So what is left?
Since 1992 I have been forced into a situation of various types of abuse and psychological torture, each day I try and forget the wrongs which has been done to others and my family.
I wake up almost every morning more tired then when I went to bed, the nightmares I have of the financial fraud, the embezzlement and the down right arrogance of the people that have created this situation for us.
Imagine a situation where you have to go to your insurance provider and convince them that due to the their handling of your finance's that you are unable to secure a bank loan to payoff a debt that would have been prevented if they had not been playing financial games with you.
They of course agree to granting a loan, providing that it is on their terms, where they approve it at 12% compounded monthly, which in turn works out to 1/3 of the actual loan itself; later during the course of the loan a payment specialist decides that 11 out of 20 payments had not been paid and therefore adds another 12% compounded interest, although the money is removed from benefits before any payments are sent out; which now makes the total payment of the loan at 2/3's of original.
Then there is another situation where you create a portable work station that works with your new disability, you go as far as designing, finding a manufacturer and a national retailer to distribute your new creation, only to be told that you have no business experience by your insurance carrier ( as it is they who now control your life), therefore you must be retrained in a course that will enable you to earn the finances you need to complete the process of your plan for the sale of your creation, if you do not have the proper education for this course , do not worry; as pass , fail or drop out the insurance provider is done with you and they have refused any additional educational training you may need to succeed.
You are two months into your academic training, you are forced to inform you insurer that you are incapable of being a success unless you receive other training as well or you are then forced to resign your academics, again you are refused the necessary training that is needed and therefore inform them that you are forced to drop out of academics.
In the mean time you have been attempting to get the financial situation straightened out on the loan and find that that there has been more financial manipulation on your file where money that is claimed to be owed by you to your insurer and has been collected by them three times now and this is the first you find out about it.
You begin to dig deeper into the finances of your benefits and find $20,000.00 that has been held back from payment for Four years, you find another $10,000.000 that also has been held back from payment,then you find that your insurer is claiming that you have been over paid by over $14,000.00, while the only way to find this information is by going through the payment records.
In the payment records there are a couple of withdrawals on your account by separate managers, while the accountability is there for any monies that have been paid out eg: cheque numbers and reason for withdrawal, that these particular withdrawals by the managers has no reason, no cheque numbers as the money was taken out as cash and referred back to the you as an overpayment which is then immediately deducted from your benefits.
After further investigation you find, that cheque numbers and amounts do not match the actual cheque stubs, different amounts entered on the cheque as compared to the financial report, you find amounts that were claimed to be paid to you being blacked out so you are unable to know the true amount. So you start asking questions to those in charge and receive an instant " We Do Nothing Wrong, You are the One that Does not Know how to read a Financial Report as Your Education can Prove" all you have left is to call for an audit on your insurance claim. At that exact time a fraud Investigator makes contact with you and you feel as if " Hey They Are Going to Do Something About This", only to find out that they now are investigating you for not going to the academics that they had set you up with prior for attempting to succeed on your own with minimal assistance from your insurance provider.
Your academic's included two day course on computers, with a pre-course of the main academics to give you a head start, all a couple months ahead of time,of which these were done over a period of weeks scattered over a four month period.
As you go into the appeals process on the audit, the investigator that was hired to investigate you for not completing your academics, tells the Appeals Commission that "If they are to go through with the appeal, they will be subpoenaed into court, as you are attempting to gain forgiveness on the money that you wrongfully collected while supposedly attending the academics". Even with that threat, they vote in favor of your stance of the requested audit, which in turn is not completed correctly and it has to be taken to the Appeals Commission again to force the insurance provider to do the job correctly, after the third time in Appeal you are informed that you can no-longer appeal the audit pertaining to the finances that were duplicated and removed from your benefits, at that time the insurer makes another decision that you are capable of having a minimum wage employment; however at a higher rate which is picked by a manger of the insurer (after all who ever heard of a retail sales clerk making $32,000.00 a year as a starting wage), then each year after that they calculate the amount of wage increase you would make in that position, which in turn works out to a $600.00 per month and they then alter your benefits accordingly; remember you are not working at this position, they are just saying you are capable and deduct that amount from your benefits.
Now you are getting ready for court on the charges their investigator has laid against you and you are able to prove the file information has been manipulated, after all they are stating that the time period you committed this crime against them is more then what was actually scheduled for academics and you did inform them of the situation even before you started academics along with letters from the academic institution that you were attending, stating that you are need of further training in order to be successful , with their recommendation as to which course would suit you best.
You talk to your lawyer for over a year, preparing for this court case, he shares with you that there is enough to show that you were doing everything correctly and that there should be no problem on getting an acquittal of the charges, a family member passes away in another province and you are forced to postpone court for another month, during which time the prosecutor that your lawyer has been working with is dismissed from the case and a new prosecutor is assigned, at which point your lawyer does not tell you until you are at the court room doors that " You do not have enough Evidence to prove the File manipulation, you are best to plead guilty and go for a suspended sentence or plead not guilty and face the maximum of Five years" with a handi-capped child that has had over 25 surgeries in a 5 year period, you cannot bring yourself to take the chance and not be there if anything was to happen.
After the court was completed, the insurer had then tripled the amount they claimed you had wrongfully taken from them, along with adding time that was not even part of the academic training period, you are dealing with an organization that is ABOVE the LAW and Government Legislated, yet your Government does nothing about any of this , in fact they they have refused prior to have this practice by the insurer investigated when other members of the Legislation have brought up accusations of similar activities the same year that this had all started.
So what is left? Take the law into your own hands to deal with the corruption of our Government and its agencies? Suicide due to the control they are Legislated have over you ( in certain situations your lawyer as well)? Are you to perform a Criminal act in an attempt to gain the attention needed for criminal activities these insurers commit ? You are tired of the scam that they portray is a benefit to you, to the point that you have sleepless nights and nightmares of what they have said and what they have done, right down to that egotistical /domineering tones of their voices and the their cynical laughter of being above the Law and there is nothing you can legally do about it.
I wake up almost every morning more tired then when I went to bed, the nightmares I have of the financial fraud, the embezzlement and the down right arrogance of the people that have created this situation for us.
Imagine a situation where you have to go to your insurance provider and convince them that due to the their handling of your finance's that you are unable to secure a bank loan to payoff a debt that would have been prevented if they had not been playing financial games with you.
They of course agree to granting a loan, providing that it is on their terms, where they approve it at 12% compounded monthly, which in turn works out to 1/3 of the actual loan itself; later during the course of the loan a payment specialist decides that 11 out of 20 payments had not been paid and therefore adds another 12% compounded interest, although the money is removed from benefits before any payments are sent out; which now makes the total payment of the loan at 2/3's of original.
Then there is another situation where you create a portable work station that works with your new disability, you go as far as designing, finding a manufacturer and a national retailer to distribute your new creation, only to be told that you have no business experience by your insurance carrier ( as it is they who now control your life), therefore you must be retrained in a course that will enable you to earn the finances you need to complete the process of your plan for the sale of your creation, if you do not have the proper education for this course , do not worry; as pass , fail or drop out the insurance provider is done with you and they have refused any additional educational training you may need to succeed.
You are two months into your academic training, you are forced to inform you insurer that you are incapable of being a success unless you receive other training as well or you are then forced to resign your academics, again you are refused the necessary training that is needed and therefore inform them that you are forced to drop out of academics.
In the mean time you have been attempting to get the financial situation straightened out on the loan and find that that there has been more financial manipulation on your file where money that is claimed to be owed by you to your insurer and has been collected by them three times now and this is the first you find out about it.
You begin to dig deeper into the finances of your benefits and find $20,000.00 that has been held back from payment for Four years, you find another $10,000.000 that also has been held back from payment,then you find that your insurer is claiming that you have been over paid by over $14,000.00, while the only way to find this information is by going through the payment records.
In the payment records there are a couple of withdrawals on your account by separate managers, while the accountability is there for any monies that have been paid out eg: cheque numbers and reason for withdrawal, that these particular withdrawals by the managers has no reason, no cheque numbers as the money was taken out as cash and referred back to the you as an overpayment which is then immediately deducted from your benefits.
After further investigation you find, that cheque numbers and amounts do not match the actual cheque stubs, different amounts entered on the cheque as compared to the financial report, you find amounts that were claimed to be paid to you being blacked out so you are unable to know the true amount. So you start asking questions to those in charge and receive an instant " We Do Nothing Wrong, You are the One that Does not Know how to read a Financial Report as Your Education can Prove" all you have left is to call for an audit on your insurance claim. At that exact time a fraud Investigator makes contact with you and you feel as if " Hey They Are Going to Do Something About This", only to find out that they now are investigating you for not going to the academics that they had set you up with prior for attempting to succeed on your own with minimal assistance from your insurance provider.
Your academic's included two day course on computers, with a pre-course of the main academics to give you a head start, all a couple months ahead of time,of which these were done over a period of weeks scattered over a four month period.
As you go into the appeals process on the audit, the investigator that was hired to investigate you for not completing your academics, tells the Appeals Commission that "If they are to go through with the appeal, they will be subpoenaed into court, as you are attempting to gain forgiveness on the money that you wrongfully collected while supposedly attending the academics". Even with that threat, they vote in favor of your stance of the requested audit, which in turn is not completed correctly and it has to be taken to the Appeals Commission again to force the insurance provider to do the job correctly, after the third time in Appeal you are informed that you can no-longer appeal the audit pertaining to the finances that were duplicated and removed from your benefits, at that time the insurer makes another decision that you are capable of having a minimum wage employment; however at a higher rate which is picked by a manger of the insurer (after all who ever heard of a retail sales clerk making $32,000.00 a year as a starting wage), then each year after that they calculate the amount of wage increase you would make in that position, which in turn works out to a $600.00 per month and they then alter your benefits accordingly; remember you are not working at this position, they are just saying you are capable and deduct that amount from your benefits.
Now you are getting ready for court on the charges their investigator has laid against you and you are able to prove the file information has been manipulated, after all they are stating that the time period you committed this crime against them is more then what was actually scheduled for academics and you did inform them of the situation even before you started academics along with letters from the academic institution that you were attending, stating that you are need of further training in order to be successful , with their recommendation as to which course would suit you best.
You talk to your lawyer for over a year, preparing for this court case, he shares with you that there is enough to show that you were doing everything correctly and that there should be no problem on getting an acquittal of the charges, a family member passes away in another province and you are forced to postpone court for another month, during which time the prosecutor that your lawyer has been working with is dismissed from the case and a new prosecutor is assigned, at which point your lawyer does not tell you until you are at the court room doors that " You do not have enough Evidence to prove the File manipulation, you are best to plead guilty and go for a suspended sentence or plead not guilty and face the maximum of Five years" with a handi-capped child that has had over 25 surgeries in a 5 year period, you cannot bring yourself to take the chance and not be there if anything was to happen.
After the court was completed, the insurer had then tripled the amount they claimed you had wrongfully taken from them, along with adding time that was not even part of the academic training period, you are dealing with an organization that is ABOVE the LAW and Government Legislated, yet your Government does nothing about any of this , in fact they they have refused prior to have this practice by the insurer investigated when other members of the Legislation have brought up accusations of similar activities the same year that this had all started.
So what is left? Take the law into your own hands to deal with the corruption of our Government and its agencies? Suicide due to the control they are Legislated have over you ( in certain situations your lawyer as well)? Are you to perform a Criminal act in an attempt to gain the attention needed for criminal activities these insurers commit ? You are tired of the scam that they portray is a benefit to you, to the point that you have sleepless nights and nightmares of what they have said and what they have done, right down to that egotistical /domineering tones of their voices and the their cynical laughter of being above the Law and there is nothing you can legally do about it.
Labels: academics, Alberta, corruption, criminal, embezzelment, fraud, insurance, investigator, threats, training
posted by k.w.m at
9:52 AM
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