MPI starts a daycare business

now here is the kicker. They dont have the power to start a daycare business under the Manitoba Public Insurance Corporations Act


Objects and powers

6(1) It is the function of the corporation and it has the power and capacity

(a) subject to the approval of the Lieutenant
Governor in Council to engage in and carry on the activity of automobile
insurance in all its classes;

(b) subject to the approval of the Lieutenant
Governor in Council to operate and administer such plans of universal
compulsory automobile insurance as may be set out in this Act and
regulations and may provide plans of extension insurance upon such terms
and conditions as may be prescribed by the regulations;

(c) subject to the approval of the Lieutenant
Governor in Council to engage in and carry on, both within and without
the province, the business of insurance and reinsurance in all its
classes and without limiting the generality of the foregoing, to engage
in and carry on the business of insurance and reinsurance in all its
branches in the following classes of insurance as such classes are
defined in The Insurance Act:

(i) Accident insurance;

(ii) Aircraft insurance;

(iii) Boiler and machinery insurance;

(iv) Fire insurance;

(v) Guarantee insurance;

(vi) Inland transportation insurance;

(vii) Live stock insurance;

(viii) Marine insurance;

(ix) Plate glass insurance;

(x) Property damage insurance;

(xi) Public liability insurance;

(xii) Theft insurance;

(xiii) Weather insurance;

(c.1) to administer The Drivers and Vehicles Act, and to perform the duties and exercise the powers described in subsection 2(2) of that Act;

(d) to engage in and carry on the business of

(i) repairing any property insured by the corporation; and

(ii) salvaging and disposing of by public or
private sale any property insured and acquired under a contract by which
the corporation may be liable as an insurer, or to make agreements with
other persons for those purposes;

(e) to acquire by purchase, lease, licence, or
otherwise, and hold, develop, construct, use, maintain, repair, operate,
and improve, as owner or tenant or otherwise, for its own use and
benefit, real property

(i) necessary or required for the conduct of its business and to allow it to carry out its role as administrator under The Drivers and Vehicles Act or perform the duties and exercise the powers described in subsection 2(2) of that Act;

(ii) conveyed, mortgaged, or hypothecated to it by way of security; or

(iii) conveyed to it in satisfaction in whole or in part in respect of debts and judgments;

and to sell, lease, or otherwise dispose of the
whole or any part of such real property, in each case upon such terms
and conditions as the board deems proper;

(f) to acquire by purchase the business and
property or any portion thereof of any other insurer, agent, or
adjuster, or to enter into agreements to carry on jointly any class of
insurance with another insurer whether within or without the province;
and The Insurance Act does not apply to such agreements.

Additional powers

6(2) The
corporation has the power and capacity to do all acts and things
necessary or required for the purpose of carrying out its functions and
powers and, without limiting the generality of the foregoing, the
corporation may

(a) conduct surveys and research programs and
obtain statistics for its purposes and for the purpose of establishing
and administering any insurance plan;

(b) enter into agreements with, or retain agents or
adjusters for the purpose of soliciting and receiving applications for
insurance, for collecting premiums, adjusting claims, and doing of such
other things on its behalf as the corporation considers necessary;

(c) prescribe forms of applications, contracts, and forms of policy and such other forms as the corporation considers necessary;

(d) prescribe the information and detail required to be set out on any form;

(e) evaluate damages and losses and pay claims under a contract by which the corporation may be liable as an insurer;

(f) reinsure the contract or any portion thereof of
any other insurer, and reinsure its risk under any plan or a contract
or any portion thereof with any other insurer, whether or not the other
insurer is within or without the province, or is, or is not, licensed
under The Insurance Act;

(g) do all things necessary for the purpose of
settling, adjusting, investigating, defending and otherwise dealing
with, in conformity with this Act and The Insurance Act insofar
as is applicable, and the regulations made under both Acts, claims made
in respect of contracts by which the corporation may be liable as
insurer or in respect of any plan established under section 6;

(h) carry out either alone or jointly with other
board, commission, corporation, department or agency of government, or
any private person, agency, or association, introduce, establish,
supervise, finance and promote research or educational programs relating
to health, rehabilitation, safety and the reduction of risk in respect
of any branch or class of insurance in which the corporation is engaged;

(i) promote or carry out programs of research into
the causes of accidents and research into the more equitable
distribution of losses resulting from highway traffic accidents;

(j) establish and maintain one or more repair shops
to investigate, study, and apply techniques used or to be used in the
repair of motor vehicles and to analyze the cost of repairs;

(k) negotiate and bargain with persons engaged in
the business of motor vehicle and trailer repairs with a view to
establishing fair and reasonable prices for motor vehicle and trailer
repairs in relation to which payments may be made under this Act;

(l) make such by-laws and pass such resolutions,
not contrary to the law or this Act, as it considers necessary or
advisable for the conduct of the affairs of the corporation, and,
without limiting the generality of the foregoing, make by-laws and pass
resolutions with respect to the time and place of calling and holding
meetings of the corporation, the procedure to be followed at the
meetings, and generally with respect to the conduct in all other
particulars of the affairs of the corporation, and may repeal, amend, or
re-enact them.

Now that the pigs own the farm, again, MPIC will remain out of control with their trough.

oh I am sure now that its been pointed out that they will either

a) ignore it outright
b) simply change the act

CTV News mentioned the daycare was being funded out of "long-haul trucker" premiums. They smugly mentioned that as though they thought they were doing the remaining premium payers a favour.

When these guys don't adhere to Transport Canada's recommendations, nor those of auto manufacturers, safety councils, etc., when repairing cars, why would anyone think they would adhere to some silly law?

grumpy old man wrote:CTV News mentioned the daycare was being funded out of "long-haul trucker" premiums. They smugly mentioned that as though they thought they were doing the remaining premium payers a favour.

yeah but it does not matter what fund it comes out of. They dont have the legal mandate. Sure.. they COULD start a daycare just for their employees conceivably and add it as a FREE job perk. But even then since its not part of the current contract it would be suspect. But they simply dont have the legal mandate to

A) expend funds to start a new line of non insurance business
B) accept income from that new line of business.

The trouble is MPI is run by an idiot.

The government needs to redefine their mandate. If it is to be an insurance company then be an insurance company.

However they have more government type responsibilities as well, such as driver license management? WTF?

Now a daycare company?

I just wish any MLA knew the various ACTs that govern our province and was able to act on them. I bet most of them do not even know there is something called the "Manitoba Public Insurance Corporations Act"

and just assume that MPI can do whatever the premier tells it to do.

Heh...I think they do what they want to do Dean.

They chintz away at what they shouldn't so that they can splurge on themselves.

They've been doing that for 12 years, and I suspect they will be doing the same for four more years. (or a class action suit; whichever comes first.)

Oh I know.. but thats the problem, rules are set in place to prevent this stuff and the rules are simply ignored. MLAs regardless of which party they sit on should be standing up for democracy and the law and stopping this crap.

oh right.. never mind. 55 of the people who just got elected are simply paper candidates that do as they are told

Deank wrote:Sure.. they COULD start a daycare just for their employees conceivably and add it as a FREE job perk. .

Wouldn't that be classified as a taxable benefit by Revenue Canada?

Free Daycare? It sure as hell is a taxable benefit imo.

I'm curious about this, and specifically that they have revenue targeted to cover these costs.

If they are starting a day care for employees, shouldn't that come out of general expenditures? Why is one group of ratepayers being targeted to pay for this?

Also, why should this be open to general public? I don't really have much of an issue if a company wants to provide daycare as a benefit. However, if this is being opened to the general public and the costs of providing the service to the general public are subsidized by long haul insurance rates ( hell, any rates), that's a huge issue. Public users should be paying full rate, and should probably be paying an amount that includes some sort of profit to offset some of the costs to provide to their own employees.

This stinks like sh1t. Seems too much like the BS thy tried to pull when the Gov't was going to have them donate to Universities ( and donate to CMHR)

Outsider wrote:

Deank wrote:Sure.. they COULD start a daycare just for their employees conceivably and add it as a FREE job perk. .

Wouldn't that be classified as a taxable benefit by Revenue Canada?

yup..but still legal... but not covered under the current collective bargaining so most likely not allowed lest other gvment employees start wanting it.

Heh.

That's the beauty of collective agreements, huh?

"Oh, we were going to give you daycare, but the agreement says no, so too bad"

"What, oh, you're okay with us changing the CA, as long as it's a benefit to you"

Thats also the beauty of being a government imposed monopoly, you can just raise your rates to provide your employees with all the best perks, sort of like taxes.

And MPI is allowed to get away with this how?

Unfuckingbelievable.

grumpy old man wrote:CTV News mentioned the daycare was being funded out of "long-haul trucker" premiums. They smugly mentioned that as though they thought they were doing the remaining premium payers a favour.

Glad I'm not a long haul trucker, but there is no way this is fair! People are paying for insurance, not day care. This means people are being way over-charged for thier insurance from a monopoly player!


Btw I am a regular driver and I got another (small) rebate cheque from MPI this week. If they still have this much extra cash, this feels fishy, no matter whose premiums are being over-charged!

Yup. Got an $8 cheque yesterday.

I wondered why I got a chq this week from MPIC. For $2. Probably cost $5 to send it - with postage and admin. And they won't show their books to the Public? Just another issue that the PC's left off the table while they pursued defeat.

I've maintained all along that MPI should have just issued credits to policy holders rather than spend the hundreds of thousands they did issuing rebate cheques... Here they go again pissing away money.

Who does the thinking for that organization?

Why would this daycare lose money? They will be sold out and therefore be making money!

If we aren't happy, then there is an election coming up soon, right! lol