Dirty Little Secrets of the Manitoba Public Insurance Corporation (MPIC) and Autopac.
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Mary AnnFebruary 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 AnnFebruary 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.

haroldFebruary 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 AnnFebruary 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 AnnFebruary 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 AnnFebruary 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 AnnFebruary 2, 2012  8:12:30 AM
Like they say...there's always an $%!#* in the crowd

kenFebruary 1, 2012  11:55:56 PM
Not an employee wayne just of knowlodge of the industy.

Mary AnnFebruary 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.

WayneFebruary 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.

kenFebruary 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 AnnFebruary 1, 2012  7:15:33 PM
Farren, you made my day!! That was a good one!!

Mary AnnFebruary 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?

FarrenFebruary 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 AnnFebruary 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 AnnFebruary 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.

kenJanuary 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 AnnJanuary 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 AnnJanuary 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?

kenJanuary 31, 2012  12:33:21 AM
Who is getting a bonus @ mpi mary-ann?

WayneJanuary 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 AnnJanuary 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 AnnJanuary 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!!

AshworthJanuary 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.

AshworthJanuary 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.

AshworthJanuary 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 AnnJanuary 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.

WayneJanuary 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 AnnJanuary 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.

SusanJanuary 25, 2012  6:39:42 PM
Wayne,

The money for the thief came from the victim's 3rd party liability. Am I right?

WayneJanuary 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)

CarlynJanuary 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.

WayneJanuary 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 AnnJanuary 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?

WayneJanuary 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 AnnJanuary 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.

AshworthJanuary 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 AnnJanuary 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 AnnJanuary 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.

wayneJanuary 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 AnnJanuary 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 AnnJanuary 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.

CarlynJanuary 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 brabantJanuary 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 payeurJanuary 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 AnnJanuary 12, 2012  12:22:43 AM
Thanks Wayne. Sounds great.

WayneJanuary 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 AnnJanuary 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 AnnJanuary 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.

nellJanuary 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 AnnJanuary 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 AnnJanuary 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 AnnJanuary 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.

SusanJanuary 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

nellJanuary 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 limperJanuary 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 limperJanuary 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 AnnJanuary 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?

SusanJanuary 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 limperJanuary 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..

AdamJanuary 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 $%!#* .

LisaJanuary 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 HalpertJanuary 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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