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| Mary Ann | February 5, 2012 9:26:14 AM |
Why is everyone scared that having a lawyer or that the process of sueing is
such a bad thing?
In Ontario, you have to sue the insurance to get the liability that you have
every right to when someone causes your life to change. Law suits don't mean
that you are sueing people personally.
An injury lawyer, in Ontario, has compassion to help one through this difficult
time in your life. When a claimant should be concentrating on healing and/or on
rehab and getting better so as to get back on their feet, or relearn new
skills, whatever the circumstances to the injury may be, the lawyer will take
care of all the paperwork and such in taking care of and making sure you are
getting the benefits you need and have every right to.
And, that's the way it should be. The last thing a claimant should have to do
is research the legislated Act in finding out what they are supposed to do, or
what they are entitled to. Then, they have to start begging and fighting with
the insurer. No one, under those circumstances, should be forced to be dealing
directly with the insurer's adjuster.
Like I've said, every injury is put through the same processes. So, what
injured person in ICU is going to be able to deal with the adjuster? |
|
| Mary Ann | February 5, 2012 9:01:33 AM |
Unfortunately, MPI has made legislation one as that everybody "must" go through
the processes.
If you only need your car fixed or replaced (because material items are
replaceable) - then force them to provide the rental while you wait for yours
to be fixed or for another vehicle.
The "real" issue is, if you suffer any injuries in an accident - whether it
minor or catastrophic - each and every injury has to go through the same
processes.
The adjusters tend to know more about your injury than you or your own doctor.
Bottom line is, they are not doctors and cannot know.
MPI uses their legislated Act as authority over you. They have the monopoly so
that no one can purchase auto insurance from any other insurer. Claimants are
forced to believe that they are getting the "best" care and funding due to the
fact that Manitobans have no choices. Where does that leave people? Traumatic
circumstances put people in vulnerable positions. How many people have met with
MPI under these circumstances and then forgot what was discussed? They use
their "authority" through the Act to take full advantage of the injured. |
|
| harold | February 2, 2012 3:56:00 PM |
| Help!! I was rear ended just about a month ago. they called me and said my car is a write off. I
was rear ended. now they want to do an investigation???? My car is not driveable and mpi took it
to their yard. also my back has started giving me trouble since a week and it keeps getting worse.
Can anyone help me? What options do i have and what should i do to get the payout for my car
and about my back problems?? Please email me at chort_forever@msn.com. this is not the first
time i am having trouble with mpi. i once had to wait 7 months until i got my car repaired. they
are going too far. |
|
| Mary Ann | February 2, 2012 10:03:17 AM |
Like I've mentioned before, no insurer wants to pay out. However, in Ontario
there are allowances;
1. To having a lawyer who helps with all the legal mumbo jumbo. Most or even
perhaps all injury lawyers work on consignment (not sure if that's the right
word) but they get paid once the settlement takes place. And, no they can't
take all your settlement. The court decides that.
2. To having a medical team to help one through their rehab and get adjusted to
such and follow through
3. No "blind opinions"!! That wouldn't hold up in Ontario one bit. Same with
the adjuster having "authority" or "sole discretion".
Just food for thought. |
|
| Mary Ann | February 2, 2012 9:40:19 AM |
Insurance systems
Well, we all know about PIPP in Manitoba. Tightly bound by legislation by a
bureaucratic provincial crown corporation.
Private insurance in Ontario...I haven't had to use this system but am learning
about the coverage.
There are several pots in the Ontario private system;
1. Med/rehab, personal care, income replacement, housekeeping, etc. (basically
similar to MPI, I believe there are differences to the allowances and amounts)
2. Tort - which includes expenses, recognition to pain and suffering and
losses; this includes not only losses to the injured, but to family members
and/or very close relatives; accidents cause huge losses; I'm not sure of the
limits within this
3. Liability - I believe this part is based on the severity of the injury and
one's needs to living with such
All is considered in court and settled. You then move on with your life the
best you can. |
|
| Mary Ann | February 2, 2012 9:28:03 AM |
Just going through some of the past messages.
Nell..how are things going for you? MPI uses standard forms, so you're
correct; the pharmacy won't know the specifics of your injury. Also, if you
don't sign the form, I would imagine MPI will threaten to suspend/terminate
your benefits.
Upon reading the info about driver's licenses;
Approx. $300 in Manitoba over 5 years
$75 in Ontario (set rate) for 5 years...we don't renew every year
Our plate stickers are $37 in Northern Ontario; $74 in Southern Ontario
That's done at a ServiceOntario outlet; not insurance
Always interesting to compare insurance rates though...I pay approx. 1100.00
per year for a 2010 Honda Odyssey...that rate will go down as the vehicle ages
and as long as I am claims free
My 1997 Chevy Venture is approx. $700 per year full coverage |
|
| Mary Ann | February 2, 2012 8:12:30 AM |
| Like they say...there's always an $%!#* in the crowd |
|
| ken | February 1, 2012 11:55:56 PM |
| Not an employee wayne just of knowlodge of the industy. |
|
| Mary Ann | February 1, 2012 9:17:20 PM |
@ Ken...there's the bonus right there!! Unionized employees!!! What's in that
benefit package? Or do they actually make you beg for that? Oh, wait maybe
they send those requests to appeals too?
I'm not the one pissed off. Sounds more like you're not happy with the pay
because there aren't bonuses. Well, glad you joined the site and made your
complaint. But it won't solve anything. You'll have to go to the top, the very
top. |
|
| Wayne | February 1, 2012 8:42:02 PM |
| @ Ken... I actually belive I dealt with you once. You were snickering at my
wife as you made your denial. Don't $%!#* into the wind Ken, it always comes
back at ya. |
|
| ken | February 1, 2012 7:18:43 PM |
| Ok mary ann I answered the question. Unionized employees of mpi do not get
bonuses or any other special rewards.just like all jobs there are rules and they
have to go by them. Like it or not. I won't post further so u don't get anymore
pissed off then u already. Ps complaining on here going to solve nothing. It
starts at the top, the very top. |
|
| Mary Ann | February 1, 2012 7:15:33 PM |
| Farren, you made my day!! That was a good one!! |
|
| Mary Ann | February 1, 2012 4:13:29 PM |
Thanks Farren, I appreciate that. And, no you don't have to put your last
name...lol. It's just funny how people will pick something from a sentence and
miss the "real" point. And, that is an MPI trait - avoiding the "real" point.
I've learned so much over the years and I have no discrepancies on holding any
information back. I have nothing to hide from MPI. But, a lot of people don't
know how they play. MPI wonders why claimants get so angry and have had to
place security at the admin desks before entering any meeting or appt.
Wouldn't it be a better place if they actually offered guidance and assistance
in helping someone who's been forced to change their life? Injuries and trying
to live again isn't just about money. Claimants need support from a team of
players, such as rehab support, medical support, vocational support, along with
the I.R.B.; everyone's got bills. And, that's what insurance is for.
They don't even recognize the trauma one endures. Where's the post-traumatic
stress benefit? |
|
| Farren | February 1, 2012 3:00:45 PM |
| About KEN. Does he know something or is he just another jerk that think's M.P.I
is great. Or is he the one not getting his bonuses.
Maybe we should chip in and buy him some knee pads. Then he might get his bonus.
Thanks for all the input Mary Anne. Your doing a great job at exposing this
corrupt government we have.
I do not think i have to put my last name. |
|
| Mary Ann | February 1, 2012 1:21:38 PM |
So then, Ken, who is not getting a bonus?
A bonus can be anything over and above regular pay. So, who isn't being
recognized for their contributions in helping the Corporation achieve its
goals?
MPI is all about themselves. Monopoly, greed, control...probably best
describes MPI; and are the perfect ingredients for dictatorship. |
|
| Mary Ann | February 1, 2012 12:01:55 AM |
That would be an assumption, just like who is getting promoted? I don't work at
MPI (I wouldn't be able to live with myself or sleep at night). But, how would
you know that no one is getting a bonus?
You obviously missed the entire point below - MPI won't pay when they can find
other government services to foot the bill.
When you specifically pay for "auto insurance", the insurer is responsible to
provide funding and benefits and need to be held accountable to follow through
on that. |
|
| ken | January 31, 2012 9:18:51 PM |
| So who is getting a bonus then? Mary ann. The answer is no one. Well not sure
about the exects. |
|
| Mary Ann | January 31, 2012 7:45:34 PM |
On MPI's website under "About Us", it states:
"Our people will deliver knowledgeable service with care, efficiency, and
justifiable pride, and will be appropriately recognized for their contributions
in helping the Corporation achieve its goals."
Let's disect this:
Our People...sounds like a cult
will deliver knowledgeable service...MPI doesn't provide services
with care...must mean they carry the file easily as not to get a papercut
efficiency, and justifiable pride...??? oh here they must mean sending the file
straight to appeals
and will be appropriately recognized...hmmm..how and in what way?
for their contributions...this must mean, misinform, use sole discretion, deny,
withhold information, disclose personal information - they don't need consent
in helping the Corporation achieve its goals...and ultimately this must mean
take the policyholder's money - deny the claimant - let them suffer - close the
doors to the office so we don't have to watch - Next? |
|
| Mary Ann | January 31, 2012 1:10:18 PM |
Well, you'll have to let me know your last name, and whether you work for MPI
or not; otherwise, I am under my own corporate direction not to divulge that
information.
Do you know anyone at MPI who isn't getting bonuses? |
|
| ken | January 31, 2012 12:33:21 AM |
| Who is getting a bonus @ mpi mary-ann? |
|
| Wayne | January 29, 2012 4:08:43 PM |
| Shaifia's will get death benefit money from killing their own kids, all due to
no fault insurance. Kind of like car thieves getting paid out. Brian Smiley
says Manitobans love no fault. I'd like to know who he has been talking to. |
|
| Mary Ann | January 28, 2012 11:16:23 PM |
| By zero balance I mean that any money paid out...they want back; and any money
over and above they have to get rid of as in rebates, and what I mentioned
below. |
|
| Mary Ann | January 28, 2012 9:30:48 PM |
MPI works at a zero balance. When there is extra funds at the end of their
fiscal year, they give refunds to make themselves look great!! Any extra money,
they create jobs, make donations, give promotions and bonuses, build new
autopac centres and/or MPI centres.
This is the equation.
Policyholder purchases premiums; then that policyholder has an accident costing
MPI any money; then they sue you for their money back (because they will find
fault). No matter what, the policyholder pays and pays and pays again. Along
with all taxpayers into the Health system.
The entire country also contributes as the federal government provides Health
Transfer Taxes to each province which, in Manitoba, is then distributed to
community services that assist those needing services, including anyone injured
in motor vehicle collisions that MPI won't pay for.
Example: ORGOC (Occupational Rehab Group of Canada) located in Winnipeg offers
Resource Aides to provide attendant care for those in their own homes. A
claimant that needs that service would pay all their Personal Care Benefit to
ORGOC and then ORGOC applies to the Family Health of Manitoba for the
additional funding up to $9,000.00 per month. MPI's maximum payment is approx.
$4,000.00 per month. So, MPI pays 1/3 the cost and the Health system in
Manitoba pays 2/3.
Insurance means to cover losses - not pass the buck!! |
|
| Ashworth | January 28, 2012 7:46:42 PM |
| MPI has a lot of management (way more then the front end staff) with IIC, CIP,
FIIP courses, and the promotions are of people they (MPI management) "likes".
(AND It does not matter if one actually has all the courses/ if you are not
liked)"Golden". Not Even with insurance experience. There have been so many
Assistant Managers, Senior Adjusters and Supervisors, recommending denials on
case files when the case file did not qualify for a denial. So what does the
employee do, when management gives a person file direction to send the denial. |
|
| Ashworth | January 28, 2012 7:27:59 PM |
| MPI started in the 1970's, say 40 years ago. things were good in the beginning
because of the private - "kick-backs" that were going on. So public way was
better - with no kicks backs. So they weeded out and retired that generation.
And MPI build itself as a true public corporation. I believe they did a good job
in the 80's and 90's. But now - in 2000 - things really changed. With the jobs
there is the - who you know - is better than experience. How many people you
know is even better than insurance courses. And OMG if you are a blond
bombshell/or equivalent; that looks good to the Injury Management - you just
seems to move up the ladder so fast. Right now at MPI - experience/(10 years or
more) is considered a 2nd class employee. MPI focuses on STATS - statistics and
not on the HUMAN FACTOR. |
|
| Ashworth | January 28, 2012 7:08:47 PM |
| I do not believe the 8% rebate has anything to do with claim denials. I believe
the rebates are due to underwriting inaccuracy's. MPI really wants employees
with Insurances courses. And for the past many years they hire and promote
people who look good with the courses, unfortunately they do not have the
experience. You can obtain insurance courses in 5 years. And that will qualify
you for promotion, and if you get all the courses, become CIIP or FIIP, they
promote you even more. And so MPI has students and business people running an
insurance company - Two totally different thoughts of thinking. |
|
| Mary Ann | January 28, 2012 11:35:38 AM |
Has anyone heard of the PIPP "Manual"? This is not the same as the
PIPP "Guide".
It is a CD that your Adjuster can send you for $25.00.
This wasn't willingly mentioned or offered to me until 5 years post injury. I
had to question them as I needed to make sure I understood that it was
different from the PIPP Guide. So, you have to ask and of course pay for it. |
|
| Wayne | January 26, 2012 7:41:29 AM |
| @susan....the third party liability is if you hit someone from a state or
province who has the "right" to sue you. As in their govt cares about them and
has not passed a law not allowing you to sue as in manitoba.
He was payed money because under no fault insurance, everybody falls under
it's tiny umbrella of coverage. If you let your driver license lapse, and
didn't put insurance on your car, you still have coverage under no fault. That
is why good drivers like me still pay $1200 a year for a 11 year old car,
because we have to pay for everyone elses misdeeds. |
|
| Mary Ann | January 25, 2012 9:45:43 PM |
| So, I'm wondering at this point, how would "No Fault" discourage motor vehicle
theft? Sounds to me it would only encourage crime to the extent that if a
criminal gets injured, they'll receive a pay-out of some sort. |
|
| Susan | January 25, 2012 6:39:42 PM |
Wayne,
The money for the thief came from the victim's 3rd party liability. Am I right? |
|
| Wayne | January 24, 2012 10:17:46 PM |
Taken from Macleans magazine/ Jan. 30,2012/ page 6
You write that "Manitoba's publicly owned insurance company handed out $41,000
to eight convicted car thieves injured in stolen vehicles between 2006 and
2011" It gets worse, though: one individual who stole a van, crashed it and
lost his leg, received somewhere between $30,000 and $60,000 from Manitoba
public insurance, a routine payment for the loss of a leg. We also paid for his
10 prosthetic legs over the past seven years. Brian Smiley, spokesman for MPI,
says, "Manitobans love no-fault insurance." Well, we know the criminals sure do.
Wayne Franklin, Winnipeg
(they sure changed my wording alot and added a few things in, he was driving a
van? he's had 10 prosthetics? Apparently Macleans knows more about it than I do) |
|
| Carlyn | January 22, 2012 6:47:56 PM |
My statement shows $45 base driver premium, plus $20 driver licensing charge =
$65 per year. My merit points give me a $25 discount, so I pay $40 per year for
my drivers license.
Additional charges are vehicle registration fee, insurance cost, and interest
and administration fees, because I pay quarterly rather than annually.
I don't see any additional charges to be able to drive someone else's vehicle. |
|
| Wayne | January 22, 2012 2:51:14 PM |
| In MB we pay roughly around $50 a year I believe. We also pay insurance yearly
to be allowed to drive other peoples cars. So we would be paying somewhere
around $300 for our 5 year license. Anyone can correct me if I'm wrong in my
figures here. Pretty expensive for a drivers license though. |
|
| Mary Ann | January 22, 2012 1:12:07 PM |
So how would one go about renewing their license if it suspended? And, what fee
is MPI charging for that?
Here we pay $75 for 5 years, and our plate stickers in Northern Ontario is $37
(Southern Ontario - Toronto is $74) per year.
It really is too much control to be in the hands of a provincial corporation.
If MPI gives you a bad rep; which they could, and if you moved out of province,
they could cause big problems for your license to be changed too, couldn't
they? |
|
| Wayne | January 22, 2012 10:11:43 AM |
| With the drivers license everything has changed. You are referring to the old
system and the new. Your old license expired after a year, so if you didn't pay
it, you had no license. Now, you have to pay for your license every year, BUT
the date on your license is for 5 years, thus they have to suspend it. Some
people think they pay once and that is it for 5 years; some people move around
and don't change their address and don't pay, that is why they have no choice
but to suspend it now.
Now, none of this should matter if you never leave the province, as an
unlicensed car thief who causes an accident is covered under no fault. |
|
| Mary Ann | January 21, 2012 9:18:13 AM |
Hmmmmmm.....
Like I've mentioned, I live in Ontario and my license expired (only two days,
but it was expired)...so I went down to the nearest Driver and Motor Vehicle
Issuing Office and renewed it. No problems whatsoever. I believe if one's
license expires for more than one year, then it's a bigger problem. |
|
| Ashworth | January 20, 2012 8:42:23 PM |
| would you believe, if you do not renew your driver licence on time. "MPI" NOW
HAS "THEE POWER" - as per "MARILYN McLAREN" (She likes POWER, power, power)- to
have your driver licence - SUSPENEDED- instead of just Lapsed. A "Lapsed"
licence in the past with Motor Vehicle Branch- MB Govt regulated, just needed to
be renewed. SAY - if you are out of the province or country at the time of
renewal you are allowed to renew your licence when you returned with no problem.
OH - NO - NOW - MPI HAS SO MUCH POWER - MPI will suspend your driver's licence
if you do not renew your Licence "on time". Suspend a Licence if it is not
RENEWED - WOW. IS THAT - FAIR - WOW MARLYN does seem to have "THEE POWER" |
|
| Mary Ann | January 16, 2012 8:25:48 PM |
| Also Wayne...you are absolutely correct about having to deal with MPI for the
rest of your life (with no lawyer). In Ontario, you do sue (with a lawyer) and
never have to deal with the insurer again. Although, it's not to say there are
no headaches in the process. You still have to fight for an adequate
settlement, based on the injuries of course. |
|
| Mary Ann | January 16, 2012 8:13:21 PM |
Hi Wayne,
Glad to hear from you. I've sent a message in the MVA site, so I'm hoping you
get it.
I think the reason for the backlog is because the "adjusters" can't handle
medical requests in regards to injuries because they are not doctors. Anything
over and above their jurisdiction within the corporation (which really isn't
much) they send to Appeals.
Just to let you know, I do live in Ontario with my daughter who was injured on
Hwy 17 west of Kenora and east of the Manitoba border. She was actually living
in Brandon throughout 2004 when she was severely injured. She spent 3 weeks at
the WHSC. I lived in Ontario, so the WHSC shipped her to an Ontario hospital (3
weeks here) for acute care as soon as they could, then she went to a rehab
hospital (13 months). I have been advocating for her since.
From what I have learned (7 years) in dealing with MPI, and how they've treated
my daughter with catastrophic injuries - I just can't imagine what they are
doing to some of the most vulnerable claimants there.
I would just like to help out in any way I can.
Please feel free to use my contact through the MVA site. |
|
| wayne | January 16, 2012 4:49:00 PM |
| Hey Mary Ann, I have been looking through our contact list and cant seem to
find Mary Ann anywhere, so if you want to send me an email, through the mva
site, then we can start a dialogue.
The wife was supposed to start the mediation process on friday, but she was
sick, so it will be another day. The reason there is such a backlog, is no
fault insurance. With tort, your lawsuit is settled, you walk away, done. With
no fault, you are never done with your insurance company as you always need
permission for a treatment or a new medication. You are bound to this province,
and if you ever moved from the province, it would be soooo much harder to fight.
Looking forward to holding a meeting in the very near future. |
|
| Mary Ann | January 14, 2012 10:03:21 PM |
Carlyn,
I wasn't aware of the mediation pilot project, but I just glanced over a couple
of articles on the net.
It sounds to me that due to the adjusters' denials to everything and forcing
every request to Appeals that they now have a huge backlog of appeals waiting
to be heard and/or decided on. "Surprise"...did anyone see that coming? There
is absolutely no reason for the backlog of Appeals.
This process in itself impedes rehabilitation, and MPI needs to be held
accountable because they are supposed to assist rehab, not set it back.
My opinion on that and it's only an opinion, and dependant on what the appeal
is for, but it sounds like they are creating jobs for 2 years in just trying to
get as many appeals through the process as quick as possible. It doesn't sound
like this process is going to make any difference to the Appeal itself. |
|
| Mary Ann | January 14, 2012 9:31:47 PM |
Nell,
All insurance companies will research all previous medical history prior to an
accident. My thoughts are that MPI is just wanting to know your prescription
history 2 years prior to your accident date.
They are covering their bases by checking into whether you had a previous
illness or such...but if you had a clean medical history, I wouldn't worry too
much about it...it could actually be a good thing on your part. However, it is
your choice whether to sign the form or not. Personally, I've given them
whatever they've asked because I have nothing to hide from them whatsoever.
Remember, get everything in writing because then you will always have a record
of everything. Email is best, and always CC or BCC yourself. This way if you
don't hear back from them you have a copy of your own email and can forward it
again.
I hope that helps somewhat. |
|
| Carlyn | January 14, 2012 2:03:13 PM |
Has anyone successfully completed the new mediation pilot program? Is it worth
the time and effort? Or better to wait for AICAC hearing?
I know that I can still go to AICAC if mediation fails. I'm finding the thought
of filling out all the paperwork to get the mediation in place rather
paralyzing... |
|
| nell brabant | January 14, 2012 9:15:51 AM |
Mary ann
Hi..I got the letter for mpi its a release to pharmacy....which states "provide mpi with information regarding the injury I sustained in this accident from the date of accident and including up to 2 years prior to the date as that history relates to the injury I sustained"
1 how does a pharmacy know what injury I've had all they do is fill scrips
2 I signed a dr release 6 months after accident for 5 years prior and there was nothing
What a mess.....and they must think I am stupid that I think the pharamcy has the information.......please
I am not signing these but will respond to them in writting |
|
| mike payeur | January 12, 2012 2:01:45 PM |
| here is a brief account of the mpi dictatorship.i was stoped at a dakota indian
smoke shop by dakota police the reason they were interested in me because i was
driving a porsche.after a few minutes conversation they asked if i was drinking
i was not.two failed attempts to blow on there prehistoric breath sample
machine they charged me for refusal.mpi suspended my class 1 lic. on the spot
for 90 days which took about 97 days to get back.lost my oilfield job 106k per
year.car impounded 90 days.and i was diagnosed with a medical condition from a
dude at the addictions foundation who"s credentials are that he drank a million
gallons of whisky and found a way to quit.now i am not guilty of anything it
blows my mind.now i have to get new job and my abstact says i had a 90 day
admin. susp. and a medical condition called alcholism.....wow i cant beleave
how ignorant and disrespectful these idiots are im suing by the way. |
|
| Mary Ann | January 12, 2012 12:22:43 AM |
| Thanks Wayne. Sounds great. |
|
| Wayne | January 11, 2012 11:02:36 PM |
Everyone might want to pick up a current copy of Macleans magazine. The story
is "99 stupid things the governement did with your money". MPI came in at #52
for giving away $41,000 to car thieves who were injured while stealing cars.
To Mary Ann: I am taking over the support group again,as Adrian has asked me
too as he is pretty busy right now. There will be more meetings, just getting
organized again. Adrian has sent me the contact list and I will send you an
email soon. |
|
| Mary Ann | January 11, 2012 4:04:37 PM |
To Adrian Halpert,
Is it possible for a MVA Support Group meeting to be held sometime this spring?
I need to contact catastrophic survivors suffering life-long alterations due to
a motor vehicle collision and/or their family members. Anyone who cannot attend
school for retraining or obtain competitive employment and/or any claimant who
can that MPI won't help or assist funding of these. |
|
| Mary Ann | January 11, 2012 9:18:34 AM |
Nell, I can't even imagine the pain you must have. Can I ask you how long has
it been since your experience with this injury?
You should be receiving rehabilitation services through an Athletic Therapist,
Physiotherapist, and whatever else is available to you. Do you have anyone
helping you at home with light housekeeping, personal care, etc.? You may need
to get an Occupational Therapist to assess that as well. And, MPI should be
paying for all that.
Do you need modifications to your home due to your injury? Or, any equipment to
help you with personal care each day?
Just as much as a claimant is to do whatever they can in helping themselves
through rehab, MPI is to do whatever they can in assisting that. It is in the
Act that they must do that; however, I know they do impede and create hurdles
throughout the rehab process due to their appeals and such. That is another
area where they must be held accountable. They have to assist in every way
possible to help you reach your rehab goals.
Whatever you do...do not talk to anyone from MPI over the phone or in person
unless you can record it (make sure you tell them you are recording the meeting
or conversation). You have the right to tell them you want everything in
writing and request that they email you.
Any questions you have...please don't hesitate to ask. |
|
| nell | January 11, 2012 4:15:22 AM |
| Thank you....your right..I explained I also just went and had a injection in my spine..trying any thing to help the pain...her first response well it should be better...then mentioned because of "what" I take for meds.....wow I'll not take them and roll on the floor in pain...I wish it "was better" I wish it had never happened...but it did so now I have to live with it....but when your hit by some one running a red light..why should I pay in $ as well as pain!!! Your comments at least have me back fighting...thank you |
|
| Mary Ann | January 11, 2012 12:09:11 AM |
That is absolutely correct! MPI does act in Bad Faith and they are also self-
serving! They also like to twist things around and create massive webs of
confusion to redirect the claimant and all within a bureaucratic system.
Yikes!!
Their goals are to create jobs and employment in Manitoba and maintain their
own positions. Why is there an Autopac on every corner in Winnipeg?
This is written in "About Us" on the MPI website. The adjusters are recognized
for their contributions in helping the Corporation achieve its goals. In what
way are these adjusters recognized? Could they be receiving promotions through
making denials and saving money for the Corporation; thus, achieving its goals?
Is the Corporation's survival dependant on the greed of taking from others
(paid premiums and licenses) and letting catastrophic survivors suffer upon
these gains/goals?
The PIPP stands for Personal Injury Protection Plan. Protection of what? |
|
| Mary Ann | January 10, 2012 12:39:14 PM |
The other thing I would like to inform people of is that MPI highly (very
highly) relies on their medical "Health Care Services" team's "blind opinion"
which provides their basis to which the adjuster will provide a decision
(prescription) whether to fund (approve) or not (deny). The claimant's health
and welfare to life and living is based on an opinion! And is prescribed by the
adjuster!! This is not only an outrage to Manitobans but is disgraceful to be
happening in our country!!
It is important that people seriously injured in a motor vehicle collision make
sure they can get a medical team of their own as these are the professionals
working closely with you.
MPI's Health Care team are, in my opinion, cowards because they won't assess
the claimant in person and MPI keeps them barricaded and locked behind closed
doors (there is no policy to this; there is nothing stated anywhere that says a
claimant cannot meet with the Health Care Team, but MPI won't let you near
them) reviewing paperwork that doesn't contain all the necessary medical
information and details that it should. The adjuster is the only one who knows
what information is even provided to their Health Care Team from a claimant's
file.
That is the process of how a claimant's benefits and funding works. |
|
| Mary Ann | January 10, 2012 11:12:09 AM |
Nell,
Don't be intimidated by MPI!
As frustrating as it is...write nasty letters in office word program and then
delete...but get the anger out first, then think about how you can go about
getting what you need. MPI are not "friends" and they have no sympathy. You
have to learn how they work and learn the legislation/regulations. You are
representing yourself, so you have to advocate for yourself and your everyday
life as it is now!!!
You should see your doctor or specialist and have him/her fill out a form or
write a letter saying that you "need" the prescription to function in every day
life. If your own doctor doesn't agree you "need" the prescription, then you
have to ask what you are supposed to do to be able to get out of bed and
perform every day living tasks. I don't know your situation, and neither does
MPI's barricaded Health Care Team reviewing paperwork, but perhaps, ask your
doctor what options you have and if you should be attending physiotherapy
and/or exercise daily at the gym, along with massage by an Athletic Therapist,
and any "other" medications you could try. If your own doctor won't help, then
make an appointment to see an Athletic Therapist. Together this may be an
option and MPI has to provide for that!!! I'm not kidding, you have to learn to
play the game. They are liable and have to be held accountable in making sure
your life is as close as possible to what it was before your injuries. They
won't hand you anything on a gold plate. It is up to you to make sure you
received what you need. They may make you appeal, and if so, get the paperwork
needed and make the appeal. |
|
| Susan | January 10, 2012 10:47:08 AM |
Mary Ann
You are right. They even say to sue the Queen herself. It gets their
attention. Apparently someone has won. I am still doing some reasearch. and
will let you know when I find more out. If you want to email I'm at
susanmary1958@yahoo.ca |
|
| nell | January 10, 2012 9:40:30 AM |
| Wow.....I sent in medical forms.....now I find because of what I am taking for 2 herniated disks its being reviewed........yeah I do need pain killer because it hurts I've also had injections in my spine and physio..........she said they have a "list" and hydrocondone is on that list......so now they want a list of all meds I've been on from pharamacy ........wow...I am just about ready to say forget it........not that I have a thing to hide....I don't ......I just don't need the bull $%!#* on top of the pain........... |
|
| left legged limper | January 10, 2012 9:35:38 AM |
| one way we can start a "acting in bad faith"law suit is ..when those people
that had stolen a escalade in winnipeg.they crashed into that poor cab
driver..well the one person that was in the stolen escalade lost his leg below
the knee.. HE was payed out..he didn't have to go to court.(my thoughts are MPI
pays out a criminal..the same person that stole a suv,but me as a working
person i have to spend over 40000.00 to get coverage for a broken heel broken
ankle.all with xrays to prove it..there is something really wrong with the
system. |
|
| Left legged limper | January 10, 2012 7:12:10 AM |
| MaryAnn & Susan; all we have to do is prove that MPI is or was acting in BAD
FAITH in regards to our claims.I myself can prove they are acting in bad faith
beyond a reasonable doubt..ITS a matter of finding a lawyer,That wont suck us
dry. |
|
| Mary Ann | January 9, 2012 9:34:26 PM |
Susan,
I'm a bit leary, but am interested in finding out how that would work. You
can't sue MPI if it was a motor vehicle collision. Steven Fletcher hasn't been
able to get that far yet and he is an MP at the federal level in Manitoba.
It would take a large group with the same interests and/or reasons in filing a
class action law suit at the Supreme Court of Canada level, maybe.
Can you provide more information on that somehow? |
|
| Susan | January 9, 2012 8:12:00 PM |
| Have found out how to go about sueing MPI. If anyone is interested I wondering
if you would be interested in doing it as a group. |
|
| left legged limper | January 6, 2012 7:44:06 PM |
| TO; ANONYMOUS..some of us did get a lawyer,and let me tell you. WHY? should a
person that as never had a injury or health problem in his entire life,have to
get a blood sucking lawyer to recevie compinsation for a subjective
injury."subjective" means xrays that show broken bones and a deformed heel.and
then when i win i have to pay said bloodsucker 3/4s of what should have been
mine to begin with..Anonymous i dont wish bad luck on any one,BUT i really do
hope you yourself gets in a vehcile accedent,then you will come to understand
what the rest of us are saying.like my case .i have never been hurt.perfect
health my whole 46year life.. the only time i saw a doctor,was to get a
physical done, to keep my class one license.then one day i fell off a trailer
broke my heel and a ankle bone,all with xrays to prove it.It took 2 and a half
years of constant fighting to get covered... IN that two and a half years i
just about lost my house,and i did lose my half ton and my good credit
rating.AT first i was a shamed,cause i couldnt provied for my wife and three
kids.THEN i realized this wasnt my fault,after all thats why we get INSURANCE,
or so we all thought.you know how i survived???.I had to lower myself to
breaking in to train box cars and selling drugs to feed my family..I dont even
have a criminal record.Some times i was hoping to get caught, couldn't wait to
get in front of a judge to relate my story,TO TELL HIM IT TOOK A GOVERNMENT RUN
ENTITY TO TURN ME IN TO A CRIMINAL just to feed my family and keep a roof over
their heads..NOW I DONT FEEL SO ASHAMED.. |
|
| Adam | January 4, 2012 6:45:50 PM |
| MPI is the worst thing Manitoba has to offer. They are crooks. If I had the chance
to speak to the chairman of MPI I'd tell him to $%!#* and $%!#* . I hate MPI
with a passion. They think they're soooooo good and sooooooo helpful for Manitoba.
But they are not, I wish they would all $%!#* in leave this city and everyone who
works for MPI can cry me a river. Of course that is in a perfect world where MPI
would crash and burn, if I won the lottery I would dedicate all if it to try and
get rid of this piece of $%!#* company. I love that there is finally a place I can
say these things where people who are for and against MPI will see it. Anyone who
is pro MPI and believes I am wrong well let me tell you that YOU are wrong and you
as well can come $%!#* . |
|
| Lisa | January 4, 2012 3:12:25 PM |
| People like Mr/Ms Anonymous should keep their rude comments to themselves. I
recommend that Mr/MS A. attend a MVAS Group meeting to hear all the sad stories
about how people's lives drastically changed after they or someone they loved
were in a MVA. Our group has been on TV, have gone to the legislature and
participated in rallies. We started a petition and have spoken directly to
members of legislature. We have attended countless MPI and political meetings
asking for a change to the current no fault system. No Fault in Manitoba
actually means bankruptcy, chronic pain, surgeries, countles medical appts. for
those that have been injured. Adrian is right, just ignore his/her ignorant
comments. Mr/Ms A. is not well educated. If Mr/Ms A. was educated, they would
not have posted such a rude comment without doing research first. Most injured
people are not asking for million dollar settlements. Mr/Ms A., most injured
people want their medical costs covered and their wages covered if they can't
work. Those are 2 of many many many claims constantly being denied by MPI.
Getting basic expenses paid by MPI is virtually impossible. Mr/Ms A., I hope
you never get hurt in a MVA. |
|
| Adrian Halpert | January 1, 2012 5:35:58 PM |
Mary Ann,
Don't even bother with 'Anonymous', obviously just an uneducated troll who
either doesn't realise what a garbage system we have, or knows it and is trying
to get a rise out of people. Idiots like that just aren't worth your time. |
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