|
|
|
| herb | March 9, 2010 3:32:45 PM |
| bought the replacement car insurance. what a waste, sub compact and at the first
offer for the car the rental is done.. |
|
| Chester | March 4, 2010 2:54:16 PM |
| Wow...came across this site looking for other "victims" of the mighty MPIC...
I'm in the middle of appealing to the AICAC right now...I need a lawyer, are
there any in Wpg that know their way around the BS ??? Give me names please I'm
running out of time. Thanks all..awesome info on here |
|
| Deadmeat | February 24, 2010 11:17:04 PM |
| Neil I thank you for your story and experience you have had with MPIC! I would
like to speak to in person if possible? |
|
| KAS | February 22, 2010 10:20:54 AM |
| Has anybody on here been having problems with their immobilizer sucking the
life out of the car battery? My fatherinlaw is on his 3rd battery in 4 years
ever since this piece of $%!#* was installed - if the car is allowed to sit for
more than 2 days, the battery is dead - have taken it back to installer and
says nothing wrong with it; funny it started having this problem only after the
immobilizer was installed. Of course MPIC wont do a damn thing about it. |
|
| snowed_in | February 22, 2010 9:28:30 AM |
Neil: Great attitude! Forward motion and positive action/thought are essential.
Also being prepared to stand ground, including hiring an advocate or a good
lawyer when necessary (though it's hard to find the energy and $$$). Your
experience shows that this process can be a learning experience that toughens
and refines us, and helps us to see what's truly important in our lives.
Sometimes we have taken those things for granted, and see their value only when
looking back from a place of loss. Sad, isn't it?
not so sure: For a simple claim, where there is no loss of income and injuries
can heal in short time, the system seems to work relatively well, and case
management staff seem reasonable. For more complex claims that include time
missed from work and/or long-term injuries, the case management unit can be
harsh to deal with, and the legislation is skewed. A criminal dealing with the
justice system has more rights than a claimant dealing with this insurance
system. They're innocent until proven guilty. We're guilty until we prove our
own innocence/truthfulness. It takes energy to prove our case, and this is a
precious resource. One of their main ploys seems to be throwing a lot of curve
balls. If they can wear us down and make us give up, it's a financial win for
them, at whatever cost to us.
It is essential to have medical backing for any claims we make. Our word means
little or nothing to MPI. The medical community they are more likely to
recognize. Not always, but more often than us as individuals. |
|
| DEADMEAT | February 22, 2010 12:23:26 AM |
| not so sure,perhaps you are one out of thousands that was treated properly in
your MVA! but fortunately you are not long term disabled from your
injuries!!!!!! This is where MPIC flushes you down the toilet because you are
now a dependent of the system and you will cost them a pile of money that they
will deny responsibility for! Your life will be a living $%!#* while they try to
dismiss your claim! As for mpic acceptance that your MVA was not your fault i
and amazed because i just had another accident and mpic deem me 50% responsible
for it and i had to fight threaten them that i would put it on cjob and only
then they said i was not at fault!This is what happened in the last mva, i was
driving home on a provincial hwy and i was about to turn left on the road i
live on when all of a sudden a car came through the stop sign and hit me in the
left front fender of my car causing $3000.00 damage.The only problem is that
the car was traveling in reverse,yes i said in reverse!!!! She was traveling
backwards doing 20 clicks, when through a stop sign and onto a hwy then stuck
my car and I'm 50% responsible? I want some of the stuff these adjusters are
smoking and after this experience i know for sure that mpic is out of
control!!!!!!!!!!!!!! |
|
| not so sure | February 21, 2010 10:29:24 AM |
| i was just in an accident on thursday and i had an older vehicle so its an
automatic write off... anyways, the adjuster and everyone i've talked to from
MPI has said its the other persons fault and i have gotten the courtesy vehicle
even though My insurance didnt cover it but the other parties insurance did so
they gave me what is called loss of vehicle benefit, also i was a bit injured
so they are helping me with the costs of physiotherapy and any medications i
need. im just wondering why people are thinking mpi is so bad? |
|
| ripped off | February 20, 2010 9:15:50 AM |
| hi neil, how do we get ahold of u, would like to speak with u on my claim thx. |
|
| pen15 | February 15, 2010 1:00:40 PM |
| Hello to all the nice Manitobans! Just lookin for some rule books on what we
can and cannot blog about? Are we allowed to reveal names of previous MPI
adjusters! and their behaviours, mannerisms, etc.etc! cuz my kind of heads up
will help someone along the way! |
|
| pen15 | February 15, 2010 12:56:32 PM |
| Lets talk about another breach of trust! Upon my release from incarceration,
usually followed up by a probation official. This dudes name Jim Malenchak.
Well Jim, you did me no fruken favors you imbecill! Following my meeting to
whom I thought would be pointing me in the right direction! I had specified
some interest in retaining my drivers abstract, which is something I $%!#* umed
was available in one location. It was in my best interest to follow my no
contact orders with the MPI employees. In his opinion, he could not see why
that was not attainable..All apeared to be okay, had renewed my license and
soon would follow my query into my drivers abstract. Which the gentleman
working that day did not know how to oblige my request..Then the woman who knew
how to do this, told both me and my mother to leave...and that we were
breaching! Dont know how many transactions all you folks have done but once you
take the money, the balance of the transaction should follow! You suck Jim!! |
|
| pen15 | February 15, 2010 12:21:19 PM |
| Some of MPIC's dirtyest secrets will not be found here! Unfortunately, they
are in a place where joe blow public does not have access to. Like court
transcripts,police reports, and numerous other areas of "govrnment"interest! To
me this makes no rational sense. From what we are made to believe is that MPIC
is a co-operation, yet previous to that title is Manitoba Public. Seems to be a
wee bit contradictory! We, as the public have a right to know..Yet, despite the
title...we are told MPI business is that of their own. Now, I have spent more
time in a court room than I would ever admit to, and yes behind closed
doors,with few members of my family and of couse people of MPI.Thought it would
be safe to $%!#* ume that the judge was the most honest one in attendance,but
after several moments after, I was the most honest. She was a younger woman to
be held in a higher regard and integrity! Her name Judge Jean McBride!
Essentially she holds the key to the community and yes all the cell blocks.
Because there was a criminal involvement in my appearance, I suppose almost
anything can be said with limited conversation on my behalf. Very frustrating
that they can use any means they want to paint the picture.Remember we are
dealing with another Manitoba joke, the justice system! So, in the courtroom I
sit, and to my further dismay...The prosecuter had said that I had developed
this web site. Wasnt allowed to dispute that because now they were telling me
what I had done..They said I planted an incinderary device, what was I gonna
say? It was a jug of water! Which it was! And after my arrest, I was put in a
very dirty place..Okay, so let it be! To later find out after they took my
shoes,the wet mass on the floor was someone elses urine and blood. I have yet
to explain how I let the antics of MPI, pushed someone of my nature thus far.
Not sure if its in the best interest of Manitobans that I do that! But it is! I
would encourage anyone who has interest in this to contribute in some regard! |
|
| Neil | February 5, 2010 2:30:29 PM |
| i also was involved in a mva in 2005. they dragged me and my family through
court for two year. when i was found not guilty. all of a sudden i found that
mpi treited me totally differant. get a laywer and fight back. cause if you
dont you will get screwed over like so many people i have talked to that have
been in mva's. stay possitive and keep fighting. take it from someone how has
been through it. my family needed me more the ever and you can't give up. i'm
in pain every day and i went off the pain killers and took the pain it reminds
me i'm still alive and i will rest when i die. until then i turned my pain and
anger into a possitive and i'm fighting back 5 years later i have gone and
retrained for a new carreer and i've been back at work for 9 months now. its
been one of the hardest things i've ever been through, but im a stronger person
for it today. start by focusing on being thankful for being alive. and go from
there. find yourself a support group, we might be men, but we need help to once
and awhile. i know i did. if you ever need to talk send me an email. I KNOW MY
LIFE HAS CHANGED BUT I'M GOING TO MAKE SURE ITS FOR THE BETTER. I KNOW WHAT
CREDITERS ARE TO, BELIEVE ME THEY CAN BE RELENTLESS. MY BODY WILL NEVER BE THE
SAME,I'VE COME TO HANDLE THE PAIN, I'VE EVEN BEEN THROUGH A DIVORCE BECAUSE OF
IT. BUT I NEED TO BE STRONGGER SO MY CHILDREN CAN BE HAPPY AND THEY ARE NOW. |
|
| Deadmeat | February 3, 2010 2:09:00 AM |
| I have know realized that the true victims of my mva are the people I care
about most, my wife and my children!It was so easy for me to mask my physical
pain with narcotics and hide from the emotions of excepting my disability!My
wife and children lost their husband and father in that accident 10 years ago
because I became a different person altogether! I became consumed with hate and
sorrow and I was not equipped mentally to deal with the turmoil that ensued
after my mva! I found a letter that my son wrote for a school project when he
was 8 years old and he outlined all the injustices his father suffered at the
hands of mpic and more importantly his pain of the loss of the father he once
admired instead of the drug induced father he now has to see! I did not realize
the information a young mind could absorb while I coped with my disability and
voiced my dissatisfaction with mpic!He is now 16 and the turmoil is still
present every day as bill collectors phone repeatedly and that we are forced to
sell our family home! There is no way to express the injuries we have suffered
by MPIC! Why do we have to continue to suffer while MPI boast a THIRTY MILLION
DOLLAR PROFIT! I paid for an insurance to cover my losses in a mva and I
expected to be treated with some dignity and respect! I was told that on the
balance probabilities,I could return to work while taking slow release
narcotics! I called the drivers licensing and they told me that if i was
involved in another accident while taking narcotics I would be charged for all
costs since I was driving while impaired! Can somebody tell me how they are
allowed to do this as a reason to terminate my benefits! And i would like to
know why it takes over six years to get an appeal date?I would like for this
nightmare to end for the sake of my family! |
|
| Needing Help | February 2, 2010 5:14:08 PM |
Hi, my friend was riding his bike down a back lane about 5 years ago, when a
cabbie hit him, and he went through the windshield. He then developed a mental
illness and other injuries from the accident.
MPIC then send him a bill for something like $4,000.
He has been on social $%!#* istance since then, and has no way of paying it back.
Now that he's getting back on his feet he would love to be able to drive again
(which is necessary for his line of work that he choose to get back into), but
can in no way afford the $4,000.
How can i help him fight MPIC about the money "they" think he owes?
Also, since it's been 5 years, and they didn't follow up on the claim, is he
automatically not having to pay this amount (I don't even think he was at
fault)? Some lawyer in the city said that if they don't sue him within two
years, he's no longer liable. But is there any validity to this?
Or can i get a lowered amount (settlement), and pay it for him to settle the claim?
Any help is greatly appreciated. :) |
|
| jon | January 28, 2010 4:29:31 PM |
| little P & micheal, watch out for lawyers too, they get pressured not to work
to hard for u, u have to fax them ur questions or record ur conversation with
them, so when they dont do their job, u can try to take them to court. but in
manitoba its like trying to sue a doctor, even when u ask another lawyer. they
all stand up for each other. thats the golden rule. have 1 too, so as soon as I
get it settled, I am going to post their name, so folks like u dont use them.
also watch out on here for the nay sayers, MPI plants. and sorry for the guy
that hung hem self, but if it was me I would have taken a few with me, that
would get their attention. Ledge is the only place where anything is going to
work, unless their is a big class action law suit. so people stop whinning here
and lets set a date. PS election this year so heres ur chance or shut up. |
|
| Michael Pain | January 28, 2010 5:59:07 AM |
| Hey,
No $$ 4 a lawyer.
Howver will have once enough MPIC Victums SAY NO, SAAY STOP raping my me
of my rights!
$$$ doesnt make U GODS.
Thanks 4 hearing & taking 2 m3.
-MP |
|
| Michael Pain | January 28, 2010 5:54:03 AM |
| Hey,
That really sucks Bob.
From the Little P- Yes I KNOW that MPIC are following/saving blogs, web
sites too.
I lived with man who hang himself as the results of MPIC Tactical Warfare
methods; b/c MPIC can and will fu@#$you up.
I tested MPIC with what I type 4 years ago on a blog and MPIC fall for it;
which was to write down AICAC appeals names, call them to start a class action
aganist MPIC! - For Acting In Bad Faith.
However it's what MPIC did with my trap; MPIC told AICAC to change the
records to remove appeals FULL NAMES and replaced it with appeals frist and
last letter of their names!
That was a shocker for us to KNOW MPIC rules over AICAC which means the
next appeal is with the Court Of Appeals - Queens Banch. B/c AICAC is MPIC
little Bitch. Like Peter Myles.
The class action is stilling slow going b/c MPIC is evrywhere and its hard
to add MPIC victums b/c we need to see/get/have proof of Acts Of Bad Faith.
I looking for a Networking for this.
Relax :-)
Thats what she tells me.
She will never ever know that to 'relax' is for my body to be sleeping or
dead. I know both woudn't work (well dead i don't). |
|
| Little P | January 27, 2010 9:30:20 AM |
I'm just writing to let you all know that there are lawyers out there that are
willing to help you with appeals. I have hired one myself and am fighting MPI
right now. It does take a long time and the process is still a horrible
experience but at least it gives me and my family some kind of comfort to know
we don't have to deal one on one with the devil's of MPI and have them try to
push you into decisions that are not right for you. It is however true that
MPI loves to drag things out. Like someone said, just waiting for you to give
up and die. It is cheaper for them. When are we rallying at the Leg??? Me
and my family are so in!!! Good luck to all of you who are fighting this nasty
corporation.
As for those who make posts about their veh and so forth...if only that was
half of the injured problems. Sorry to say but screw your car/veh, at least
you have your arms, legs, and no chronic pain for life. |
|
| Bob | January 23, 2010 6:32:18 AM |
| Hey MICHAEL
Just spent 12 hours in emergency due to head and neck problems from mva 4
years ago.But apparently can go back to work ( probably get fired a couple days
later not the fact that i wont have insurance coverage due to previous injuries
but all that doesn't even matterto them)I'm just trying to renew my mortgage
forget insurance there.Take care you know big brother reads these hey. |
|
| Michael Pain | January 21, 2010 7:56:28 AM |
| Hey Everyone,
At 27 years old my life-career was going great; Automotive Apprentice, wife,
beautiful baby girl of 8 years old.
I thought my ex-wife was mean- OH no, it's MPIC thats the devil.
MVA in 2001, I suffer Chronic Back Pain to which it is every day as it as been
for me the last 8 years and counting.
Now I'm 35 years old, have taken-been on-tried out over 26,000 pills! I have
had over 1 thousands (1,000) needles in my neck, upper-mid-lower back!
MPIC records EVERONE who was-had meeting(s) at City Place!
MPIC keeps my files that shows what they have lied to me about and what would
hurt them too.This way MPIC knows word for word what 'your story is'. These
recordings will be used against you.
MPIC rules over AICAC.
The CAO is a joke (MPIC pays their wages)!
My appeal at AIACA is STILL going (4 years now I think).
YES, I do know I, WE, YOU, US.... Will NEVER get $$$ 4 pain and suffernering!
For me It's how much I'm I willing to live with; do I or don't I do everthing I
can do for which MPIC pays me that which is right-fair-honest.
YEA.
Yea I know; words like fair, right, means MPIC is going to sent 10,000$$ to get
out of paying out 5,000.
I'll check here in a day or two (which I'll be in bed) to read what if anyone
post a post to my post :-)
Goodnight and take care of yourself!
Michael Pain |
|
| bob | January 19, 2010 12:27:26 PM |
| Right on guys Rob doesn't have a clue if he thinks anybody is getting rich from
mpi.I alsohave pain all the time and dealing with anxiety when driving and
depression but i guess i got lucky they are covering psychological
problems.People who haven't had to beal with mpi when in a serious accident are
in for one big ugly surprise from a company set up to help us,they will be
totally dicusted with the treatment they get. |
|
| Deadmeat | January 18, 2010 12:18:28 AM |
| Thank you Johnston for the compassion expressed in your comments to Rob's
delusional understanding of how MPIC really functions! I $%!#* ure you Rob that I
don't wake up in the morning considering myself fortunate or that i have won
the lottery! Instead I dread waking up only to realize that I did not perish in
my sleep and I am again forced to deal with another day of pain and misery! Do
you know what it is like to owe every member of your family thousands of
dollars while anticipating the next call they receive from me is only to ask
for more money to pay bills and keep a roof over our heads! Does your 16 year
old son give you every penny he has earned to help you feed your family? Does
your wife and children leave you in the morning wondering that when they return
home they might find their father hanging in the garage since MPI Doesn't
relate my depression to the accident and refuses to fund psychological
intervention! MPI has taken my ability to provide the basics for my family and
my sanity! Rob the next time you some idiot plows up the rear-end of your car
and MPIC deals with your claim for compensation, i am sure you will reconsider
your feelings of being so fortunate while dealing with MPIC! The only one
getting rich under the no-fault system is MPI and the Ajusters
collecting "Lottery sized paychecks and bonuses" by denying basics to the
claimant! So Rob,come live the ''Dream life'' that the "cash cow" has left me
and thousands of other claimants,you will get the feeling of being REAR-ENDED
AGAIN & AGAIN & AGAIN! |
|
| Johnston | January 15, 2010 5:40:59 PM |
Rob, it is clear from your comments that you haven't been injured under MPI nor
have you perused The MPIC Act.
What most people want and expect from MPI is a little fairness. What they
don't expect is to lose their homes because they no longer can afford mortgage
payments due to inadequate Income Replacement from MPI. They don't expect to
have to pay for their own treatments or medications resulting from the accident
because MPI has unilaterally denied these expenses for some self-serving
reason, and they don't expect to retire in near-poverty because MPI saves money
by reducing their Retirement Income Benefit, dollar for dollar because the
injured might collect CPP and/or RRSP monies (which they paid for, by the
way).
And Rob, you needn't worry about injured Manitobans gouging MPI for fake pain
and suffering claims, because MPI did away with P&S in the 1990s. It doesn't
matter if your skin was burned off, you get zilch for P&S. |
|
| Rob | January 5, 2010 1:21:07 PM |
| It looks like some of you are looking for a "cash cow" after an accident. Pain
& suffering...comes with life but if you are fortunate enough to have it
covered by some insurance you may have just won the lottery.
I have heard of much "abuse" of this insurance which drives up the priemium.
I was a "benefactor" of the old unsatified judgement fund after a near fatal
crash in which I was a passenger. Under the existing policies I would feel
quite fortunate.
MPIC is not without faults but come on lets keep it realistic and credible. |
|
| from Martin | January 3, 2010 1:40:47 PM |
Lost and Confused:
I moved from Manitoba to Alberta four years ago, and it did not really affect
IRI directly. I suppose one negative effect might be that cost-of-living is
higher in Alberta, therefore your IRI (Manitoba based) will have less
purchasing power in Alberta.
Truth is though, there are other things which can negatively affect your IRI
(wherever you are living)and there is nothing you can do about it. For
example, if the cost of living increases less than the wage(corresponding to
your "Determined" income) increases , your IRI will be reduced. Theoretically,
over time, IRI could be overwhelmed by determined salary increases and
eventually be reduced to zero. But this would take many iterations. |
|
| Lost and Confused | December 31, 2009 12:37:32 AM |
Hi snowed_in
I haven't checked the legislation though I will be doing so...also, I'm sure my
lawyer will have the answer.
With regard to your comment about your case manager twisting words, etc., I
have the solution is NOT to deal with my case managers by telephone. Under the
advice of my lawyer, it's not necessary if I send what I need to communicate
via email. That way there's definitely a paper trail and you can re-write or
edit as many times as needed prior to sending. Part of my struggle after
several MVA's over the last few yrs is major cognitive issues (loss of
concentration and serious memory impairment, etc), so I choose to deal with MPI
via email and/or Canada Post. If your case manager tells you that you can't
communicate with him/her by email, that is entirely not true. I refuse to have
my words and thoughts twisted when I myself at the best of times have trouble
putting my own thoughts into words and then speak them. I deal with severe
mental and physical fatigue and such, so it generally takes me much longer to
get out in words what I'm thinking or trying to say...at least with email I am
not rushed or pressured, in turn allowing for much less stress and anxiety. My
lawyer also recommended that I have someone I trust, whom is also strong in
verbal and written skills, to help me with letters/emails prior to sending; it
ensures that the case manager will be receiving an email that not only makes
sense but also gives accurate information so as to avoid the
potential "twisting" of one's words. Hopefully this information helps.
The only time I deal with MPI via telephone is when it comes to the
smaller "stuff", and even then I don't always pick up the phone as I'm often
much too fatigued to even perform the task of picking up the receiver, holding
it to my ear, and (again) trying to organize my thoughts in order to put
the "right" words together so they're clear and concise when speaking to my
case manager. It's huge effort and often stressful simply because it has to do
with MPI...and only because they clearly don't believe my claims or my doctors
claims either, or they wouldn't have had me followed several times over the
last 2 yrs. It's sad, frustrating and upsetting...but I try my best not to
dwell on what they "think". Only those in our lives that are close to us know
the truth of our pain, suffering and limitations, as well as our team of
doctors, and that is what counts in the end. Never lose hope, faith and
belief...I refuse to give up or quit. We all have a fight that's worth
fighting at some point in our lives, and for me, THIS is it.
Stay strong!! |
|
| snowed_in | December 30, 2009 8:24:03 PM |
Hi Lost and Confused:
IRI is Income Replacement Indemnity - the wage replacement portion of PIPP,
MPI's Personal Injury Protection Plan. PIPP includes, but is not limited to,
IRI.
Thanks for the feedback on case managers. Mine's a 'treat' (not in a good way).
I have to stop being so naive, since they always seem to twist my words to suit
their slant at the time, and hit me upside the head with a line of twisted
logic I hadn't considered, which is another powerful argument for tape
recording as much as possible and putting it all in writing. :o(
Sorry, I don't know what they can do in terms of preventing you from leaving
the province. Layperson's guess would be that they can't force you to stay, but
it's possible it may affect your IRI payments - they have unusual powers that
make no sense. Have you checked the legislation? |
|
| Lost and Confused | December 30, 2009 8:02:25 AM |
Hi there snowed_in
I've been receiving IRI (is that not the same as PIPP?) for 2+ yrs and have at
least a 1/2 dozen different case managers. I've only had real issue with one
of them, who's actually had me followed several times as well, and requested at
some point that I be given a new case manager. I spoke directly to the
person's supervisor and sent an email to them as well, but no success. There
was definitely cause to request a new case manager and my lawyer agreed, but it
got me no where. All the supervisor did was make excuses for the individual,
but did promise that I could contact her directly should any further issue(s)
arise. Interestingly enough, after the discussion with the case manager's
supervisor, there were no further issues (nothing significant enough anyway).
So I suppose to that degree (and on a positive note), speaking with your case
manager's super. can be worth the effort.......but don't count on your request
for a new case manager to be granted.
All the best.....and here's hoping 2010 is a better for all! |
|
| Lost and confused | December 30, 2009 7:43:51 AM |
| Hi all,
I have a question about PIPP. I am currently receiving PIPP from MPI and have
been for the last 2+ yrs. Prior to that, I was involved with someone who had
moved back home to Calgary, but have kept in touch and still see one another
from time to time. That said, I am now considering leaving Winnipeg to
relocate to Calgary and wonder how that decision may effect my PIPP
entitlements? Can MPI make a person stay in Manitoba who's receiving PIPP? I
believe I would do better in Calgary as they don't have the harsh winter
weather as often as Manitoba does...not to mention, the love of my life lives
in Calgary. Please tell me MPI does not have the power and control to force me
to stay living in a province alone, and in more pain than necessary due to our
harsh prairie weather conditions?! :S |
|
| snowed_in | December 24, 2009 8:10:39 PM |
That being said, there are some areas where I've found MPI's
regulations/decisions to make no sense, where the only solution may be
legislative changes:
- MPI allows massage and acupuncture only through certain providers (physio,
chiro, MD...), none of whom have received the specialized training of an RMT or
Chinese Acupuncturist, which are not covered by MPI. (Note: acupuncture by
Chinese acupuncturist is now allowed with a doctor's specific referral, up to
10 visits at acute phase, but this is not published.)
- If MPI's $%!#* essment shows we can do SOME lifting, twisting, bending, they say
we can return 100% to a very physical job, and there's no further funding for
IRI. Completely ignoring how myofascial pain syndrome works... just because we
can do it 3 times doesn't mean we can do it for 8 hours, and repeat the next
day. This also doesn't take into account the debilitating pain the day after
that lasts several days. Pain doesn't matter to MPI – as long as you're
physically able to do the tasks, even if only once or twice.
- Similar for $%!#* istance at home: If you can vacuum/sweep, cut, wash, shovel,
etc. for 1 minute, that's enough - they don't care how long it takes you to
make a meal or clean your home, or that there is no one else to do the work for
you. You have to be VERY limited in abilities to get any personal care
assistance... and as others have said, it's very specific what they will allow
you to have help with, for how much time each week, and they reassess you
monthly, and cut you off as soon as you drop below the 9-point minimum.
No, it's not fair. Sad, but true. Is there an end in sight? I wish I could say
yes, but as long as MPI has a monopoly on auto insurance/injury, and are
government-backed and legislated, there's no end in sight. Sorry, guys. We're
in the same boat... hopefully we can help each other along, and share any
positive bits of our experience.
After many months of fighting the system, and fighting for my well-being, I've
learned a few things. Here's one that took a while to compute: The only thing
that getting spitting mad at my case manager/MPI does is cause me more pain -
because there's an emotional connection between anger and pain. Try deep
breathing and relaxation techniques. And don't stop fighting, but do it smartly!
Positive note: I've spoken to a few colleagues who have had reasonably good
case managers. There are a few gems, and if yours in one of them, and you
occasionally get a negative decision, realize that sometimes even the best of
them are limited by the system.
I could never do their job - I'm too compassionate.
-----------------------
My question for those of you who've been there, done that: Can a person
successfully request a new case worker? Is there any benefit? |
|
| snowed_in | December 24, 2009 8:09:26 PM |
Sadly, I'm not alone in my fight. I am INCREDIBLY FRUSTRATED, and it looks like
I'm fighting a losing battle, but fight I must.
A few lessons I've learned that I'd like to share with other honest folks who
are trying to get services needed to get back to before-accident status:
- Keep DETAILED, DATED NOTES. Record conversations if you can, and do as much
as you can in writing. Follow up on conversations and commitments, and don't
let them 'forget' about issues they haven't yet addressed. Keep a list of
outstanding items, and follow up on them diligently.
- Be honest, and remember to add words like "sometimes, often, occasionally" to
questionnaires. Abilities and pain level vary from day to day, and we don't
want to misrepresent what we're able to do.
- MPI has policies regarding case management. If your case manager is not
responding to your inquiries in reasonable time, or you're not being treated
professionally, talk to their supervisor. It's the only way supervisors know!
The supervisor thanked me, acknowledged that my case worker was not following
guidelines, and promised follow-up. NO ONE HAD COMPLAINED PRIOR TO ME, and I'd
been dealing with this case manager's unprofessional behavior for months!
- Have clearly in mind what you want to discuss with your case manager, their
supervisor, MDs, or any review/appeal staff. Include specific, detailed
examples, and be as rational and calm as possible.
- If you don't know an answer, don't guess.
I'm far from winning, and I acknowledge that the system is skewed toward saving
the corporation money, and making us bear the cost of product or service
outside of their limited 'medically necessary' scope.
REMEMBER: You can ask your case manager to reconsider a decision if you have
more information. You can apply for an internal review of decisions once you
receive the case manager's decision letter.
File your Request for Review application as quickly as possible after getting
the decision letter, ABSOLUTELY BEFORE THE DEADLINE, even if you've asked your
case manager to reconsider - you can withdraw the request for review if you get
satisfactory resolution, but you cannot apply for a review after the deadline.
It can take a long time to get an appointment for a review hearing, so start
the process early.
Get as much medical support for the review as you can - the medical community's
word means more than ours. Use objective, factual statements to support your
case, not emotion.
Sadly, I'm not alone in my fight. I am INCREDIBLY FRUSTRATED, and it looks like
I'm fighting a losing battle, but fight I must.
A few lessons I've learned that I'd like to share with other honest folks who
are trying to get services needed to get back to before-accident status:
- Keep DETAILED, DATED NOTES. Record conversations if you can, and do as much
as you can in writing. Follow up on conversations and commitments, and don't
let them 'forget' about issues they haven't yet addressed. Keep a list of
outstanding items, and follow up on them diligently.
- Be honest, and remember to add words like "sometimes, often, occasionally" to
questionnaires. Abilities and pain level vary from day to day, and we don't
want to misrepresent what we're able to do.
- MPI has policies regarding case management. If your case manager is not
responding to your inquiries in reasonable time, or you're not being treated
professionally, talk to their supervisor. It's the only way supervisors know!
The supervisor thanked me, acknowledged that my case worker was not following
guidelines, and promised follow-up. NO ONE HAD COMPLAINED PRIOR TO ME, and I'd
been dealing with this case manager's unprofessional behavior for months!
- Have clearly in mind what you want to discuss with your case manager, their
supervisor, MDs, or any review/appeal staff. Include specific, detailed |
|
| Doll | December 3, 2009 10:08:36 AM |
| So I have a question/comment here. MPI's Special Investigation Unit have my
clain for almost 3 months now and have asked me to do the Polygraph because
they don't beleive me. Now, my car was burned and it's a totall loss.
I'm now still waiting on this stupid $%!#* and I was wondering about that
polygraph thing. They say that they won't pay my claim unless I do it. Can
they realy decide not to pay my claim because I don't wana do the polygraph?
What should I do? |
|
| Deadmeat | December 2, 2009 3:17:44 PM |
| Well, congratulations MPIC NO PAY INSURANCE for forcing the sale of our 23 year
home!'' MPIC IS SRCOOGE APROVED'' I am sad to say that soon most of you will be
in the same boat! HOW AM I suppose to keep up with the bills/mortgage payments
after waiting 6 years[and counting]for an appeal.Clearly having my income
reduced from $3400. a month to $400. while im supposed to go to work on
NARCOTICS AND THEN FUTHER REDUCE MY INCOME because CPP Disability found me
total disabled and unable to work ''UPSETS THEM ''Now since MPIC is already
taking cpp deductions from my Determined employment they have further reduced
my IRI [400.00] TO 300.OO while they recover the total CCP LUMP-SUM PAYMENT i
received before i had even payed taxes on that money to which they are not
entitled to a penny of it in the first place!''ONE MIGHT CALL THIS DOUBLE
DIPPING'' lets face it since i became total disabled after my 1998 mva at age
36,MPIC has ensured that my life is $%!#* and is so desperate not to pay, since
i am long term disabled and considering i am 46yrs old now they would have to
pay a long time. MPIC would rather insure that MY family loses everything while
forcing me to go through their appeal process that takes years and years before
you can prove that their AJUSTERS DECITION WAS UNFOUNDED! GREAT SYSTEM FOR THEM
NOT US! No Merry Christmas for Us ! |
|
| joe | November 23, 2009 12:29:54 PM |
| Its really bad trying to deal with such a communist organization like MPIC in a
free society,so where is the compitition for MPI??I'm sure this will get
deleted but thats ok. |
|
| Lost in Forums | November 10, 2009 10:15:15 AM |
Lisa have you seen this movie: Living With Fibromyalgia: A Journey of Hope and
Understanding. I wonder if it gives options on how to deal with the condition.
MPI is rather tricky when it comes to whiplash and pain. They Don't like to
cover either one.
Fibromyalgia has no cure and can only we managed slightly with various
medications, exercise, acupuncture and massage.
Obviously you can't complain about pain to MPI because they don't care, but you
can request acupuncture. If you have MRI's, X-rays, and statements from your
doctors that should be relevant enough to fight, but you can't base the fight on
pain.
Lawyers will drain the already empty account. Do you have any friends who have
had MPI claims that can $%!#* ist you? Read through the MPI Act get your facts and
opinions to line up with the act.
If you were already a claimant and received your decision make sure you respond
within 60 days for the internal review. Then the 90 days for AICAC.
You can scan through the AICAC decisions to see which lawyers have won cases, if
you still feel you need a lawyer. |
|
| Lisa | November 9, 2009 9:58:14 PM |
| I have severe whiplash after suffering from five not at fault MVA's. The 1st
MVA was Nov 2001. The injuries were so severe the dr's thought I actually had
MS but an MRI confirmed that it was not MS but instead I was suffering from
Fibromalgia, Myofacial Pain Syndrome, and all the other diagnoses of sever
whiplash. I have vertebrae so messed up that I have chronic migraines and
limited range of motion in my neck. I am in chronic pain 24/7 and am on pain
medications that cancer patients are on just so that I can hold down a full
time job. Without these meds I would not be able to work. MPI keeps refusing
to pay for these meds and I am terrified I won't be able to work because I
couldn't for two years and I lost 3 jobs because of my injuries. There was no
help for me anywhere. Once I got into the Pain Clinic 6 + years later, I was
finally given the meds I needed but I am thousands of dollars in debt. I need
help fighting MPI. The Claimants Advisors Office says I won't win and they did
not want to help me because I don't have enough medical proof but I read the
reports and I am not sure why they don't want to stand up to MPI for me, the
Appeal Commission will deny my appeals so I am now forced to hire my 2nd laywer
to try to get some $$ out of them but not after the lawyer takes his fee. It
will take more of my time and energy to fight them also. Energy I don't have
after suffering from five accidents. MPI does not recognize Fibromalgia even
though doctors and literature proves that trauma such as MVA's can cause my
injuries but I know for a fact that MPI is settling out of court when they are
up against people who have Fibro and won't back down. I don't know how they
can get away with operating a business so ruthlessly. People pay premiums to
be protected in the event of an accident but people don't realize that there is
no protection until after a accident happens and it is too late. How does the
public fight MPI? How can we make the rest of Manitoban's aware of what is
going on in our province? How can we change things? I want my money but I
also don't want others to go thru what I am going thru and what I know others
have gone thru. MPI should be ashamed of themselves and so should the gov't
for allowing this to happen. Does anyone know of a good Fibro laywer who MPI
is scared of? I have tried a few but I want a pitbull who can take my case and
make MPI cry. I am tired of being the one doing all the crying when I look at
all the pills I have to take and at my $0. balance in my savings account. |
|
| Lost in Forums | November 9, 2009 1:17:33 PM |
This is on the AICAC website.
You may represent yourself or be represented by a Claimant Adviser, a lawyer, or
anyone else you choose. The Claimant Adviser Office is an advocacy office,
completely independent from MPIC and AICAC that has been created to help people
who want to appeal MPIC Internal Review Decisions .
Why anyone would want to use a lawyer or some wannabe lawyer group is beyond me.
There is no factual evidence to prove to they could $%!#* ist any better than the
claimant. Either go to claimant advisor or make friends with someone who will
help for free.
Noel it appears you have learned from your mistake...hopefully. Always have your
vehicle locked and never keep valuables in it. I am sure the MPI special
investigations unit looked into the matter. Your age, the age of the vehicle and
the friends brother should have all been considered. If they didn't go after
your friends brother for the incident then maybe they smelled scam. |
|
| Good Bear | November 8, 2009 4:29:04 PM |
Just thought I would add clarity to the questions and concerns following my
much earlier comments regarding AICAC's decision against the Law Society who
had challenged AICAC suggesting that only lawyers could represent claimants on
Appeals. Mr. Mel Meyers, Chair of AICAC ruled against them in June/July.
However, the difference that now exists is that if a lay representative wishes
to represent a claimant on Appeal he/she must submit to AICAC and be approved
before being formally allowed to represent anyone. This can be validated by
contacting AICAC's office.
To date the Law Society has not challenged this ruling from AICAC.
In respect of advancing a Class Action lawsuit against MPI, I don't mean to be
the bearer of bad news but there are guidelines in place for such actions, and
regrettably they would prohibit such action being heard by the courts.
Please join me in saluting all of the veterans who fought for our country and
world peace, and especially those who have given their lives. May God Bless
them and their families! |
|
| Noel Vadeboncoeur | November 5, 2009 2:04:01 PM |
| I have an MPI story for you... albeit not as disheartening as the medical ones
I've just read. On September 26th I went to a party at a friends... after a few
drinks I decided to stay the night. When I woke up I discovered my car was
missing as well as the key. My friends brother took the key and my car for two
and a half days and emptied out roughly five hundred dollars from my wallet
which was inside my car. I reported it stolen that day. Guess what? The cops
bullied statements out of the sister in which I was to blame for everything.
MPI would not honour the theft policy and MY CAR WAS IMPOUNDED due to a charge
of "PERMITTING A SUSPENDED DRIVER TO OPERATE A VEHICLE" I paid $100 to appeal
before a Magistrate (Justice Harvey) who suggested that I should have locked my
keys IN the vehicle that night to prevent the incident. She also denied my
appeal to release the vehicle from impoundment. Thanks a ton MPI WPS and the
Justice System. As soon as I get the chance I'm moving far far away from here! |
|
| JamesJ | November 1, 2009 12:31:43 PM |
@ robbed
Doing things they said you couldn't do?? Or were you doing things you told them
you couldn't do? People need to be careful how they represent what they can or
can't do. If you fill out a questionnaire which asks how long you can walk and you
reply 30 minutes, then you are held to that.
I think I understand your situation though. You had a better day so you did a
couple extra things, doesn't mean you can do that everyday.
AICAC has many cases posted I'm sure if you skim through them you might find some similar to yours. |
|
| robbed | October 28, 2009 5:35:17 PM |
| has any body went to court with them after they refused to pay you. or showed
you some videos doing things they they said you shouldnt have been doing. where
can 1 get court records showing people who have taken them to court and what
they went to court for. injury claim or vehicles. |
|
| Meg | October 25, 2009 5:14:23 AM |
| Wow! I couldn't have said it better myself. That is my story exactly. Very,
very frustrating. You forgot to mention the fact that they quit paying for
physio or chiropractic after a few years as well even though you may need it
even more as secondary injuries are beginning to occur.
Well done and thanks for giving us the addresses to get hold of the policy
makers.
I keep saying this is an insurance for those who never have an accident and
then why even have it!! |
|
| bob | October 21, 2009 1:36:19 AM |
| what a joke!your actually putting down people who care.wether it works or not
it's not waste of time,if everybody had your opinion,uh oh better whatch what i
say!!!!!what a joke! |
|
| Robert, not Bob | October 20, 2009 6:42:33 PM |
| Anybody had any luck with any politicians? |
|
| Deadmeat | October 19, 2009 3:14:06 PM |
| I am on my last breath dealing with MPI! I am fed up after 5 years of waiting
for an appeal and still none to date. MPIC will make sure that you are stuck in
their system for years in the hope that you will give up and return to some
kind of employment.Unfortunately I have been forced to deal with them since 98
and have seen more of their Doctors then i care to remember, the result is the
same they don't like what this Doctor said so send him to another until they
get what they want to hear! I am losing my home and will be forced to
declare ''Bankruptcy'' if my hearing doesn't take place shortly,exactly what
MPIC WANTS! After dealing with these people you will wish that you had died in
the car accident! I asked that question to my adjuster(what if i had died in
the MVA) and his reply was it would have been cheaper! This is the cold hearted
a-holes you will have to deal with! |
|
| J & J | October 16, 2009 2:18:20 PM |
I used to be a fighter. Dealing with MPI has taken that away from me. I have
heard from a friend that MPI case workers get big bonuses for saving MPI money.
If that is true, Moya Thomson must be rich. She is my case worker. She has lied
to me on several occasions, accused me of lying, withholds my payments for
presriptions (2 months and still waiting), takes her time on sending cheques
for homecare help,(cash I have already paid). I have been told to buy frozen
vegetables and bag lettuce (expensive) as I cannot cut up food due to injuries
received in my hand/wrist in a motorcycle accident. I could not write for a
few months and received homecare forms that had to be filled out in detail. I
was to record every minute I needed help. There are short forms that only
require you to check off what you needed help for, and to add the hours in a
lump total. I requested a short form and was told that they don't exist. This
is a blatant lie by Moya as my husband was also in a motorcycle accident (not
related to mine...he was hit head on by a drunk driver), and he receives these
short forms. What is really amusing is that he has full use of his arms and
hands and I do not. I am in the middle of an appeal but don't know if I can go
through with it. Due to the stress caused by MPI and Moya Thomson, I am now
under my doctors care for depression. I am on daily anti-depressants and have
instant "happy pills" for when I still fall apart.
Can anyone tell me if the appeals court is even worth it? I am fighting for
more homecare. I was allowed 2.75 hours a day. I had a broken bone in my hand
that had to be removed. My husband was in the hospital at the time, so I was
home alone. I had NO use of my right hand. I couldn't even hold a smoke. I
could not dress myself, prepare food, cut my own food, hell, I couldn't even
get the cap off my deodorant my less put it on. When I said I couldn't drive my
car, I was told to take public transportation.
I have talked to several others who have had the task of dealing with MPI. What
pisses me off is that MPI sends out guidlines for us to follow, yet these same
guidlines are not used. Every case is similar in that if we are in an accident
and need help, we are supposed to get it. Some of us do and some of us don't.
MPI replaces damaged clothing. For my husband and myself this was not an issue,
we replaced the clothing and submitted recipts. We were reimbursed. Yet, I have
talked to others, and not only were they not reimbursed, they were not even
told of this. How do we educate ourselves about AUTOCRAP, if there are no set
rules. They do what they want when they want. I will be moving from this
province as soon as possible and won't be back untill "AUTOCRAP" is gone. |
|
| Brian | October 16, 2009 10:30:03 AM |
If you want your plight to get any traction, you need buy in from two groups:
the opposition, and the media.
The opposition will have to drive this so your issues get traction, while the
Media will pile on once they see a juicy story. ONce the Media is on MPI's
back about one thing, they'll broaden their investigations to go after multiple
issues involving MPI.
How do you get the opposition on side? You need to give them an issue that's
easy for the public to undetstand, and which aligns with their goals.
In my opinion, you first need to lobby the opposition to get to the bottom of
the Enhanced Driver's License issue. I'm told that tens of millions of dollars
(may be even hundreds of millions) were spent launching a product that only
5000 Manitobans are using. The whole "Government Waste" angle will play well
to the Small Government Conservative Opposition. Lobby your Conservative MLA
to get to the bottom of the Enhanced License waste.
Once this is made public, the Media will pile on, and start reporting that
story. Once the Media has MPI in its sights on the Enhanced License fiasco,
that's when the rest of you pounce and contact sympathetic reporters about your
grievances on the Bodily Injury side of the issue. They will simply broaden the
scope of their reporting to go beyond Enhanced Licenses and tackle the more
complex issue of MPI's effectiveness as a provider of insurance, including
providing benefits to injured Manitobans.
So, if you want to blow the lid off of MPI, you have to do it in stages. Get
the opposition to start investigating the simple issue of Enhanced License
waste, they'll start throwing out numbers of millions of dollars in waste.
This will get the Media's attention who will start attacking MPI (Hello, Tom
Broadbeck!). At that point, it is up to you to get the Media to broaden their
attacks so that bodily injury, unfair decisions and inadequate insurance are
covered.
Doer's reign ends Tomorrow. There is fresh meet in the Premier's chair. The
Opposition is looking to set the tone. Now is the time to strike. |
|
| John | October 15, 2009 8:07:18 PM |
| Hi, MPI sent me a letter in the mail asking me to go complete the RESPONSIBLE
DRIVER WORKSHOP... I have a speeding ticket from 3 years ago, driving w/o a
license 3 years ago and speeding in september. I was let off of the driving w/o
a license charge w no demarits so that one shouldn't be on there... So my
question is how many charges in what amount of time do you have to get so they
have to MAKE you go to this for 150 bucks and 8 hours of wasted time? |
|
| bob | October 15, 2009 10:32:08 AM |
| I guess we should all just give up,according to some of these blogs.Maybe some
of them work for mpic???? |
|
| Pissed off | October 14, 2009 10:13:55 PM |
| He guys sorry to say, but sit ins dont WORK. only thing that does work is
media, and there is now way in $%!#* thats going to happen, take alook at the
news papers less and less is being said about our fight against this big
corrupt institute. so please get off from that though, only way is a meeting
at the ledge, thats when the media will take u serious. if gays and lesbians
can do it what the hells wrong, with all the people on this site. stop BS ing
your self, this is a money making machine for the government. SIT INS lets get
REAL here guys.when is the next election would be the best time for a ledge
get together to force all those a holes before mpi gets ahold of them to see
things their way. |
|
| bob | October 14, 2009 4:01:36 PM |
| Hey just thuoght i'd say i'd be in for a sit in if it could be coordinated even
for a few hours or whatever,good idea maybe.MEDIA IS GOOD I THINK?? |
|
| bob | October 8, 2009 12:52:22 PM |
| to confused; if you don't like the blogs don't read them at least i'm not
sitting on my but doing nothing,and i haven't seen you have your sit in yet. |
|
| discusted | October 8, 2009 9:23:21 AM |
| hey franki, send faxes to the justice system. all the courts and
prosocuters,judges chambers ect. the only way to get them is to take them to
the real court system, any other seems to be usless. also anybody who thinks
any one from the government side is going to help them, dont bother wasting ur
time or ours posting it. they all work for the money machine. a sit in at the
ledge is the only way to get results and changes to the system. |
|
| Frankie | October 7, 2009 2:21:49 PM |
Pressure needs to be applied to each person involved in anyway with the Autopuke
mess.
There are a few good people there but for the most part each employee from the
head down will try to screw you in their own little way. There is zero
accountability. no matter what low level of service each employee collects their
cheque and benefits.
If there was a price to pay in terms of non-violent resistance each employee
would be less likely to f*ck you over. They are rewarded for screwing you over
(saving the taxpayers money).
A number of years ago a person had a seizure on Pembina Highway. I was stopped
at a red light. In the process he accelerated to over 60 miles an hour and rear
ended me totaling both cars and knocking me unconscious for over 15 minutes.
I have not been paid for the car, the unconsciousness, scissor cut and blood
ruined suit, white shirt, tie, glasses, the destroyed laptop in the trunk or
lost of income.
I am not whining but stating the $%!#* ertion that there is no benefit to the
Manitoba Putrid Insurance Corporation to settle this. If it goes away they save
thousands of dollars.
Over the years periodically I attempt to get movement. No success. Now I fax a
communication which they ignore. Next day I fax another communication along with
a copy of the earlier letter. Which they ignore.
Now I fax a letter to every fax number listed in the phone book. Which they ignore.
Yesterday I faxed over 800 pages (remember each day I add the letters that they
did not respond to). There is something satisfying about faxing over 800 pages.
Now I am trying to get the fax numbers to all the executive and board members,
public utilities. They all hide behind anonymity in secluded plush offices.
Can anyone provide me with more numbers? |
|
| bob | October 7, 2009 11:55:41 AM |
| Just wandering is there a way to send all these blogs/complaints to gov. people?
I've been told by Doctors mpi runs a kangaroo court it's a waste of time even
for them to go there with there patients,If they don't care what doctors say
they sure won't listen to us. |
|
| RED. | October 7, 2009 1:40:26 AM |
| just wanted to let you know that just as i expected the automobile inury
commission is just a puppet for mpi. mpi lawyer came in and was given all the
time to talk as he wanted. when he was finished i was not given the chance to
even respond to the evidence he provied to the commission. i was given exactly 1
minute to be exact. defintly go with a lawyer. after mpis lawyer evidence i was
simply dismissed told my time was up even though it was scheduled for the entire
day nd it was only 12;45. i didnt like the fact that mpi was allowed to present
evidence at that i was not informed about which is cleary stated that was not
supposed to be allowed unless both parties were in agreement and disclosed
before the start of the hearing. disgusted when i aproached hearing room after a
10 min break to hearinghe commission panel 2 women and 1 man all involved with
mpi lawyer in a personal conversation regarding the lawyers wife etc. that was
to me a indication that all were quite known to each other. needless to say i
losed. justas i expected. there just as bad as mpi go with a lawyer that would
be your only chance if they only have to side with who they belive. from start
to finish it was a kangaro court. this is not impartial they are simplly another
corrupt link to mpi. after all who pays there salaries. |
|
| abusedby mpic | October 6, 2009 2:43:36 PM |
| Please understand....the mighty MPIC cash machine makes a LOT OF MONEY for the
provincial government...no one from the government is the least bit interested
in any one of us...all they care about is whether we are in on time with our
payment for our insurance |
|
| bob | October 6, 2009 2:12:04 PM |
| JUST talked to a guy from mr. chomiaks office what a waste of time.they really
could care less what we think. surprise surprise!!! |
|
| frustrated | October 1, 2009 11:17:38 AM |
| brian, its not a waste according to MPI because they are in the business of
accuring infor, like they did when they took over the driver licensing branch.
they do this to keep track of everybody for when the government needs.
government cant be caught doing this, but MPI can. also good for the taxation
dept. because those are the tools used when you get into a car accident to
find things about you and when they need to break you. |
|
| Brian | September 30, 2009 11:21:28 PM |
The real travesty with MPI is the amount of money that they have wasted with the Enhanced Driver
License. They budgeted Millions on what is essentially a lame passport that can't be used to get into
any other country other than the US (and only by car, not plane).
The process to get one is invasive (far more than a passport, oddly enough), it does far less than a
passport, and there is no real reason for the car to exist. Throw in the fact that the Americans have a
similar wallet sized card for Canada-US boarder crossings that anyone can apply for (I think its called
the Nexpass or Nexus or something like that). and the Enhanced Drivers LIcense seems doubly
redundant.
In spite of all of this, they spent MILLIONS on this, telling us that over 100,000 Manitobans would sign
up for this useless, redundant card that is a total pain in the $%!#* to apply for.
Fat Chance. The last time I checked, less than 5000 Manitobans had signed up for the Enhanced Card.
Why isn't the opposition all over this? Why isn't anyone asking how much of our premiums they wasted
on this useless card? Why couldn't all of that money gone to ACTUAL ACCIDENT VICTIMS? Isn't that
what we pay premiums for? I never paid premiums so they could $%!#* them away on useless forms of
ID, that's for sure. |
|
| NoFaultVictims.com | September 25, 2009 1:02:13 PM |
Re mj
The document you reference doesnt confirm Good Bears comments it only
contradicts them. From said document.
Sec 3.2 - Representative means legal counsel, a Claimant Adviser Officer, or an
agent who AICAC is satisfied is competent and who is authorized to represent a
party in the appeal.
So in other words you cannot hire who you want because they like MPI have
absolute power to simply say NO.
Just so everybody knows I am not fighting for the right to hire a fly by night
company. I only wanted to confirm the source of the information as accurate as
I received my paper copy of the document you mention from the AICAC the same
day that Good Bear made that comment.
Claimants need to be careful because if they pay some fly by night company to
represent them at the AICAC; the AICAC can simply refuse to allow them access
to the proceeding. Lets not forget Lawyers are regulated and controlled by the
Law Society. Nobody regulates these independents. |
|
| MJ | September 24, 2009 4:16:57 PM |
Re injured's comments Sept 24
Injured, I think you have hit the nail on the head. The ONLY time politicians
seem to give a damn about the problems of their constituents is when their own
***'s are on the line (leadership conventions/elections). Because several will
be vying for the leadership, they're going to be especially tuned in to [at
least appear to be concerned] peoples' needs and concerns, but of course, their
simulated concerns will last only as long as they need their constituents
approval. This is the right time bring up MPIC "rancidity" and make the
politicians take a public stand. |
|
| injured | September 24, 2009 12:17:04 PM |
| hey bob, hate to burst your balloon, but if you are serious and determined to
set things straight. the only way to do this is to go down to the leg and
pitch up a tent and voice your veiws on this evil enterprise. when the
candidates show up, only then you can put the questions to them on camera,
before the elect a leader, cause if sellinger gets back in you can forget fair
treatment from MPI. other wise a politian is a politian, and when they get in
they will do the same and blow smoke up ur ****. same with the opposition do
you see any standing up. they are all coming out of the wood work now since
they smell a election. once again it must be at the led and get any 1 of them
on camera and get them to give you answers. post when u are going to do this
and I will join you. well pitch then tent and make our stand, but has to be
before they elct their leader. |
|
| bob | September 22, 2009 9:52:47 AM |
| maybe people should be sending letters to NDP members running for leadership.I
did I just got a reply asking me for more info.Don't know if it'sgoing to help
yet but can't hurt and at least it's worth a shot.
PLEASE EMAIL THESE LEADERSHIP CANDIDATES MORE PRESSURE THE BETTER |
|
| JamesJ | September 21, 2009 7:50:57 AM |
@ disabled - Aug 31
Can you file for negligence in the procedure?
I was under the impression any doctors who do treatments under MPIC fall into
the no fault category. Could you better explain what your lawyer wants to do. I
know someone who received malpractice at Health Science Centre during the
beginning days of their claim.
@ RED - Aug 21
Glad you uppercased those 2 comments I think people should be aware of the Level
of Function Questionnaires. Did you ask your case manager to provide a valid
reason for the forms and ask for where it's stated in the MPIC act that you are
required to do the forms. If the case manager can't provide that for you then
technically you don't need to fill it out.
ARCC and WELLNESS can't be avoided if they want you to go they'll make you, or
you get cut off, if you miss a day or 2 without doctors note you get cut off...
Ask MPIC what they'll pay for you to get a private personal $%!#* essment. It'll be
well under the $450+ first day $%!#* essment a place like ARCC will get.
Samantha - Aug 17
When MPI tells you one thing but do another, I'm guessing the original things
they say is over the phone. You need to get everything in writing or audio
recording. That is the only way you will have a case. You need proof. |
|
| Glenda F. C. | September 19, 2009 5:24:37 PM |
| After reading some comments to my comment, I must clarify I was not "waiting
for the car to hit me!!!! I was a good 100 yards away and I have witnesses to
that effect!!! I knew cars came out of that underground parking lot at any
given time as it was near where I work and I used to take that route all the
time so I was prepared to PREVENT being hit!! He came out out there at a good
speed and didn't stop for traffic!! He could have hit a walking pedestrian, a
child or another car/truck!! That backlane is NOT very wide!! Thanks for the
headsup anyway |
|
| Glenda F.C. | September 19, 2009 5:12:05 PM |
MPI really needs an overhaul!! As a pedestrian two years ago, I was hit by a
car while waiting for it to come out of an underground garage. Doctors, except
my own, called it minor trauma, today I am in severe pain and will continue to
suffer. The aftermath has affected my employment and quality of living but MPI
shrugs their shoulders and say,"So what?", if I complain I am told to see a
doctor!!!!
Several doctors at MPI, including a sport doctor, have even gone so far as to
drag up my past medical history to quash the new injuries and need for
treatments as recommended by my doctor.
No fault has got to go!!!!! As a victim, and in empathy with other victims,it
is inhumane and unethical to be treated as though we are minor while MPI sits
on our hard earned money and flaunts their positions..
Let us all get together and take the demand of change to the legislature and
claim our rights to recognition and proper compensation for our injuries, pain
and suffering!! Many of us are suffering from Post Traumatic Syndrome and THAT,
MPI and other government officials, is NOT MINOR!!!!!! |
|
| mj | September 8, 2009 10:42:41 AM |
Anonymous, Re question for Good Bear
You asked Good Bear for the source of info regarding independent representation
at AICAC. I believe the reference you want is
http://www.gov.mb.ca/finance/cca/auto/pdf/aicac_guidelines.pdf
As far as I know, this has been in place for quite some time... |
|
| abusedby mpic | September 8, 2009 12:41:23 AM |
| how's this one? I was in an automobile accident in November, 2003. I was
complaining of the pain and very limited movement in my left arm and shoulder.
MPIC sent me to quack doctor in the north end who had me walking in a circle
around his cattle yard with many other people and then of all things, he had me
lift weights using my left arm. I used to work in the oilfields. No one
thought to order an MRI. Today, I can't use my left arm, have only two muscles
attaching my arm to my shoulder, the others have atrophied beyond repair and
the rotator cuff is torn, healed up with fatty atrophy and is scarred. It
cannot be fixed. I LOVE MPICjust kidding :( |
|
| NoFaultVictims.com | September 7, 2009 4:30:08 PM |
Re: Good Bear
What is the source of your information that says we are now allowed to hire
independent representation at the AICAC? Just wondering because I havent seen
anything published.
Re: Mabrenertz
I contacted the Merchant Law group in March 2009 regarding a class action
lawsuit and I have yet to get a response. I am not holding my breath.
Rally at the legislature is the only way. Politicians don’t give a rats $%!#*
until it costs them votes. |
|
| Mabrenertz | September 3, 2009 3:03:44 AM |
Just thought I would pop in and take a look around as I am currently in a
dispute with Autopuke..though not as serious as most of the good people here..i
am sufferring from a slight discomfort in my rectal regions due to MPIudlians
trying to shaft me there. I have been through a dispute with MPI in the past
(and I should qualify) just a month before no fault was introduced. Long story
short asked for 13,000 to cover vehicle, loss of equipment, and lost income, Was
offered 3600 for loss of vehicle...fought with them for approx a year, all the
time encrueing, loss of income etc. Last month of dispute got a lawyer involved
and within 2 weeks had a cheque for $44,000 in my pocket. Of which he took $4400
on a contingency deal. Gotta love the good old days.
My reason for posting actually is to see why this next course of action has not
been taken...I was also about to suggest it but reading further through the blog
I noticed it already here
The Merchant Law group - a class action lawsuit
They have had very good luck with previous cases and to them no-one is immune..I
think someone with some background knowledge should perhaps at least try this
avenue of reciprocation
And I quote :
THIS IS WHAT TO DO AND WHO TO CONTACT. Class action launched over scratch and
win tickets Last Updated: Thursday, November 20, 2008 10:21 AM CT
Comments57Recommend57 CBC News
A Regina-based law firm has launched a class action lawsuit over scratch and win
tickets.
The Merchant Law group, headed by well-known lawyer Tony Merchant, filed a
statement of claim against the Western Canada Lottery Corporation on Tuesday.
Yadda Yadda Yadda
Mabrenertz
As I'm sure yours does as well |
|
| disabled | August 31, 2009 12:23:31 PM |
| hi have a question, my lawyer needs a letter from my doctor stating negelance in
the procedure when I was in emergency at the hospital. for my case against the
hospital. does it have to be from my doctor or can it be from another doctor here
in the city or from another part of canada. |
|
| Good Bear | August 31, 2009 8:59:20 AM |
Good news for all mpi claimants. AICAC has confirmed that you do not need a
lawyer to represent you at an appeal. in addition to you, it can be a friend,
relative or an independent claim consultant. however you should be aware of the
following statistics from AICAC's history past 4 years regarding appeal success
rates:
claimant/family/friends 30%
lawyers 60%
there are no statistics for independent claim consultants, as up until now they
have been denied access to the process. this is not an endorsement for prior
consultants. just a statement of facts.
the problem is this... good luck trying to find a lawyer and one that you can
afford. |
|
| NoFaultVictims.com | August 27, 2009 10:38:02 AM |
Red:
Remember Mpic Act Sec 183 when at the AICAC level
web2.gov.mb.ca/laws/statutes/ccsm/p215e.php#183
They are not bound by the laws of evidence. In other words they can believe you
or they can exercise their right to do whatever they want. You could have a
rock solid case and the end result is always the same, they decide what they
want.
No different than MPIC throughout the claims process. |
|
| Martin | August 24, 2009 7:48:30 PM |
| Red:
If you have a look at the various cases posted on the AICAC site (within Dept
of Finance, Manitoba website) you will note that more than a few of the cases
were found on behalf of appellants. I personally have been involved in two
separate "appearances" (teleconferencing) before AICAC; I won one and lost
one. From my (limited) experiences, it is my conclusion that AICAC is a fair
process, and that if you have a case, you will win. Having said that, chances of winning are much less than 50-50 because what MPIC can do is enshrined in law, and as
long as MPIC stays within the provisions of the MPIC Act, MPIC will win. |
|
| Moes | August 24, 2009 4:32:42 PM |
| Question ?? does anyone know about Primary CareGiver ?? I like 2 know if
Personal Care Services are taxable or not ??I was told no by mpi |
|
| NoFaultVictims.com | August 23, 2009 7:01:16 PM |
Andrew
I hate to say it but I think you are screwed. Its no different than "the guy
who mugged you" what are you going to do about it if the police dont find him.
As sad it sounds it would have been better off for you if you clipped him a
little. (I am not suggesting anyone do that) |
|
| RED | August 22, 2009 1:51:08 AM |
| Does any one know anything about the automobile injury commision. I have heard
they are no better than mpi. Most dont win there appeals. Sounds like a arm
length company working with mpi. Anyway dealing or have had an appeal with auto
injury commision please let us know. |
|
| RED | August 21, 2009 1:39:47 AM |
| WATCH OUT FOR THOSE LEVEL OF FNCTION QUESTIONIARES THE NEWEST TAQTICS OF MPI IS
TO CUT YOU OFF FOR MISREPRESENTATION. FOR EXAMPLE YOU TELL MPI ON THE FORM THAT
YOU CANT BEND. THEY SEE YOU ON A GOOD DAY PARTIALLY BENDING OVER DUE TO THERE
COUTLESS SURVELLIENCE. GUESS WHAT YOUR CUT OFF ALL BENFITS FOR MISREPRESENTING
BYOUR ABILITIES. WORDS LIKE OCCASIONALLY AND SOMETIMES ARE BETTER TO USE THERE
HAS BEEN COUNTLESS CLAIMANTS CUT OFF FOR MERLY WRONG CHOICE OF WORDS. AVOID ARCC
AND WELLNESS CLINIC THESE ARE ONLY USED BY MPI TO CUT OFF YOUR BENFITS.O |
|
| RED | August 21, 2009 1:29:09 AM |
| THEY PUT YOU IN WORK CONDITIONING PROGRAMS WITH INTENTION OF CUTTING YOU OFF
AFTER 6 TO 8 WEEKS. THEY DONT CARE WITH YOUR READY OR NOT. THEY GET BIG BUCKS
FOR YHESE PROGRAMS DOCTORS LIKE HOY LESIUK SOMMERS ARE ALL MPI DOCTORS AND THERE
ONLY INTEREST IS HELPING MPI BY FALSAFING THERE REPORTS TO HELP MPI CUT U OFF
ARCC WELLNESS CLINIC ARE ALL THE SAME DONT BE FOOLED U; COULD GO IN THESE PLACES
IN A WHEELCHAIR PARALAZED. AND THEY WILL DO A REPORT SAYING YOU CAN WORK AND
THATS NOTHING WTONG WITH YOU. WATCH EVERYTHING YOU SAY DO TO MPI IT WILL BE
TURNED AGAINST YOU |
|
| Susan Charles | August 19, 2009 4:02:40 PM |
No privatization without referendum
14.1(1) The government shall not
(a) take any steps to privatize the corporation or all or any part of its
insurance undertaking; or
(b) present to the Legislative $%!#* embly a bill to authorize or effect such a
privatization;
unless the government first puts the question of the advisability of
privatizing the corporation or undertaking to the voters of Manitoba in a
referendum, and the privatization is approved by a majority of the votes cast
in the referendum. |
|
| Andrew | August 17, 2009 2:07:53 PM |
| Recently I was driving and a truck essentially ran me off the road by taking
the turn way too wide. In order to avoid a head on collision, I swerved over
the shoulder onto the boulevard. In doing so, I blew the passanger side
tires, destroyed my rims and had some suspension and alignment damage. The
other driver did not stop and despite having an independant witness who saw
the incident (but also did not get the plate number), MPI has me at 100% fault
and I also have to pay the sur-charge on my license. Has anyone heard of
being able to appeal this? It seems to me, I would have been in a better
position to hit this guy instead of swerve to miss him (assuming of course I
was not injured).
Thanks |
|
| Samantha | August 17, 2009 12:22:24 PM |
| I find MIP are nothing but a bunch of crooks who will tell you anything you
want to hear to get you off their back. They try to make it seem as if they are
on your side and are trying to help you anyway they can, however in the long
run they are just trying to screw you from behind.
when i was 9 years old i was in a car accident, i flew through the front
windsheild of the car on to the high way. I was wearing a seat belt at the time
that snaped cracking my pelvis' in 3 different places, i also suffered a
dislocated jaw missing teeth and multiple lacerations. As of today i have had
roughly 20 surgarys due to my injuries. I have asked MPI for help regarding
these surgarys and found that i am being told one thing and they are doing
another. I was also told that since the accident has happend a long time ago
that i should get over it already. I find it very sick the way MPI are dealing
with sensitive issues such as mine. I am glad i discovered this web site and I
will be emailing and phoning everyone for something to change and I will be
encouraging everyone around me to do the same. |
|
| JamesJ | August 17, 2009 11:48:44 AM |
The majority of people who require rehabilitation services are people who have had
work place accidents or vehicle accidents. That said most are under either WCB or
MPIC.
Rehabilitation Centres need these patients in order to keep their businesses
running. If these businesses don't abide by these corporations requests it would
be easy for the corporations to limit or remove all their claimants. Anyone given
power over another can become corrupt.
I heard that A.R.C.C. and Wellness Institute are influenced by WCB & MPIC |
|
| injured | July 31, 2009 5:59:20 PM |
| hi any 1 ever go to the river view health centre. just wondering if MPI has
corrupted them and if they are to be stayed away from. thx |
|
| Jon | July 5, 2009 9:21:47 PM |
| I was in an accident in 2003, broke 4 toes on my left foot and mpi ended up
paying 14.440 plus 3.200 for wage loss, 1% for every broken toe
8% for scarring maximum apperently, anyways I appealed the decision and am
having problems getting through their head, I am appealing the following
1. toes healed up all crooked and hammertoed with exposed metatersal heads
2. medical expenses from traveling back and forth from the hospital
3. been working with physiotheripast and says I still have very tight flexion
causing reduced range of motion and my toes to hammer (curl up)
email me if have any thought on this or some simular expirence @
johnny_rimes@hotmail.com hearing with big guy right around the corner |
|
| Jesse G | July 2, 2009 10:47:44 PM |
| The lady admitted to the accident being her fault, and they still blamed me, and
charged me the $200 for it.
At the time I was a student, and I couldn't, honestly still can't afford it.
Biased towards teens?
Yep. |
|
| James | June 24, 2009 11:45:47 AM |
Yes as mentioned you can appeal the right to sign any form.
As NoFaultVictims stated it would take years.
I, like most other people can't survive without IRI. Therefore I wouldn't
recommend not signing the medical forms.
@ Happen to Know, I write here to contribute, share and gain knowledge.
Information that I post is what I have read or hear and I don't expect people to
rely on my information alone. I was under the impression this blog was for
people to combine their thoughts and opinions to help fight a corporation.
Because this is your first post I would link you to the likes of:
Appalled even more, whatever, Dim Wit, Appalled, admittedly, very discouraged
and all the other nonsense names that seem like wannabe lawyers or people trying
to make this a less helpful site. Instead of discouraging posts by bashing
people you should contribute with meaningful information. |
|
| Brian KLYM | June 19, 2009 4:52:36 PM |
| autopac has been screwing the public for YEARS. on everything from write-offs,
to motorcycle rates. it worked very well when intoduced in 1971, but has been
perverted into a money-hungry, greedy, and ignorant clown corporation.
poor service, high rates, and a bad attitude are the best they can offer....... |
|
| re lawyers | June 17, 2009 7:22:07 PM |
You can say what you want about lawyers but the facts are:
Pre No Fault lawyers where paid by commission for results.
Post No Fault lawyers are paid by the hour.
It is illegal for IRXperts and Laurie Tomlinson (Non lawyers) to charge for
legal advice.
All you have to do is read the blogs you question and see that you have many
years of fighting to get basic benefits. If you are stupid enough to hire a
lawyer by the hour or an illegal representative....I'm sorry but you get what
you deserve. MPI's not the bad guy???? MPI created the laws making lawyers get
squat and you hired him. |
|
| Conrad | June 17, 2009 5:06:18 PM |
They take your money and deny your claim. That is robbery plain and simple!!!
No if and or butts about it! What a joke.
The government regulates business to no end, but no one is regulating this pig. |
|
| LAWYER BILLING | June 17, 2009 11:20:55 AM |
| i received 22.222.29 from mpic for accident when my lawyers where finished
with me i brought home 6.287.55 this was my first bill then...i received from
mpi for same accident 19.161.05 and when the same lawyers were done with me i
brought home 11.995.08 so lets do the math 19.161.05 plus22.672.29 equal
41833.34 thats what mpi payed my lawyer i brought home 18282.63 thats a little
bit less than what mpic payed me so if you want to know more about funk and
strell please give me a nudge on computer and ill fax you the origanal bills i
have from the blood suckers. my adress is tstimony@shaw.ca |
|
| steve timony | June 17, 2009 9:59:24 AM |
| I cant help but wonder about most if not all these blogs. yes i had to get a
lawyer to get my claim going and it was FUNK and STRELL. let me give yous some
of my thoughts..those two lawyers are a prime example of blood suckers.yes they
got my claim going but at a crazy price.and when mpic payed me guess which two
got must of the money.while i starved for almost one and a half years.now that
i get IRI all is well.and i fired those two guys. but if i may ill show you
what the bill looks like. ive talked to a representitive at the legal society
in manitoba. i have a strong case but sounds like i will need a lawyer. to $%!#*
with them. (take from give to another). too much writing to put down word for
word so ill try and summerize it for the readers interested in getting a
lawyer.I myself think mpic is NOT the bad guys its the LAWYERS.ive been on IRI
for almost a year and a half. without a glitch. After dealing with mpic for
that amount of time i have gotten to know my case manager. (nice guy) really he
is All bull $%!#* a side. look on for lawyer billing |
|
| greek | June 16, 2009 11:50:42 AM |
| how come all lawyers, put that form under your nose to sign, my bud put down on
his only medical and no personal and enitialed it, but they came back stating no
you must sign our original forms, but never gave him a letter stating you will
be cut off or no benifits will be paid if you do not sign the original forms,
also the lawyer states this.and they also wanted to go back 4 claims back which
is 3 to 5 years back. please people shed more light on these matters for us. I
understand you probily had a better lawyer for your claim and paid more, but if
you could help my bud would be in a better state of health. or post your lawyer
so he can switch. thx |
|
| happen to know | June 16, 2009 8:46:49 AM |
To James J, some of the info you provide is not exactly correct. If people go
by what you have written they could be giving up some of their rights and
setting themselves up to be jerked royally by MPI. MPI requires the medical
info but there are many ways to acquire this. The form stuck under your nose
is NOT the only form for release of medical info, there are PHIA ans FIPPA
compliant forms. I appreciate you are likely trying to help people but some of
the info isn't accurate. If people have issue with a form, state this in
writing and go to the Ombudsman. It is not as you imply an absolute
requirement to receiving IRI. Not sure about the 'personal opinion' comment,
if you are referring to the doctors then I would have to disagree that the
opinion isn't important. If their opinion affects your claim and or benefits
then it is important. You are entitled to a copy of your claim file and there
needs to be clear indication of "how" they arrived at the decision (eg. to
terminate a benefit)
You are wrong about the tape recording, whoever provided you with that
information is misinformed. Hope this helps. |
|
| James J | June 15, 2009 9:21:40 PM |
Medical Forms are a requirement to sign, under the MPIC act you'll lose your IRI
until you get the medical form signed. The medical form allows MPIC to
communicate with the doctor's, Physio, Chiro, etc.... They apparently expire
after 2 years. MPIC also tries to find out past medical history, but in my
opinion if it's not related to the accident than MPIC doesn't need to know. When
a doctor makes a decision on a claimant they'll send a report to MPI, the
"important" medical reports you would receive as well. Personal opinions they
don't forward to the claimant over privacy issues.
Social Insurance Number (SIN) you need to give that to anyone who gives you
money. Employer, Government, MPIC via IRI. It's the governments way of tracking
a persons income.
MPIC uses the scare tactic of cutting of IRI if their various papers aren't
signed. Income Tax papers is another one, probably due at the end of this month.
@ Steph the form that says you can go back in 2 years? I'm confused are they
trying to make you agree that you'll be healed and fit for work within that time
or is it to do with the 2 year determination?
@ Glenda the way you have worded your post states that you Knew cars came out of
there and you waited for the car to hit you. When dealing with MPIC you need to
be very careful of how you word things, thats why I don't agree with phone
conversations with MPIC. It's better to have everything written. They hope for
you to make errors, they want your report riddled with errors to make it harder
to fight them later on if needed.
Tape recording: It was to my understanding that you can record anyone without
them knowing so long as you tell a third person (family member / friend) and the
third person agrees on the recording that they are aware it is being recorded.
MPIC uses recorders on their phone conversations, video and audio recording when
a person goes to a meeting and even hires private investigators to do surveillance. It's should go both ways. |
|
| greek | June 15, 2009 1:49:53 PM |
| greek do you have to sign those papers for private infor and medical, is there
away a round it. and do they have to follow the privacy rules when you do sign
them or when you do sign them rules are out the door. please let me know for all
the questions. |
|
| MG | June 14, 2009 10:36:59 PM |
| The entire process from beginning to end is corrupt. PS, Dont use IRXPERTS for
help. |
|
| V.C. | June 4, 2009 4:38:33 PM |
| Personal information is defined as whatever MPIC wants it to be once you've
signed that form. Educate yourself about your rights covered by other
Legislation in MB. Write to your MLA and MP and any other politician. Good
luck....you'll need it. |
|
| mf | June 4, 2009 4:28:19 PM |
| Steph, MPI's medical authorization form has been a bone of contention for many
years, and the subject of an investigation by the Ombudsman. (I'll write some
more later.) |
|
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