice.
Why would this be any different? The roads were unsafe and therefore caused an
accident. I did not intentionally go out and drive someones car into a pole! |
| | WittsEnd | January 27, 2015 7:54:15 AM | | You need a your doctor to state that it was caused by that. Or a specialist to
state that. Almost impossible from my experience. I went to the USA to obtain
what I needed to battle my own health issues. Good Luck. Some doctors will help
but ... they put themselves in the Firing Range of MPIC. Would they help you to
cause themselves alot of work? |
| | Joanne | January 26, 2015 3:24:32 PM | | I was diagnosed with breast cancer in 2013. It was a cluster they discovered
and close to my breast bone, right where the seat belt would sit. My chiro
mentioned to me that maybe it was caused by the seat belt from my accident in
2006. And when he said that, it got me thinking maybe it was. But how do you
confirm anything like that? Just wondering if there is anyone out there that
may have the same issue? |
| | Injured Pedestrian | January 26, 2015 2:04:33 PM | | The Best new thing to start ... is collecting names and fighting for Private
Insurance. Look what happened with MTS and Internet. Options = competition =
better service if the company wants to keep your business. I would like to see
more options in this province. We are NOT the cheapest. Are rates are going up
again ... why? What did they do with the millions last year that MPI wanted to
give to MB government to fix roads? Our money ... rate payers. Any other
business would be bankrupt if they spent money like MPIC does. How about the
team of lawyers, doctors, investigators and the likes that fight and deny,
discredit, disallow you and your claim? All of them are paid from our premiums.
Manitobans don't get it ... a team of lawyers waiting to fight for MPIC at our
cost. I personally LOVE this site. Thank you Mary Ann? |
| | Wittsend | January 25, 2015 3:30:43 PM | | Marge yes good idea ... however, this site and Victims Against No Fault was
started for this purpose. I would not reinvent the wheel ... but build on this
and the man who tried on FaceBook too. Check it out. I would forward this site
address to everyone you know, plus contact your MLA and email Honourable Greg
Dewar, Minister of Finance now and in charge of Administration and
Accountability of MPIC. minfin@leg.gov.mb.ca |
| | Wittsend | January 25, 2015 8:04:52 AM | TY Mary Ann ... Worn out with appointments last week and this week. Ugh... I am
not sure what the OT put in her notes but I requested a copy of my file. I will
follow-up this week that it was received as my Case Manager is on holidays.
I would like to share; for those who suffer a TBI, PCS, Head Injury ... this
Physio Therapist that specializes. She really helped with some suggestions for
coping with my Head Injury and Pacing is totally different than any other
Chronic Pain challenge.
http://neurostridephysio.ca/therapists/ |
| | marge | January 20, 2015 9:52:49 AM | | I too have been in a accident and dealing with MPI is almost useless. Why do
we pay this insurance? Why don't all of us who have been in an accident, set
up a petition of sorts and get all of our signatures on it then submit it to
our government representatives , CBC, Marketplace etc. Any further ideas on
this thought? |
| | MaryAnn | January 17, 2015 1:53:22 PM | Thanks!! I don't like her tone either...that's unacceptable!! This is why private insurance has the tort
system so that lawyers can deal with the paperwork and work with a "Rehab Case Manager" in
working with and setting up appointments that work and suit the needs of the claimant. This way the
claimant only needs to concentrate on their rehab.
The adjusters or personnel at MPI DO NOT know how to create a repertoire with injured people
because they are not medically qualified, let alone knowledgeable in brain injury. For them to cancel
appointments when you need to acquire information pertaining to your injuries so that you can
provide "her" with the appropriate information she says she needs, is ridiculous!!
Yes, a claimant has to cooperate in their rehab the best they can, but, like I mentioned, a "Rehab
Case Manager" would work with you on that - not an insurance adjuster!!
The OT should have in her notes that you are using alarms when cooking...you obviously need
supervision and/or assistance with that.
Will email you!! |
| | Wittsend | January 17, 2015 8:27:30 AM | | you can email me icannwill3@yahoo.ca |
| | Wittsend | January 17, 2015 8:26:46 AM | | October 7 the next VM from the Leslie Bjore. The OT was rescheduled because she called the night before and said she is bringing someone with her. I was not comfortable with 2 of them in here when I can't think. It was resheduled by my sister with the OT. There was no reason for this call. I was doing as much as I could 1 month after being injured with a brain that won't work. Doing my daily things was all i could manage. I could not figure out how to make coffee at first. I still set alarms if I cook because I forget what I am doing if I go do something else.2nd VM from https://www.youtube.com/watch?v=4hQG4pyyVJc it was overwhelming and stressed me out. |
| | WittsEnd | January 17, 2015 8:14:49 AM | I requested an entire and complete copy of my file so I can try and figure out what the problem is
and why they haven't paid for anything other then the ambulance $500 and the care that they
allowed until December. Now I have no care because they said I don't need it. But they just sent me
a letter to appoint a representative for the release of information I mean if you're sending me a letter
to point a representative then is this not a boldface denial. They know I have a head injury it has
been months. When I could barely function in the first two months they were pushing for physio. I
have not been to physio, I have not been to a neurologist, I have not been to a psychologist MPI
canceled both those appointments that my doctor referred as I understand. There has been nothing
for treatments. These letters only managed to stress me out which causes me more problems trying
to do just the basics exhausting. I can't think
Dictated but not edited |
| | MaryAnn | January 17, 2015 7:37:04 AM | You ARE entitled to ALL benefits under PIPP!! I don't care what the issues were at the time of your
accident; NO ONE DESERVES to be treated in that manner!!
Hang in there!! I will try and get something set up to communicate in a better way!! |
| | MaryAnn | January 17, 2015 7:08:32 AM | Wow!!
That second call that you posted....HANG ON TO THAT!! It is excellent evidence on how they treat
injured people and don't give a rat's but (can't post bad words) about what your needs are.
A perfect example of how Leslie doesn't have a clue on how to even begin working with someone
that needs medical help and assistance. She isn't even aware that you need help filling those papers
out. Absolutely disgusting!! They CANNOT threaten your benefits when they are supposed to be
providing those as soon as a claim is opened!! That's what they told me...benefits start at the time of
the accident...however, my daughter lived in hospital for 15 months. |
| | wittsend | January 17, 2015 12:14:26 AM | September when I tried to leave a message but she answered phone. OT dealt with my sister after this painful call.
http://youtu.be/Fk64OV5ITL0
1st call (VM)from 2nd Case Manager Leslie Bjore
http://youtu.be/ZQL8j4joNHs
October 6
Long story short it was being arranged by my sister. The OT was aware I am not mobile in the afternoon. I can not stand/sit no more. Too horrid vertigo and no one to help. 1 month to the day of accident. I was still sleeping lots. Not eating enough when awake due to stressing with these calls. I end up back in bed because i am so confused. Stress makes my stuttering worse. I can't figure out how to post without extreme effort. Then brain hurts so much. Headaches. Stuttering. and confused = back to bed.
October 7
another VM from Leslie BjoreWhich is another story in itself. I asked for clarification on when she offered help. The OT did but at this first appointment, she mentally drained me for almost 4 hours = next week in bed my head hurt so much again.I try later for October 7 can't figure it out. Back to bed overloaded brain already. |
| | MaryAnn | January 16, 2015 10:34:26 PM | Yes, I did hear it! She was rambling and wouldn't give a direct answer. They love to beat around the
bush. In any case, she's wrong. You have every right to communicate the best way you can, (which
is through email), and because you simply want everything in writing!! That's all there is to it. They
will do their best to intimidate and manipulate you - even through email.
Income replacement: I'm not sure if you meant you were receiving disability at the time of your injury
or if you were receiving after your injury. If there are monies accessible (possibly benefits through
your employer) then I think one has to go through that avenue first?? I'm not positive on that...but I
do know that there are some things that MPI will not pay for if some other resource will pay for it.
I have family in Brandon and I visit there a few times a year.
I'm not a computer whiz, but I will also see if I can get a separate email address set up as I do not
want to post my regular one on this site. |
| | wittsend | January 16, 2015 11:57:42 AM | 1st Case Manager ... 1st call and confirmation email now possible due to my health and constantly sleeping. 20-23 hrs in 24. Lacie Anderson out of Brandon, MPI
https://www.youtube.com/watch?v=xAQBGaqsdjs
let me know if you can hear this |
| | wittsend | January 16, 2015 11:41:36 AM | | no income replacement ... I was on disability which almost got cut off when
this mess started. I can't fight no more. I can't think. I am broken. |
| | wittsend | January 16, 2015 11:39:54 AM | | MPI has cancelled all my referrals. It has been months with a headinjury and I
can barely think little on look after myself. OT came 2 times last time got a
letter from mpi not helping me. |
| | MaryAnn | January 16, 2015 8:24:35 AM | @ WittsEnd,
Why would you want it deleted? It's a great post!! I would like to know who your case manager is.
Even though they are "senior", in my opinion, they operate like rookies; they don't know what they're
doing. They have no idea what "rehabilitation" is all about. They are trained to follow the legs. and
regs. and filling out papers. I've looked in careers at MPI and it tells you what a person needs to be a
senior case manager - a degree in business. That does not provide an adequate background with
qualifications in "knowing" how to help injured people. It only provides training in working with
numbers.
How do those senior case managers sleep at night? How does anyone at MPI sleep at night? There
are seriously injured people suffering life-altered, life-long injuries, and MPI (an entity of the people's
provincial gov't) is not helping those who want to get better and just have their life back. MPI is
actually debilitating claimants rather than helping and supporting these people to contribute to
society in some way. MPI actually wastes more money on looking for fraud and paying their
employees to do nothing. I've learned way too much, and if anyone looks at any Gov't sector or entity
in this country, the Gov't doesn't know what the People's best interest is and therefore, many of their
programs and services DON'T WORK!! That's why private insurance IS the way to go!!
You should be receiving income replacement and some personal care at home (by the sounds of
things). The OT should be assisting that! They have a Code of Ethics and obligation to the client to
follow; and it's not MPI's "rules". You should also be going to some sort of community rehab such as
Physiotherapy and Occupational Therapy.
You should also have a Psychologist assessing your injury as well as dealing with the trauma and
they should have completed a neuro-psychological assessment. This assesses the brain injury
caused from the accident. You can request and demand to have one done and MPI "has" to pay for
it!! There should be medical reports from a neurologist as well.
They are bullying you because they know that NO ONE can possibly learn the legislation and
regulations that go hand in hand with the PIPP guide while concentrating on getting well and going
through medical rehabilitation. There is also a PIPP Manual CD that is available by request for $25.00
from MPI.
At this point, I can only go from experience in helping with issues I've encountered and of course
learned from throughout 10 years of dealing with MPI. When discussing anything with the case
manager through email, CC their supervisor and BCC yourself so you have your own copy as well as
copy someone else you can trust or the person that is helping you. If you can print those off, that
would be good to have a hard copy as well. |
| | wittsend | January 15, 2015 10:18:42 AM | | Can you please delete my post.
TY |
| | WittsEnd | January 12, 2015 12:37:01 PM | Maryann .. and others ... thank you. Yes, I come to this Blog as much as my
head can handle. It is still hard to manage more than 30 minutes or so of
reading and remembering. I have looked up many suggestions, I am grateful for
this Blog.
Yes, they have cancelled treatments, and tests. HOW is beyond me. I have it all
and proof. Since September 6, 2014 I am on my 3rd case manager. Senior ones of
course. I respectfully declined her offer to call her or to see her this week.
I am trying to heal and have as many appoointments as I can physically and
mentally handle. I informed her that by email is best and since then have
received no emails.
I received another letter today with more paper work. They are requesting 5
years now of history from Manitoba Health. I was sure i was told or read that
it is only 2 years they can request which I have signed 2 times for many forms
for doctors, therapists, dentist and whatever else they sent.
January 5 I received a cheque for $265.50 with no details as to what it is for.
I emailed to ask if that is for the help I have been receiving for laundry and
cleaning, shopping and such. No response. The person that has been helping me
since September sent in all the forms, signed, witnessed, and hours, dates, and
such helped and with what. I know after that form went in they sent out the OT
again (2nd time) and then I received a letter that no more help is needed and
it will not be covered going forward.
At my Family Doctor this morning, monthly appointment, he gave me homecares
number to set up help because I can not keep on this stuff alone with this head
injury that supposedly healed in 10 days which I also have proof of as the 2nd
Case Manager left that by VM.
I can't think straight since this head injury and have gotten zero help money
to date. Everything I read said timely manner. My doctor stated I need massage -
MPI said not covered unless you go to hospital. It goes on. If they could pay
me for the 2 prescriptions I had to fill in September and all the over the
counter Gravol for the vertigo I had to take for months that would help me with
my expenses. I have gone from functioning and getting by to going to Pay Day
loans to cover my expenses due to this injury. I just dont understand.
It is hard to control my temper, documented at doctors because I had 2
meltdowns there. I have a head injury and by writing I can refrain from
outbursts but on the phone or in person ; no likely because I have NO control
over it which is scary. I have lost it in public, at doctors, with OT here, and
it goes on ... I believe I am still waiting to see someone for this which my
doctor has referred 2 x now and today he will try again because I showed him
the email from MPI stating that a referral is not needed ... my doctor told me
he sent it twice and 2 times MPI said no. HUH? Confusing to me because of my
head. He is trying again to refer me to get this anger under control and the
stress around vehicles traffic I feel.
How can they request 5 years info? Seriously! This will be the 20th or more
letter that I have had to sign, get witnessed and send back with NO money to
help expenses. I |
| | Carlyn | January 8, 2015 11:26:58 AM | | If MPI sends you for an assessment, do not book your own therapy
(physiotherapy, chiropractic, etc)appointments just before that assessment. The
assessor needs to see your body before you've been adjusted by others. The
assessor will likely not just take your word that these are normally problem
areas - they need to see it themselves. Book your therapy appointments after
the assessment. |
| | Mike hawk | January 7, 2015 11:44:30 AM | | Watched a employee mop one spot of the floor while I was at MPI
McPillips branch. My Appointment was at 11:00, took 45 min. For a
Guy from the small room that has tinted windows to come out the. Stood there
For a 5 min. Conversation and laughed. Ok but spent all his time screwing
With his camera then took some pics of the wrong spot.
And all that time still moping |
| | MaryAnn | January 5, 2015 8:02:40 AM | Just in addition to medical consultants providing "blind opinions";
MPI "highly" relies on "blind opinions" from their medical consultants in providing a decision. Any
doctor can provide an opinion from documented material. Will that doctor "know" exactly what a
claimant's needs are through this process? Absolutely NOT!! A decision provided by unqualified case
managers (meaning they do not have a Ph.D) determines a claimant's recovery. It is my opinion that
they are playing doctor with people's lives and neither the consultant, nor the case manager knows
what the claimant's needs are. They "may" allow adequate recovery or they "may not" allow recovery.
The decision is in the hands of the case manager. This dictates how a claimant will move forth with
their life following a traumatic experience and serious injury.
No on knows what information is provided to the consultant in providing their reviews except the
case manager. Neither the consultant, nor the claimant knows if pertinent information was withheld,
extracted, and/or missing from the file when a review is requested from a consultant.
In summary, I am expressing my opinion as learned through my experiences and particular
circumstances of how invalid "blind opinions" are and that a case manager CANNOT deny any
treating physician's reasonable requests to medical treatment and/or rehabilitation. If and when this
happens, it CAN be challenged!! |
| | MaryAnn | January 3, 2015 12:45:09 PM | Thanks Carlyn for the update. I didn't realize that Swan has been replaced.
You can see how the gov't run programs work - through changing bureaucratic positions. It is
sickening!
I can say, if you write any letter at some point, include that case managers do NOT have the
qualifications to play doctor or make decisions regarding your health! It is important to find the corner
to stick those into. I've asked many times in my letters, to direct me to where it states that case
managers can override treating physicians' medical recommendations. They can't! But, it takes this
type of stance to put forth and challenge them. If every claimant puts this to them in letters copied to
the Canadian Press, CBC, and/or CTV, the Fifth Estate, and anything else you can think of, with
copies to gov't officials, it puts them in a corner.
I've written directly to their consultant's private practice because they also need to know what they
are doing by providing MPI with those "blind opinions". It affects people's health and welfare and
directly affects benefits. If the consultant had the opportunity to work with my daughter as a treating
physician, then I'm sure they would provide recommendations as stated by the treating physician. If
you know who the consultant is, then go for it!! Just be appropriate and as professional as possible.
Another important aspect is that MPI hires professionals to act as external case managers, forcing
these professionals to follow Section 150. That goes against all professional's Code of Ethics and
Professional College!! All professionals such as doctors, physios, OT's, Nurses, etc. have an
obligation to the claimant under their Code of Ethics and College first and foremost before any
agreement and/or contract with MPI.
Those are two major concerns and can be used against them through appeals and accessing
benefits. I'm letting you know this because it is wrong for MPI to abuse their unqualified positions
with those suffering injuries that affect lives!! Again, word your letters appropriately and it should
work!!
My daughter is now with case management in the serious and long-term injury dept. and it seems
that we have finally reached a spot on the ladder that has become easier. It took a lot of work, time,
learning, and questioning, but they are just people abusing their positions. It is so routine to them, I
told our first case manager that a computer could do his job - it's just a matter of programming. The
legislation and regulations along with at least 15 of their own lawyers, guide case managers and
they'll do whatever they want because their manager or supervisor will teach them how to fix their
screw-up. |
| | Carlyn | January 3, 2015 9:52:42 AM | Mary Ann: Thank you! That post originally had paragraph breaks, but somehow
they didn't translate on the blog. Once I am able to function on a higher
level, those letters may be forthcoming. It takes a lot of effort for me to be
that coherent and organized, and it's hard to believe that the effort it would
take to send those letters will result in any positive change. Right now I'm
focusing my energy on my recovery plan, releasing my knee-jerk reactions to
MPI's craziness, and trusting that I can get through this.
It's sad that even though the auditor general exposed some of these issues,
they continue to be a very real problem. Selective hearing?
WittsEnd: My case manager prefers to communicate by phone too, but her memory
is selective, as I'm sure the case notes are. My memory is also imperfect, and
I need the paper trail. It is our right to ask for written communication, and
copies of our file. I haven't found that they give very good information in
written form, though. It's usually been vague responses and legalese.
Recovery time varies by injury type and a lot of other factors, but it's
ludicrous to say that you should be completely better in 2 weeks. I have heard
that 4-6 weeks is average 'healing' time (broken bones, strained muscles,
etc.), but depending on the nature of the injury, recovery can take longer.
I don't understand why you've received "zero help" from them. At the very
least, they should be giving you the cookie cutter letter that tells you that
you are entitled to a certain number of MPI-funded chiropractic, physiotherapy,
and athletic therapy appointments. There are also "base" items that they will
generally fund without fuss, provided that costs are reasonable: cervical
pillow, ice/heat packs, OTC and some prescription medication, and the like. I
also don't understand how they could cancel your doctor's testing and treatment
recommendations, though I do know that they can refuse to fund them, or deny
that the issues are accident related. Hang in there, and take care of you.
BTW, Andrew Swan isn't the minister in charge of MPI (or justice) anymore. That
post is now held by James Allum. |
| | MaryAnn | January 2, 2015 8:51:08 AM | At Carlyn,
That was a great post!! This is something that needs to go across Mr. Swan's desk with copies to
MPI's CEO, your case manger, their manager and supervisor, even any MLA's in your area. I would
make sure you have examples of documentation and/or evidence to back-up all issues as many
verbal communications become he/she said. I have often sent copies to MPI's litigation dept. (Off-
hand I can't remember his name). Like I've mentioned before, and it could be because my daughter's
file is now in "long-term" catastrophic dept., I haven't had to deal with many of those issues at this
point.
There is information in the Auditor General's report of 2012 that pertains to many of the issues I
encountered with MPI. That is proof from them that they didn't do what they're supposed to in
assisting claimants through Section 138 and/or Section 150.
All the best for 2015! |
| | MaryAnn | January 2, 2015 7:43:21 AM | At WittsEnd,
Yes, make sure you only communicate to MPI in emails. If you have a head injury, then you need that
paperwork and YES, you can demand that!
Don't let the case manager walk all over you! Don't be rude or let anger control your reactions to
them, because I know and understand that it is a first response; they do what they can to $%!# people
off. But, it won't get you what you need.
You can request a copy of your entire file from MPI. Tell them you want everything, all notes, memos,
etc.
You can also request a copy of your medical file from the hospital, and a copy of the police reports
from the RCMP.
If you can, go through the postings here (as I have many) and through the Archives. I have been
posting here since around New Years of 2012. I think that's when I started. It's been 10 years since
my daughter's injuries and I have been dealing with MPI since then, but more so once when she got
out of hospital (which she was in for 15 months for recovery due to her catastrophic life-altering
injuries). |
| | WittsEnd | January 2, 2015 1:14:51 AM | Comment to Carlyn ... I hear you :(
I was hit by a bus September 6, 2014 and to date have received zero help from MPI. I am now on
my third case manager, who insists her preferences are on the phone or in person meetings to
discuss my personal injury claim. I believe she feels that this way there won't be a paper trail. I just
signed an authorize Form to communicate by email, upon my insistence due to my head injury. My
short-term memory is really impaired, they run up my cell bill and refused to pay it, I am resting when
they call and we played phone tag.
I was crossing the street at an intersection with the walk sign up and a transit bus was turning left
and hit me. He threw me almost 10 feet. The police figure he was doing 20 to 30 km an hour when
we connected. I am blessed to be alive but dealing with MPI is the biggest nightmare. They have
canceled requested by my doctor testing, treatments, suggestions, and feel I should not have to rest
and I was told I had injury heals in two weeks. I told that case manager I have 9 staples in my head
and got hit by a bus and I'm supposed to be better in two weeks? |
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