The Best Coverage. The Best Benefits. The Best Rates.
Wage loss protection for union transportation employees
Find Your Plan
Our Association provides wage loss protection for member-owners who belong to dozens of unions and work in a wide range of transportation-related jobs.

Providing Financial Security to Our Member-Owners for Generations
What Makes LECMPA Different
Claims
One practice that sets LECMPA apart from other wage loss providers is the individual attention given to every claim. We look at all the circumstances and facts surrounding claims and give our members the benefit of the doubt whenever possible.
Payment Methods
We offer payroll deduction with most railroads and transit employers and other payment methods as a hassle free and automatic way to pay your monthly premium and keep your policy current.
Accidental Death Feature
Some LECMPA policies combine an accidental death feature with our wage loss insurance. Members are covered for accidental death on and off the job.
Loyalty Appreciation Dividend
With an average Loyalty Appreciation payment of $1,400, LECMPA gives back to loyal, eligible members when they retire. Depending on your length of membership and career, you receive a loyalty dividend as our way of saying thank you.
LECMPA + BMWED
Protecting the general welfare of railroad labor and those dependent upon it has been the mission of LECMPA and the Brotherhood of Maintenance of Way Employes and for over a century. These two great standard-bearers joined forces in 2023. BMWED has designated LECMPA the provider of wage loss insurance for its membership.

Have Questions? We are here to help.
Our Members Belong to More Than 30 Labor Unions
















What members have to say about LECMPA
It was a wonderful surprise to receive a check when I notified LECMPA that I had retired. I have been a member for most of my 25 years of RR Services. LECMPA has always been great to work with. From my first call, the response was quick. They helped me relieve the financial pressure during times when I was pulled out of service. LECMPA is a great organization. Well worth the investment. – Kenneth Gonyon
“I was attacked by a person under the influence of a substance and was terminated for nine months. My coverage saved me from being homeless; LECMPA quickly sent me funds to hold me till I was able to return to work — no hassles. It was the smartest decision I’ve ever made, and I’m so grateful. My payments were right on time. I remained a member for 21 years to the date of my retirement.” — Garland H. Howard, Metropolitan St. Louis Area