AIG Life Of Canada & Great West Life Corruption articles
 
Hicks/AIG Main
Introduction
Margaret's Story
Chronology of Events
Bad Faith
Insurance Practices
AIG Fraudulent Acts
Gret West Life close file illegally
Great West Life Reinstate policy after threat of Criminal Investigation
Coping with Major Depression

Margaret Hicks - AIG Life of Canada story
BY RON HICKS:  MARGARET'S HUSBAND ORIGNALLY PUBLISHED - APRIL 2003

 
Chronology Of Events -  Page One

About Margaret Hicks' employment with AIG and events that led to her termination and claims of bad faith practices by AIG Life Insurance of Canada.


(1) General information

(A) Commenced employment with AIG Life Insurance of Canada on October 30, 2000.

(B) Prior to October 30th, 2000 Margaret was employed by Laurier Life for over 9 years. Her supervisor at AIG, was her Supervisor at Laurier Life.

(C) June, 2001 Lichen Planus - symptoms began to appear at the same time Margaret was working an extensive amount of overtime. Her supervisor and human resources were notified of her condition and the medication that was involved.


(2) June, 2001:  First performance appraisal

(A) Margaret was pleased with the comments and results.

(B) Letter from AIG on June 27, 2002 AIG makes reference to her performance as being satisfactory.
Reference Item: Letter June 27, 2002


(3) July 1, 2001:  Letters of appreciation to Margaret

Margaret has in her possession several memos thanking her for her efforts.

(4) February, 2002: (exact date unknown) Staff meeting

(A) It was relayed to Margaret and other members of her department by Dolly, that overtime would be discontinued because of 9-11.

(B) Dolly also stated "that all employees would have to stay on their own time to get their daily work completed. "Margaret did go in early and worked some of her lunch hour.

(C) Margaret would not stay after hours, because she was too tired and exhausted. The medication she was taking to control the "Lichen Planus." had severe side effects. Her supervisors were aware of her condition but showed no compassion towards her and bullied her because she was ill and would not stay late.


(5) June 7, 2002: E-mail from Margaret's supervisor thanking her for her for a great job.

Margaret was rewarded for her efforts with a an extra 1/2 day off with pay.

Reference item: Copy of e-mail

(6) June 21, 2002:  Impromptu meeting threatening to fire Margaret
(From Margaret's notes)

Dolly shocked Margaret so much by her malicious, nasty manner, these items may be out of sequence
.


(A) Dolly stated "Serena wanted to fire her," the prior week but gave no reason.

(B) I was told that one of the two other employees that were let go earlier this year are still unemployed.

(C) It was implied that other members of New Business had signed documents with Human Resources to complete their work on their own time, if it is not completed within the normal workday.

(D) She told me I put work off to be done the next day because I will not work late on my own time to get it done.

(E) Dolly informed me that she was told by higher management that the mail-room should have a supervisor, and she mentioned that the function could be given to an employee that has only been with the Company for a short-time. In the same sentence she told me that the mail-room was over staffed.

(F) I was told that I show no effort to get my work completed within the normal work day regardless of volume.

(G) She told me that it is equal work for equal pay, my health condition did not matter.

(H) Dolly told Margaret, she would give her the worst performance appraisal in company history and that is all she would need to fire her.


(7) June 24, 2002 Letter to Mr. McCarthy (President of AIG Life of Canada,) hoping he would do something about the bullying tactics of his supervisors.

Margaret knew how her Supervisor would react (other employees had warned her) after the meeting of June 21, 2002. She did not want to quit her job or be fired. The letter was an attempt to save her job. Based on facts and rumors about how other employees were treated, she thought for sure, Dolly would set her up to be fired.

All AIG had to do after Margaret gave them the letter, was honour her rights accorded by law.
Reference Item; Copy of letter

(8) June 25, 2002: E-mail changing the date and conditions of Margaret's performance appraisal.

These e-mails, reaffirmed Margaret's fear that she would be set-up and fired.

Reference Items; Copy of e-mail


(9) June 27, 2002Letter from AIG to Margaret - Employment Warning Letter

With respect to employment law in Ontario, I understand, the warning letter and an opportunity to improve are usually required in performance-related cases.  The warning ensures that the employer has communicated to the employee the required standards of performance and the consequences of failing to meet those standards.   Courts will support dismissal of an employee for just cause where the employer has provided an adequate warning and a reasonable opportunity for the employee to improve performance but, that is not the case with Margaret.  In fact, we can prove she was set-up.  The decision to threaten dismissal actions against Margaret and the implementation of that decision have had, a devastating effect on her physically and mentally.

Items in the letter are condonable, malevolent and fraudulent in their nature.

(A) Paragraph one acknowledges receipt of Margaret's letter (dated 24th, 2002)

No mention is made that they would honour rights accorded her by law.

(B) The second & fourth paragraphs of letter dated June 27th, 2002 are malicious and offensive in assuming Margaret is responsible for neglect or refusal to fulfill duties of some contractual obligation. On Friday June 7th, 2002 Ms. Dolly Harrial forwarded an e-mail to Margaret that praises Margaret for her contribution to a great job of building a highly reputable department and a great Team and other confidence building remarks.

(C) Paragraph 3 of letter dated June 27th, 2002 implies the conscious doing of a wrong by Margaret. The paragraph contemplates a state of affirmatively operating with a furtive design or ill mind when Margaret applied for the position.   It is implying that Margaret lied on her employment application. When in fact, Dolly Harrilal telephoned Margaret while she was employed at Laurier Life Insurance (for over 9 years) a Company that is a competitor of AIG and stated she wanted to hire Margaret. Margaret accepted the employment under the assurances from Ms. Harrilal that she would have job security.  Since Ms. Harrilal was herself a former employee of Laurier Life and Margaret's supervisor, while she was employed by Laurier Life, Margaret trusted her and accepted employment.

(D) Paragraph 5 of letter dated June 27th, 2002 suggests a conspiracy involving constructive fraud designed to mislead or deceive others about Margaret's work ethics and ability to perform her duties so they can terminate her employment.

This paragraph along with the e-mail dated Tuesday June 25th, 2002, reinforces Margaret's fear that they would provide her with the worst performance appraisal in company history and that is all they would need to fire her. (See meeting June 22, 2002)

(E) Paragraph 6 of letter dated June 27th, 2002 is a conscious doing of a wrong because of the dishonest purpose to imply incompetence, regarding Margaret's ability to perform her duties. To demand that Margaret sign this letter is discriminatory in nature. Margaret is not the only employee in the mailroom. Therefore it is not her responsibility to ensure that all employees in the mail-room perform their duties.

Reference Items;
Letter

 

(10) June 28, 2002: Letter to AIG from Margaret in reply to their letter of June 27, 2002

Margaret needed and wanted her job. She thought the letter would be her last hope to prevent her from being set-up and fired.

Reference Item; Letter


(11) July 5, 2002: Letter to Margaret from Marjory C. Mackay Human Resources Manager, AIG Canada

The letter threatens disciplinary action, up to and including the termination of   Margaret's employment.

Reference Item; Letter

(12) July 8, 2002: Appointment with family physician - for anxiety and high blood pressure

I attended this meeting with Margaret & her doctor at Margaret's request. The Doctor gave Margaret a prescription for "Ativan 0.5mg sublingual. This medication was used to reduce blood pressure and anxiety. He also gave her a letter that was forwarded to AIG that Margaret would not be returning to work until at least August 1st, 2002.

(13) July 8, 2002: Letter to AIG (Margaret's supervisor - Ms. Dolly Harrilal)

From Margaret's doctor about her not being able to work till at least August 1, 2002. E-mail also sent and acknowledged.

(14) July 15, 2002: Appointment with dermatologist - Lichen Planus severe - medication not working

I attended the meeting with Margaret and her Dermatologist at Margaret's request. He explained that he had done everything physically possible to help Margaret and in about 94% of the cases his treatments and medications are successful. However, in Margaret's case he could not do any more for her and suggested that it is possible that her condition could be caused by an emotional occurrence and a psychiatrist may be able to help with therapy and medication.

(15) July 16, 2002: Forms for short-term disability benefits forwarded to TAS by registered mail

All the forms received from Tower Administrative Company were filled out by Margaret's doctor, with an unknown date of return for work and mailed.

(16) July 30, 2002: Letter from TAS advising Margaret's file was forwarded to Canada Life

Based on this letter, we assumed that Canada Life held the short-term policy and not AIG.

(17) July 31, 2002: E-mail to Dolly Harrilal with a copy to Serena informing AIG because of the way Margaret was being treated I was posting the story on the website.

This e-mail informed AIG because of the "hardball tactics" being used against Margaret I was fighting back by posting the articles on my website as I said I would in my letter to them of June 28, 2002.

That day Scoreboard Canada's web section devoted to Margaret's story received 108 hits directly from AIG.

(18) August 02, 2002: Received letters from Blaney McMurtry (AIG's lawyers) over articles posted by Ron Hicks on the website and threatening to take action against Scoreboard Canada Inc.  They C.C. Margaret.

(A) The Letter threatens legal action against myself for posting articles on Scoreboard and threatening that if Margaret condoned this activity she could possibly be dismissed for cause.

(B) They also sent a letter to ID Internet Direct Ltd, threatening legal action against them, for hosting Scoreboard Canada's website, if they did not take Scoreboard down.

(C) They state "We further note that if your spouse, Margaret Hicks, is involved or in any way condoning this activity, then she is in breach of her employment relationship.  If this action continues, she will jeopardise her employment and potentially be dismissed for cause."
 

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