Where has the Canada Pension Money gone?

There has been a lot of talk in the past couple of decades that our Canadian Pension is dwindling , to the point of nothing being available when my generation gets to retirement age (which is not that far away).

In the past few years I have been fighting for my rights which have been taken away by a provincially Legislated Non-Profit Organization, this Organization is responsible for the coverage of those who are injured or become ill from their work place. As many of the permanently disabled/ ill have come to realize the hard way is that the WCB's across Canada will do anything to protect their profits, which they use for international meetings, rewards to safety groups that basically do nothing, wages and most importantly their pensions. So we can see from their side as to why they want the employers of Canada, which includes our Provincial/ Federal Governments, our RCMP, our Military and those who stand guard of the Criminals that are kept in our prisons.
A recent court document that I had the opportunity to view, dealt with a Disabled by Occupation employee that fit into the latter of these categories, one sentence really caught my eye from the court transcript: " Your Honour,  the court of this province (Alberta) has no jurisdiction regarding the WCB " the Judge agreed and the lawsuit against WCB was dismissed.
(Alta WCB Act sec2.1: States " the Board has the same Rights, Powers & Privileges of a Natural Person")

The WCB of Alberta has made it clear that they do not have to follow the laws that are written up for all Canadians, nor do they have too fulfill their Legislated responsibilities to those who they were created for back in 1913,  as the tens possibly hundreds of thousands of Disabled by Occupation will verify and that have been lead to a life of poverty.

There is now a new way of preventing poverty of which the WCB of Alberta hopes all disabled by occupation will follow, they have their spokesmen going around talking to other Disabled by occupation into forgetting about their WCB benefits and to collect the pensions they are entitled too from Canada Pension.

Many have been informed of this "New" prevention of Poverty, only to find out that once they are accepted for pension , whether it is CPP or ASIH, they lose their benefits of WCB, including any monies that may still be owed to the claimant. Upon collecting CPP, depending on your age and contributions, will determine your pension and upon reaching retirement age your pension will then be recalculated for the amount you previously received and "deducted accordingly".
Mean while the Canada Pension decreases, the employers pay their premiums to WCB, who does nothing for the disabled Worker, the disabled worker's life is borderline poverty "until retirement age" and those who go around helping the WCB promote this "New Poverty Prevention" have no idea of what they are promoting, what should be promoted is the fact that the WCB of Alberta and across Canada for that matter should be stripped of their Judicial Immunity, laws that are in place for insurance carriers to be enforced to fullest extent of the law, and to prevent non-profits organizations such as the the WCB from having over a Billion in profits that is handed over to others, when it is meant to keep those Disabled by Occupation out of poverty and to assist them in gaining control of lives, instead of being treated like the poorest people of 3rd world countries.

After All the Majority of Disabled Workers became so from building this Province/Country , not by sitting behind a desk dictating what is best for others, destroying lives of Canadians, basically stealing from our pockets, when their only goal is to Profit themselves and have others succumb to their demands, sounds a lot like Organized Criminals to me .

Letter to Mr.Mah ; Legal Representative to the WCB of Alberta

Mr.Mah
I would like to address a few issue's with you pertaining to criminal activities of the Alberta Workers Compensation Board, from fraud, blackmail and extortion to United Nations Human Rights Violations,
as well as the conduct of some WCB employee's.

What right does a WCB representative have to threaten Members of the Appeals Commission with court action against them if they follow through with a hearing pertaining to false financial reports and the practice of manipulating various types of information.

What give the Workers Compensation Board the right to choose an employment for a Disabled Person that they have no desire to participate in or have a suitable personality for that forced occupation, which in turn is a conflict of interest of the United Nations Declaration of Rights concerning the Slavery clause as being forced into an occupation and the wages for such employment are forced upon the Disabled Person, for the reason of reducing benefits and forcing those people into poverty.

What gives a WCB employee who is not medically trained, the power to over ride a Physicians instructions on medical care and rehabilitation, while forcing that person into more physical injury and unnecessary pain.

WCB employees forcing person's into academics that they are unqualified for,refusing to provide them with the academics that they need to succeed, while stipulating rules of pass, fail or drop out the WCB is done with them.

Why should these already disabled people, be subjected to Physiological terrorism by the employees of the Workers Compensation Board and its affiliate businesses, by accusing the disabled person as being a malingerer or non-compliant due to their pain threshold is at the limit and yet are forced to continue by those who are for the most part unqualified for their positions.

WCB's contact with the department of Family Services to have a family denied assistance due to the Deeming of Employment and Manipulation of Information and having that same family into the courts fighting for their children due to the corrupt actions of the Alberta Workers Compensation Board.

Extortion of monies from the disabled person's and the rise in premiums to the employer's, (I speak of the 2003 Auditor Generals report specifically and to the T-5's issued for that year)

Medical malpractice by employees and Doctors of the Alberta Workers Compensation Board, by not fully diagnosing the patients or Staff's claimed Medical knowledge from reading medical reports, to the abusive and inhumane treatment of person's at the WCB sponsored rehabilitation Centers.

For a non-profit organization you have accumulated a lot of Finances, Property and an extreme amount of high paid staff all at the cost of disabled people and the employers that are forced to be subject to the criminal and inhumane practices of a money laundering business.

Sincerely
Ken

Mental Stress by WCB of Alberta

For the past 6 out of 10 years I have had many thoughts pertaining to WCB and their actions, lost many hours sleep due to nightmares or frustration, the mind games that are played by them makes me feel like they are attempting to make me lose control of my thoughts. Why? I think so they can say I am a threat to their safety, as they have done to many other injured workers. I am not allowed to enter their building to pickup cheques, why I don't know? I never threatened them, but they write down what ever they feel at the time. I have found that if I rebuttal any conversation to my claims manager, I am them penalized by slow down of progress of my claim or payments not sent out at scheduled time, but the excuses are constant; waiting on supervisor consent, computer is down on the cheque writer,file is in assistance hands etc; none of this is on paper which is why I no longer communicate via telephone. To many conversations were re-written out of context or not even posted on my file. Managers claiming that their hands are tied yet an assistant is able to accomplish what manager claimed they could not; or stating that they are unable to change another claims managers decision, yet many changes have been made. Mangers refusing professionals or my request's ; 5 years later it is claimed as "offered" though I chose a different path; regardless of what was on file years before; becomes official statement.That pertained to the first academic training, which was I unable to compete in. It was the second academic training, less then a year later, is the reason of my criminal charges.
I attempt to start my own business, only to be told "I know nothing of business", therefore you must go to "Business Administration"! Academically challenged ? need the upgrading in order to compete academically? NO!, pass, fail or dropout we (WCB) are done with you. All that was 5 years ago and I am still dealing with the aftermath. Just now priorities are to catch up with what little I receive, after no financial income for 6 months, which was social assistance. I am again under investigation due to WCB keeping 100% of benefits and informing social assistance that I was in receipt of said benefits: yearly income statement from WCB is less then what we received from assistance monthly. Manipulation of information which caused Zero income for my family, which is under enough hardship due to 2 physically disabled members of the family, one adult , one child.
It is pathetic the way WCB Alberta is allowed to operate, they are like little children allowed to play without parental supervision.
In all this time the WCB Alberta talks with me as if they are doing me a favor instead of their job, if they truly did their job then I would no longer be dependent on them, I would have been properly trained and succeeding into a new life and career.

Manipulation of Information will go on forever more

This Government in Alberta with their forcefulness, uncaring for human rights and a passion for corruption in big business, will not intervene into this matter nor will they even stand-up for the people that they are supposed to represent. As long as they are in power no Albertan will be safe from the illegal acts that are permitted to be inflicted upon the public as long as their agencies and big business friends can make money off the innocent Alberta families that stand-up for themselves against this cruel and inhumane political province.

Since I started investigating my claim file , I have come across many instances where wording had been changed on my claim; from work restrictions to financial information. The financial information has been protected forever by the Appeals Commission by requesting that I hand over all my WCB pay stubs or forfeit any appeals pertaining to over payments in the future, as if they didn't have their own; I can only guess that with all the other situations that the WCB has been part of, that they only want my stubs so they can destroy any evidence I may have against them. The other information that has been manipulated shows how they are working towards a position that enables them to close my claim as soon as they are able to without my ability to start an appeal. This last manipulation lowered my injury from both hips and damaged vertebrae to degenerative disc disease, which is a condition that they have stated in other documents as non-work related, but with the other claims on my back since I originally injured it in 1992 WCB continually forced me back to work even though I was unable to have proper physical mobility.
With all the financial manipulation on my file there has been over $70,000.00 defrauded from my claim, yet they manipulate the files and charge me for the same crime, even then they would not agree on a fixed amount of money I had so called defrauded them of. It has recently come to my attention that they have taken certain over payments from me more then 3 times for one stated over payment which was for approximately $5,000.00 and I have found another that has been removed from me twice now for over $10,000.00, there is probably more but I am tired of rereading my file as it is three banker boxes full.
But manipulation of information is common within this Government and its agencies, whether it is a survey created by themselves or information that they refuse to show publicly; to saying one thing today and tomorrow it is a different reaction depending on who is asking the question or who told who to answer the question in the way that they want it answered (remember the free vote at the Alta legislature)
If I were a dog or a cat, I would have more rights, then I do as an injured worker trying to fight for what is right.

Provincial Government agencies all work together?

In 1999 was when I suffered my last work related injury ( which reoccurred for the forth time), I was forced into fighting for my claim with the Alberta Workers Compensation Board as my Doctor said enough is enough, to many times I had re-injured my lower back and hips, with over a year off each time; and each time to be cut off by WCB for what ever reason they came up with. This last time was a fight that took almost two years of paper and WCB personal shuffle, living those months I will never forget. First my employer Tracer Canada Inc, which is a company out of the U.S; who's representative had stopped my doctor in the hallway leading up to the examination room I was in. My employer's representative (safety officer) requested to the doctor NOT to list this as a lost time injury, regardless of what had happened; my doctor REFUSED. I then returned to the job site with more medical appointments for chiropractor,physiotherapy and my doctor for the next week. My employer then set me on light duty at work, mainly paper work of schedules and material confirmations. The safety officer for the company informed me that he would be taking me to my appointments so the company would know first hand what is happening with my injury,but when it was time for appointments I was informed I had to find my own transportation to the appointment; without my own vehicle as I car pooled to work, I was forced to walk/ hitch hike 5 miles to town then across town to the doctors office; while re-injuring myself along the way. That had happened 3 separate times and my employer making comments of "Alberta WCB's treatment of the injured worker was to lenient, this would never happen in the states; time to get the WCB laws changed so the workers can't be faking it". My last appointment with the doctor after he received the reports from the chiropractor and physiotherapist stated I could no-longer return to my trade as an electrician, so into WCB's hands I went.After two and a half months of WCB's physical rehabilitation, their answer to everything whether you are physically capable or not, which I wasn't. Due to the pain and immobility they inflicted upon me by their routine of therapy,which after three weeks,I had re-structured myself in order to decrease the pain and increase my mobility to enable myself to be there each day so I wasn't penalized or cut off benefits. It had come to the point of a supervisor making a comment to the therapist "why do we pay you when the claimant sets their own program, which in turn caused me more pain an immobility again to the point of not being able to lift myself out of bed or even to sit and get back up again without a type of mechanical assistance; it was then I was cut off and forced to fight in appeals. During my fight in the Appeals process the department of Child Services came into the picture, they had heard I did not have an income, the children were going without food and that I was abusing the children due to the stress of fighting the WCB. They then decided to monitor our household 24/7 claiming it would only be a few days, it turned out to be 54 days of constant watching, my wife and I were forced to sleep with our bedroom door open as we found a listening device beside it. My WCB files had been gone through as was all the information I had been gathering to enable me to proceed with my appeal, which some of that was copied down into our "baby sitters" daily statements.On the 54th day Social Services took our children into their custody due to my second oldest getting two swats on the butt for putting two rather large holes in the new drywall that had been completed a month before, of which the child had been warned that would happen if there was to be any more holes in the wall, which is why it was redone in the first place. Two years of fighting the department of Social Services, only to find out in the court room that they too practice file manipulation as does the WCB, those two swats on the butt with the flat of my hand were written down as multiple excessive punches upon the child's body. What all this had done to our family was devastating enough, but to have to live in a community that heard what the Social Workers claimed made living there very hard, threats continually, literally having to physically defend myself from others that didn't know me or my wife and friends going to odds with each other over this whole mess. As I was attempting to start my own business and everything else going, on we decided to move to the country so I would could show my determination towards and have less overhead for my business; which I was penalized by WCB for not getting their permission to move to that location ; but if I moved to the city they would have paid for my movers and covered first months rent(according to Rob VanDoesburg clam's manager, who was no-longer my claims manager after I moved)

In the mean time I had won my appeal from the WCB, even with the mis-information from my employer and WCB as I was able to show on file that they had conspired together on manipulation of information in order to have my claim denied and another year and a half later we won our court case against the Department of Social Services; although we now had four very messed up children, so messed up that one child had to be put on medications for behavioral problems (not our choice)that were created from being shifted from foster home to foster home.I found that WCB and Social Services both use improper medical and psychological tactics, even in using the worst professionals that are out there, re-writing information, contradicting themselves and posing a holier then thou attitude, all this just to show that worker or claims manger was always right and everyone else is wrong, to the point of withholding information from the professionals that were hired by my wife and I to assist us in correcting what ever wrongs we may have done; which we found out later in court we had not committed any wrong's.
But again WCB and Social Services have teamed up together, it seems that when they want you and your family to live in poverty they will go to any lengths to keep it that way, as I am once again facing charges from trying to keep my family fed, if I didn't then I would be on charges again for not feeding my family

Wife of an injured worker voices out

I am the wife of an injured worker and I am writing on behalf of the "Family", how injury and WCB affects all the family as a unit.The injury is bad enough,but the insult by WCB ( and my husbands union) is far worse.
First, my husband has a lower back injury, although at times he looks and acts perfectly average, it is short lived. Things most people take for granted, cause him great pain, to play catch, helping the kids ride a bike, even change a diaper ( we are past that stage now), all cause irritation to his back. We also have an 8 yr old son, who is handicapped, he is a little person diagnosed with Achondroplasia with complications. As of July 2008, he has had 19 surgeries, most of his needs are are done by myself because my husband cannot physically maneuver for these low needs ( toilet, bath,lifting , carrying,etc) so I am responsible for all of our sons needs, as well as the house hold, yard work,snow shoveling, etc.
As a wife and mother, I am busy, as most of us are, but as a mother to a child with a disability, sometimes regular things take a back seat; between medical appointments, hospitalization and special needs, there is not a lot of time (or energy) for paid employment. But WCB has has forced me out there, so far my employer has been understanding to our son's needs.
As for my husbands union, what a disgrace! To claim their "brother"was not insured 3 weeks prior, or 3 weeks post injury ( 6 week period), but was insured at other times is probably one of the biggest insults of all. Unions are supposed to stand up and defend their "brothers and sisters", not kick them while they are down.
Then there is WCB, those 3 letters should be struck from the alphabet! WCB claims to be there for the injured workers, but I have yet to see this. I have seen mistreatment of the injured in the past, but now I live with it.
My husband and I , along with our children, we all suffer because of the WCB, mentally, emotionally,physically and financially; humiliation, frustration, poverty, anger all caused by WCB. My husband, like many others, is consumed by WCB - it is always there. I dread correspondence from WCB via mail, it is like receiving a letter bomb; you wait for the explosion, because you know something is about to blow!
My husbands latest injury occurred in August 99, and we are farther behind today, RRSP's and RESP's are long gone, I try to work 2 jobs to make ends meet and I pray everyday that WCB will soon be out of our lives. Unfortunatly, WCB prefers that the injured workers would just give up on their claim or drop dead, before they ( WCB ) have to part with any cash.
But we will still keep on kicking.

Fun TImes Compensation High

First a little about me, I started working out of home at 13 , while going to school, as a stock boy and later pump jockey. I left home by 15 with a last academic grade completion of 6. I wrote a type of equivalency test for a welding course at 17, which gave me grade 12 equivalent, tried trade school 2 years later, but was unable to compete academically. About 10 years later I attempted an apprenticeship, succeeded to 4th year, stayed a 4th year for 6 years, with multiple injury claims between , all pertaining to an original injury in 1992. I had low scores but enough to pass, at that time there was a push for tradesman an as long as your experience was there , you basically passed. However I knew I would not be able to pass the Provincial test.
After my last injury WCB wanted to send me to school for electrical engineer, I did pass the entrance exam for pre-technology course, but not knowledged enough in academics for completion. WCB refuse me upgrading as was requested by an educational Institution,so I wanted to start my own business, hopefully with a little assistance from WCB. Although I already had a national retailer to be an exclusive to a portable work bench that I registered as an industrial design.
WCB informed me that I know nothing of Business so therefore I must go to Business Administration. We will send you right back to school then you can make the monies needed to build your business; pass , fail or drop out we are done with you.
Well, knowing that I would not be able to complete again due to class qualifications, even the Institution questioned it. WCB got me in from stating "well he was registered last year", (April/May 2003)the secretary allowed me in. I had started an appeal almost immediately, knowing that it would be a few months before I got any answer, by October I had not heard from appeals adviser pertaining to appeal, left message, I contacted claim supervisor to inform him of my situation, he took my statement down and wrote its as I wished not to got school due to vehicle problems and other reasons on file. This is where the fraud charges from non-attendance to school originated.Turned out Appeals Adviser was no-longer working there and I wasn't informed, appeal papers sat on managers desk for approx 6 months, the one year time limit for appeal had passed .
Earlier that spring, I had already been questioning 1 overpayment on my claim that had been removed 3 times, with your basic runaround by claims manger, and other over payment's that seemed to accumulate over night. I then received my T-5 for the year 2003, floored me, thought I was the highest paid WCB recipient ever, but knew it wasn't true. I then went through my cheques, talked to Revenue Canada, was told to send it back to WCB and have them correct it. That never happened,I requested an audit of my claim; instead about 4 months later I am under fraud investigation, I told them I was happy they are taking me to court so I can show how they manipulated my claim file, everything was good, until court day. My lawyer had assured me that we could beat , then court day I am informed that "we do not" have the necessary information to prove manipulation, what happened there I still do not know. He informed me to plead guilty for defrauding WCB for the months of October 13th 2003 to April 30th 2004 or face jail time. SO I did, as a father with young children and 1 that is handicapped I figured he knew best, boy was I wrong.

The rest is all documented though my blog, I now have more information about file manipulation , pertaining to that time and since. OH yes in 2007, just before court, I received a letter from my claims manager that"I WAS"offered upgrading but chose a different path, apparently it was offered at the time I was scheduled for school, same time THEY refused it. Talk about Manipulating information, no other record on file pertaining to such offer.