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Michigan, Do Not Be Fooled – You Just Lost More Than You Got in Return

No Fault Auto Insurance

On May 30th, the Democratic Governor of Michigan Gretchen Whitmer, signed what was called a bipartisan effort by the Republican controlled legislature and a few of the Democratic members to solve the problems of expensive automotive insurance in Michigan. Due to redlining, other nefarious schemes, and a lack of transparency to how fees were calculated, No Fault Insurance in Detroit was substantially higher than in other areas. It is true the state’s no fault insurance has been a cost burden on many people; but, every attempt made to understand the whys of the costs were stopped by Republicans. The lack of transparency in how the fees for the Personal Injury Protection portion of No Fault insurance were calculated, how fees to doctors and hospitals are set, and how much is in the PIP fund resulted in a constant battle.

With the revision, Republicans have left Michigan constituents with an over priced commercial healthcare insurance plan which does not mirror the care provided by No Fault’s Personal Injury Plan (PIP). Republicans have promised there will be a decrease in premiums. Yes, there probably will be such but it will not be equivalent to want has been lost in benefits and the payout may be reduced by increases in other areas.

Over the last couple of weeks Republican Senate Leader Mike Shirkey and the Republican House Leader Lee Chatfield have led the Republican controlled Senate and House along with a few Dems to pass a bill gutting the present No Fault Insurance in Michigan and stranding constituents. The new bill relies on Commercial Healthcare, Medicare, and Medicaid plans to replace life time Personal Injury Protection and guts the protections of No Fault. It does lessen the cost of Automobile Insurance but it also calls out for a 200 to 240% payment to hospitals and clinics for care. The CBO already studied Commercial Healthcare Insurance cost as compared to Medicare and found Commercial Healthcare pays 89% more than Medicare. The Republicans new plan is a large giveaway to the Healthcare Industry.

This is an abbreviated article of what was written by RN Julia Pulver of Medium Magazine who took the time to review the recent legislation passed by the Michigan Legislature before Memorial Day. RN Julia Pulver is a certified nurse case manager who worked in the field of catastrophic injury for 5 years.

In a planned nontransparent manner reminiscent of what the lame duck legislature did before the reins of the Governorship were handed over to Governor Whitmer, the Republican majority-controlled legislature passed legislation pre-Memorial day, sent it off to Governor Whitmer and asked her to sign it. This to similar to an attempt by a lame duck legislature when the governorship was changing hands earlier this year. No one has had time to review the bill and its potential issues. The Republicans are hoping Whitmer would just sign it, she did, and having felt boxed into a no-win situation.

Such a ploy by Republicans was to also avoid feedback and prevent input from those who already use this valuable portion of No-Fault Insurance covering the results of serious automotive injury. It is being done in such a manner to prevent experts such as RN Julia Pulver from having any input. It is being rushed off to Governor Whitmer’s desk to be signed (and I would urge Governor Whitmer to veto it) before Michigan constituents are aware of what they will lose.

Under the guise of equating Healthcare Insurance Medical benefits to No Fault Personal Injury Protection benefits, the Republican led bipartisan effort are applauding their efforts to take away protections resulting from automotive accidents. Furthermore (redundant alert here), there is no comparison between commercial Healthcare Insurance Medical Benefits and Personal Injury Protection Benefits as the former is only a part of the later.

Also keep in mind, the legislation will allow for medical payments 2 to 2.4 times of what Medicare allows for the same treatment. A Congressional Budget Office analysis had determined the average payout by commercial healthcare insurance is 89% higher than what Medicare pays out. This legislation allows more than twice such at 200 and 240% resulting in a big giveaway to Michigan hospitals, clinics, and doctors.

As researched by RN Julia Pulver, the following is what Michigan constituents will lose now that Governor Whitmer has signed this legislation:

• Coverage for wage loss for three years following an accident, usually 80% of your base wages, paid in real time, while you’re out of work.

• Coverage of guardianship costs for people with brain injuries.

• It pays for a home health aide who can help you with your activities in your own home.

• It pays for replacement services to offset the cost of household needs ( mow your lawn, etc.).

• It pays for modifications to your home and car if you are wheel chair bound or unable to use stairs.

• It pays for an occupational therapist to come to your home, assess what modifications need to be made, and determine the number of care giver hours you require to ensure you are safe in your home and everyone’s care needs are appropriate.

• It pays for an independent nurse case manager to be your patient advocate.

• It pays for long term rehab and community-based care allowing disabled patients to achieve and maintain as much mobility and independence as possible.

• It pays for intensive therapies for children to help physically recover and maintain their cognitive and physical abilities into adulthood.

• It pays for therapists to help injured people re-learn their jobs or find new jobs or skills to continue and lead meaningful lives following injuries.

• It provides transportation for those who can’t drive following an accident, get to their appointments, pick up prescriptions, and stay on track with their recovery. This keeps them out of the ER saving money in the end.

I would also urge you to read RN Julia Pulver’s more detailed article which can be found at the “Medium” to better understand the result of this legislation.

Do Not Be Fooled- You Just Lost More Than You Got.” RN Julia Pulver BSN, CCM; Medium, May 28, 2019

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A Letter to Michigan Governor Rick Snyder

Governor Rick Snyder:

I would ask you to block any legislation from the Michigan Lame Duck Legislature which would overturn the will of the constituents as determined through the November 6th vote or endorsed by petition and thereby blocked from being placed on the ballot due to deliberate legislative action passing it in the Michigan House and Senate pre-November 6th. As you already know proposals passed through elections require a two-thirds legislative vote to overturn them or alter.

It bothers me to have to write to you and urge you to block something which will subvert the will of your constituents in favor of a political party and which should also be very apparent to our State Senators and Representatives. I should not have to pen this email to you as they should know by now which is the more important of the two choices . . . we the constituents who they “should represent” in the Michigan State House/Senate or a gaggle of special interests such as big business, PACs funded by the Koch Brothers etc., or the 1% of the Household Taxpayers making greater than $500,000 annually in income. It was far greater than 51% of those who voted favorably in this last election for the proposals. It was those who also signed petitions to place other proposals on the ballot which were deliberately blocked and passed by legislative action in the State Legislature so they could later be overturned or changed in Lame Duck session. Do not allow the Legislature to:

– Change the intent of the Michigan One Fair Wage initiative by delaying and diminishing an increase in the minimum wage, something which came about as a result of a constituent Initiative.

– Change the intent of the Michigan Time To Care initiative by delaying and decreasing the amount of a worker’s earned sick leave, something which came about as a result of a constituent Initiative.

– Weaken the authority of the Michigan State Attorney General to bring suit or interfere with the Michigan Courts.

– Weaken the authority of the Secretary of State in monitoring elections and associated practices within Michigan.

– Block the new, popularly elected, State of Michigan Governor by diminishing the authority of the position making it less than what it is today under yourself.

I am adding my voice to the tens of thousands in Michigan calling upon you to act responsibility in representing us the constituents of your state and veto any and all changes to the recent proposals passed through a vote and those deliberately passed through legislative action (to be overturned after the election) before the November 6th election and endorsed by petition.

Thank you for your time and consideration.

Regards,

run75441

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Michigan Today

US Auto Sales Fell by 4 Percent in the Third Quarter

“Major automakers said Tuesday that U.S. sales fell 7 percent in September and 4 percent for the June-through-September quarter, compared with the same periods last year.

Weaker numbers for September and the third quarter wiped out a 1.8 percent gain during the first half of the year, and left auto sales on pace with 2017. Some analysts had cautioned that the first-half gains were driven by incentives and low-margin sales to fleet buyers like rental car companies.”

Auto makers are blaming this on the hurricanes. More likely, it is building to an inventory goal without adjustments to meet demands. Inventory costs money.

Michigan’s Gubernatorial Race: Whitmer Focuses on ‘Fundamentals’ Like Roads

“Democrat Gretchen Whitmer said she is focused on fixing Michigan’s ‘fundamentals’ like roads, water systems and schools in her run for governor, contending that not spending enough on core services under Republican leadership has still left residents paying more out of pocket for car repairs and other unexpected expenses.

She said her polling lead over GOP rival Bill Schuette since last month’s primary shows the problem-solving message is resonating, but “not for one second” will she let up less than two months until Election Day. She dismissed as ‘phony political talking points’ Schuette’s warning that she would be the next Jennifer Granholm, a Democrat who was governor during the state’s protracted economic decline.

‘It’s not working. Maybe they’re going to figure that out at some point during this campaign, that people want solutions to problems,’ Whitmer told The Associated Press in an interview.”

Michigan Repubs and the AFP are claiming Whitmer is trying to steal another decade from Michiganders by fixing infrastructure through increased revenues.

US House Candidate Arrested During Wage Protest in Detroit

“A U.S. House candidate was arrested Tuesday in Detroit during a protest for higher pay and the right to form unions.

Democrat Rashida Tlaib and more than a dozen other demonstrators sat at — and banged on — a long table that took up a lane of traffic in Detroit’s Midtown. They were part of a group of several hundred people who marched along the street before gathering outside a McDonalds. Management inside locked the doors as marchers approached.

The protest followed one Tuesday morning in Flint where eight people were injured after being struck by a pickup truck as they marched outside another fast-food restaurant. Flint Police Chief Tim Johnson said he doesn’t believe the crash was intentional and that the driver “seemed pretty shaken up” afterward.

Both protests were organized by Fight for $15, a national movement seeking to increase the minimum wage to $15 an hour for fast food.”

I do not believe we would see Kavanaugh out there protesting for a $15/hour wage. He would be to busy trying to explain away what he meant by “boofed” as a teen.

Major GOP Group Pulls Support for 2 Imperiled Congressmen

“In an ominous sign for the GOP’s bid to hold onto the House, the political group affiliated with Speaker Paul Ryan on Friday dropped its support of two incumbent congressmen, signaling how difficult November could be for the Republican majority.

The Congressional Leadership Fund canceled $3.1 million in ad spending in the districts of Michigan Rep. Mike Bishop and Colorado Rep. Mike Coffman. It’s CLF’s first act of triage ahead of the election and comes at the time of the cycle when major spenders cut their losses in races they think are no longer winnable.
The Congressional Leadership Fund canceled $3.1 million in ad spending in the districts of Michigan Rep. Mike Bishop and Colorado Rep. Mike Coffman. It’s CLF’s first act of triage ahead of the election and comes at the time of the cycle when major spenders cut their losses in races they think are no longer winnable.

Dropping Bishop is perhaps the more significant sign of the party’s prospects. President Donald Trump won the suburban Detroit district by 7 percentage points while narrowly winning Michigan overall. But Republicans in Michigan have struggled this year, and Bishop has been regularly outraised by his challenger Elissa Slotkin, a former CIA agent and defense official.

Jesse Hunt, a spokesman for the National Republican Congressional Committee, said the House GOP campaign arm has not canceled its ad reservations in either Bishop’s or Coffman’s district.”

It is too early to declare a victory. Pour it on . . .

State of Michigan Rank amongst the 50 states?

Click on the picture to make it bigger.

Republicans have a lot to account for in Michigan. They have controlled the legislature and the governorship since 2011. Republicans have controlled the Senate since 1992. Republicans have controlled the House 18 years since 1992. Since 1992, the governorship has been controlled by a Democrat 8 years of 26 years. Yet, everything is former Governor Granholm and Senate leader Whitmer’s fault for infrastructure being in bad shape.

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Michigan

I just posted a comment in the Comments thread to Bill H’s post on Michigan from Tuesday, and on a whim, because these issues hit a nerve for me, I’m reposting my comment as a full post here:

I love this post.  It hits upon a few of my obsessions, but especially these two: The lack of metropolitan-area public transportation (the complete absence of it or the utter inadequacy of it) in so many large metro areas in this country, and the local (rather than state or federal) funding of public education.

The public-transportation issue is just so in-your-face stunning in southeastern Michigan.  Detroit, for idiotic it’s-the-Motor-City reasons, is the only large Rustbelt city that has no rapid-transit system.  The most obvious—and I mean, it’s really, really obvious—way to revive Detroit and turn southeastern Michigan back into a thriving region is a system of fast, reliable, reasonably comfortable regional public transportation.  A sort-of diamond-shaped system running from Detroit to Ann Arbor to Lansing to Flint, through Pontiac, and back to Detroit would work miracles in a lot of people’s lives.  Add on a tail that runs from Detroit south through an area known as Downriver (which is mostly so-called working-class white) to Toledo, and ….

Michigan’s a surprisingly pretty state—lakes, rivers, tributaries galore—and it’s very green (literally).  It has large expanses of beautiful beaches.  It has two major public research universities and good regional state university system that includes a large one in Detroit.  It should not be a state in decline.

As for one of Bill’s larger points—this country’s obsession with complete local control over really important, basic government functions, and states’ rights to violate individuals’ rights at will—this plays a huge role in this country’s loss of economic competitiveness and its loss international esteem.  In no other democracy or advanced economy in the world do parents have to obsess about what school district this or that prospective home is in.  Does anyone think that, say, Canadians or Germans or Australians or the French worry about school districts?  Has anyone in this country stopped to think of why they don’t?

Nice post, Bill.

One thing Bill mentioned that I didn’t discuss in my comment is that Michigan (like several other states) tends to vote Democratic for president but Republican for government and state legislators.  That’s very largely a function of the fact that in modern times most states elect their statewide officeholders—governor, attorney general, etc.—in non-presidential-election years, and the drop-off in the number of Democrats who vote in those elections is dramatic.

So ALEC controls most state governments.

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