Canada Harming Disabled Veterans, AGAIN!
An Observation Post Column by Captain (Retired) Matthew Edwards, CD, B. PE, B. Ed.
Posted on Facebook recently highlights how much the System saved by using grey area tactics, bullying and blatant ignorance of its own laws.
Canada’s top military person is called the Chief of Defence Staff (CDS) and he or she is supposed to look after the morale and welfare of the soldiers in Canada’s service. A service which can, due to the unlimited liability principle, lead to death or disablement.
In the Manuge FC 2012 case the CDS was stated to be the “de facto” insurer for Service Income Support Insurance Plan (SISIP) policy 901102. Yet the actual contract, or policy, states that the CDS is the “Policyowner” which is another way of saying “insured.” You cannot be both!
However, the main thrust of this Column is the fact that the CDS is acting through Manulife to order formerly healthy soldiers that were once under his’ command to obtain Canada Pension Plan Disability (CPPD) for the General’s benefit, not the benefit of his’ former soldier! How exactly does this play out?
First the CDS orders the soldier into harms way.
Harm is suffered by the healthy soldier and he or she becomes a disabled Veteran who is usually medically released.
Manulife was hired to administer the policy but the CDS and DND have ownership of the policy. It was transferred from Treasury Board Secretariat (TBS) to DND on 01APR19. Manulife orders the disabled Veteran, as per the normal but completely illegal policy of Canadian Long Term Disability (LTD) insurers, to obtain CPPD.
Then a legal technicality, and ignorance of the law is said to be no excuse, rises it’s head. Canada imposed a Minimum Qualification Period (MQP) on CPPD in 1998 to help stem the tide of CPPD claims by doubling the vesting period from two years to four. In order to legally get CPPD a contributor must possess four out of six years with valid CPP contributions. No one is above the law so that is a legal threshold.
Laws don’t interfere with Manulife and the CDS seeking a higher profit by offloading their cost to the CPP! So MCpl (Retired) Bloggins enters the fray. He served from 1985-2015, thirty years and was in the 8th Canadian Hussars (8CH). He medically released, was fired for becoming disabled at age 50 and is now 55. In 5 short years he can apply for CPP Retirement (CPPR) and get a reduced CPP but the reduction is offset by the fact there is no clawback of CPP from the Canadian Forces Superannuation Act (CFSA) pension that he gets! So, if he takes it early,he would get the reduced CPPR and full CFSA.
However, if he applies illegally as Manulife is trying to force him to do and he somehow obtains this liability disguised as a “benefit” he would be very harshly treated:
First, he loses about an estimated $120,000 or more based on the lack of bridging between age 60-65. That is a very significant sum of money, at retirement;
Secondly, if he is approved for CPPD which is by no means certain due to the 37.5% approval rate, he will get 15 months retroactive CPPD which will trigger a bill for an estimated $20,000 from Manulife, as that is why they are forcing him to apply. They will reduce his’ LTD by the monthly CPPD payment, including the flat rate and that is despicable. Assuming he refused to sign the irrevocable consent form, which is far from an assumption, he would also be billed for the monthly payment to retire the alleged debt, further reducing his’ insurance proceeds;
Then the CFSA would send him a bill for an estimated $20,000 because the CPPD retroactive would create an arrears on their system because they will say he got too much money! They will reduce his’ CFSA current payment by the bridging amount and then further reduce his’ property by saying that he has to pay himself back! After all, pensions are the property of the pensioner;
Not wanting to be left out, Veterans Affairs Canada (VAC) would issue an estimated $20,000 bill and reduce his’ current Income Replacement Benefit (IRB) the CPPD (in spite of the fact DND’s SISIP and CFSA already accounted for the CPPD) for the current month and the arrears!
To recap:
Healthy soldier goes to war and returns a disabled Veteran. Then the nation that sent him to war decides to screw him into the ground with fraudulent accounting so that he ends up worse off than he was if he did not apply for CPPD at all. Making matters worse, they ignore the law they created, making a mockery of the sacrifice of MCpl (Retired) Bloggins who would have given his’ life for Canada.
A shit show. This abuse must stop and NOW!

but at least the same as others.

We have to have compulsory 3rd party insurance to access our enhanced benefits to the tune of 150.00 a month.  Our insurance company makes us have 3rd party insurance, does yours?
If you’re injured on the job WSIB/WCB and your insurance takes over, you’re not penalized for savings and your monthly cheques are tax-free, except for Veterans and they only pay up to 75% minus any income.

No one asking for special treatment, they’re asking to be treated fairly like the rest of the population. Nothing less or more.


Logging off Social Media.

“A blockquote highlights important information, which may or may not be an actual quote. It uses distinct styling to set it apart from other content on the page.”

In Canada, the Government controls Social Media.



We used to live in a free society as long as you worked within the law, paid taxes, and weren’t slanderous no one bothered you.   until…..

Enter the Liberal Party of Canada winning a majority and promising open and fair government, which most Canadians wanted as well.

The first thing that happened was the taming of Fake news on Facebook, which only targeted opposing views.

Then they all started using twitter with two accounts, one for the Office they hold and a personal account for opinions.  NO ONE IN A POSITION OF AUTHORITY SHOULD BE ABLE TO DO BOTH. So things that are party positive always tweet out on Office, anything that could cause question is simply posted under personal accounts.  But here’s the thing,  Using Constitutional exemptions from criminal wrongdoings they are protected as if it was an Office account and can not be held responsible for their actions.  You do it on your time, say something like Calling down a homosexual and see if you are employed the next day. No matter which accounts you use. Seamus Regan harrassed the PC Leader publically through his personal account and faced no consequences of those actions simply because he was an MP.

The Government also has an open-door policy on official accounts but if you question anything you get blocked, which is against the rules and my MP Mark Garretson has mainly blocked Veterans. 

Don’t believe how much control they have instilled, VPN your computer and try to access the CBC News, if your VPN is using ipvanish software or similar, you will not see the news but will be able to use any other government website.  Hmmm…..

how you are seen

The cartoon on the right is pretty accurate but doesn’t explain why we don’t give a shit.

  • Our government treats us like liars, thieves, beggars, and suspect malingers.
  • The General Public think we are nothing more than Welfare cases
  • Our Medical Practitioners view us nothing but a Cash Cow and treatments go on forever and seldomly resolve the problem.
  • Insurance Companies fight tooth and nail in paying for standard treatments and paperwork you into a tizzy for anything beyond that.  You’re required to have a third party insurer to help offset those costs to them as well.
  • You have no representation to assist you through the nightmare of VAC and zero tolerance for any emotional outbreak and this applies only to you the Vet.
  • Your MP cares even less about you, and only the lucky ones get even a call returned. (Mine sits on 2 DND related committees for extra cash and hates Vets)
  • Your medical needs for devices are often cheaped out or only provided once in several years. 3 Years for a Vaper which anyone is on a high amount may last a year.
  • Lawyers and Judges make illegal judgments in divorces, well cause you have no rights or representation that counts.
  • And countless other things …



BlueCross has taken the added responsibility to correct your submissions and providers’ submissions.

  • A simple reversal of dates month/day vs day/month will bounce your script like it was made out of a native rubber ball.
  • Using your common name vice given will bounce a script like flubber.
  • If your signature looks like a scribble it will be ignored and sent back
  • Basically anything that is not by the books will bounce, Biggest issue is where are the guidelines?   You are at the mercy of whoever gets the request.

This is only one way, Any mistakes coming out of BlueCross or VAC are just user mistakes and you can not really expect everyone to be perfect, Do You? 


Only your actions have a consequence 

Swearing even in the heat of an argument, even if your right and even if it’s inbred in your personality. In recent years I have received security infractions from VAC and dismissed from a Dental Practice. Who screwed up my claims so bad, I incurred expenses and fired when questioning them.
Once in a span of 2 hours, I was sent back and forth 6 times to Dr’s and Practice simply because of grammar, spelling mistakes on a script.  Out of Frustration I threw my Benefits card in a VAC Office, this credit card size card, sailed about 10 feet, through a glass plate window’s opening and landed at the feet between 2 VAC workers, I received no in-person services for over 2 years because of that.
In EVERY SINGLE CASE, no one called, emailed, or questioned me on why or how to resolve the issues,  just punishment until I correct my behavior.


rock bottom

As an Injured Veteran you never really hit Rock Bottom, you just pause on the shelves on the way down,

  • Injury and/or realization – This is where your buddies start disappearing.
  • Released and in care of VAC – This is where you feel like a burden, useless, and become a beggar for help
  • Legion – no help and refuses to move forward past Korea.
  • Support Groups – This is where after helping people and it takes it’s toll your remaining buddies disappear.
  • Veterans almost near the bottom and has established a hierarchy, ‘GHAN outside the wire, ‘Ghan in the wire, ‘Ghan support outside the country, then Somalia Guys, The Gulf War Guys, The NATO deployment Guys, The Airforce, The Army, The Navy, The Peacekeeper, The Cold War,  and the Training System Vet and now CIC Veterans.
  • VAC 
  • BlueCross
  • People you helped at this stage you leave social settings, groups, and just generally don’t give a fuck about anyone anymore.  This is where you start regretting helping people in the past and there still more shelves to hit still.

You may not die from your injuries, but it is a death sentence for your life as you once knew it, It’s gone and your new life is just as hard.



Just like the Queen of Soul said R E S P E C T, well as veterans we all know the adage respect is to be earned not given. As Veterans, we earned that respect but the government refuses to do so, and in recent sittings voted no on bills presented for fairness, etc. NO NO NO NO don’t believe me read away

Whatever you know the pc way to say fuck you and that horse as well, Simply by saying no in a recorded sitting on parliament just shows you that how scared the government of being accountable for the treatment of us.

Cause I promised some extras here’s one Veterans in Canada are the only section of the population that has no rights or representation – Zero.

The legion? No, it’s a dying place and after supporting the New Charter, reducing our benefits by billions

Your MP?  not a chance mine won’t even return an email and has me and other Veterans blocked on social media, the man sits on two SCONDA’s which are paid extra to attend and has a huge military community in the region as well

The 866 number?  Not a chance if your unhappy your concerns will be looked at.

The Secure Messaging system?  It doesn’t get past them either.

No numbers for VAC are publically available cause well, that caller thing interrupts public servantry

The only person that you can bitch to is the Minister himself and he’s sitting pretty anyway just counting the days till retirement and VAC HQ is in his province.

That’s is how we are seen. Sadly but truthfully and with our leaders these days the slogan should say “you may experience things differently than others”  This from the Government that has disrupted the entire country’s political shape just to show equality for all but us.

Veterans privilege

What is it?
A phrase coined by the Practice Manager at Gilles Dentistry 29 Niagara Park Canex Mall Kingston, ON K7K 7B4 who thinks that injury benefits are privileged. Hence the name

I took the photo of this Iranian Tank just inside of Iraq on the way back from a body exchange.  In the Canadian news, they were all saying no evidence of chemical warfare. The first few exchanges were just human remains on stretcher some still wearing masks.


A no holds barred realistic look at the way Canada treats it’s Veterans.


Countless people have repeatedly questioned me about statements many in disbelief, So I’ve recorded lots and have started presenting it.


By telling my story and others maybe someone else will not be subjected to ever-changing rules and as well as Tibbits of what goes on constantly for disabled Veterans in today’s Canada.