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What are the Benefits of LECMPA Wage Loss Protection?

Members can rest easy knowing that their family is protected from wage loss due to discipline. Many reasons make LECMPA your best value. Did you know that LECMPA offers the following additional benefits?
  • Incidents are covered anywhere — on or off the clock.
  • A binding contract protects your covered discipline days and daily rate.
  • No money down to start wage loss protection policy.
  • Members can inactivate policy at no cost if off work due to medical/injury, furlough, military leave, or taking full-time union or exempt position. There is no loss of eligibility for the Loyalty Appreciation Dividend.
  • Convenient payroll deduction with many transit employers as a hassle-free and automatic way to pay your monthly premium and keep your policy current.
  • Member support and service provided by partner BBS Benefit Solutions at (866) 902-2561.
  • Retirees benefit from our Loyalty Appreciation Dividend.
Bus Driver

LECMPA was established in 1910 as a cooperative assessment insurer. Members now include workers in all union transportation crafts and trades who are concerned about losing income due to discipline.

Membership Eligibility Qualifications 

Over 30,000 members strong

Our 30,000+ LECMPA members come from many sectors of the transportation industry, and various crafts and trades within those industries. Eligibility for membership involves meeting the following criteria:

  • A union transportation worker in good standing and subject to discipline.
  • Program eligibility determined by your previous incidents and discipline history.
  • You must not be on any type of probation.


If you have more questions about eligibility for LECMPA coverage, read our eligibility FAQs. Out on furlough and want to inactivate your policy while still maintaining eligibility for our Loyalty Appreciation Dividend? Read our inactivating your policy FAQs.

Determine your specific coverage option:

Plans & Rates ›››

What is Covered?

Different transportation unions, crafts and trades confront their own specific causes for discipline. LECMPA has coverage that is right for you. Listed below are example causes for each craft in which claims have been paid.

  • Accidents
  • Traffic violations
  • Collision resulting in property damage
  • Damaging a city bus
  • Customer complaints
  • Failure to report mechanical issues
  • Failure to report all traffic tickets and accidents (on and off job)
  • Off route or non-completion of trip
  • Fare violation
  • Missed stops
  • Improper use of equipment
  • Review allegations of dishonesty
BBS Benefit Solutions: Transit Employee Plans ›››
Bus Driver

Broad Claim Payouts

LECMPA has your back 24/7, on or off the clock. Our discipline incident payments include: 

  • Covered incidents anywhere — on or off the clock 
  • Loyalty Program required membership — 5 years 
  • Tax-free Loyalty Appreciation dividend increases at a rate of $60 to $120 each year, depending on daily benefit 
  • Binding contract protects your covered discipline days 
  • Claim payments made weekly 
  • Covered claims paid up to a policy limit whether you go to a disciplinary hearing or sign a waiver 
Call BBS Benefit Solutions
Frequently Asked Questions
File a Claim

LECMPA can help! Let us identify a policy that is right for you and your family.

Download Brochure ›››

Claims Payments

Covered claims paid up to policy limit whether you go to investigation or sign a waiver

Claim payments made weekly

Millions paid in claims each year

Repayment of benefits is not required if you are awarded payment of back wages from your employer or an award of arbitration
Bus in Snow Flurries

How are Claims Handled?

One practice that sets LECMPA apart from other wage loss providers is the individual attention given to each and every claim. We look at all of the circumstances and facts surrounding claims and give the benefit of the doubt to our members whenever possible.

LECMPA understands that people need to get back to work promptly and that agreeing to discipline for a reduced charge (signing a waiver) gets a worker back on the job quickly. However, we do not assume a waiver means the member admits to any wrong-doing. In fact, LECMPA pays covered losses whether you sign a waiver or go to investigation.

Most claims made by LECMPA members are paid promptly and without incident. However, you have two opportunities to appeal a denied claim. You may ask the Appeal Board to review your claim. The Board is comprised of railroad and transportation labor professionals with decades of experience adjusting disciplinary cases. Our internal review usually takes about 60 days. You also have the right to request a review by the Michigan Department of Insurance and Financial Services.

Need a Claim Form?

When you need to file a claim, call the Home Office: (800) 514-0010 to request claim forms and begin the claim process. Provide all the requested information to ensure your claim can be processed efficiently. LECMPA will review your claim promptly and affirm or deny coverage of claims. Claims are reviewed in the order in which they are received. We complete our review of most claims within a week of receipt of all necessary documentation.

Need to file a claim? Give our Home Office a call: (800) 514-0010

Loyalty Appreciation Dividend

LECMPA has paid a dividend to members in 47 of the past 76 years, with close to $20 million returned just since 1995.

Did you know that LECMPA awards your membership when you retire?

LECMPA’s Loyalty Appreciation Dividend awards long-term membership. Members who have been with the Association five or more years at retirement receive a generous, tax-free payment.

The amount of your loyalty award is based on your years of membership and daily coverage amount. You receive a loyalty award even if you’ve had a claim! Loyalty award is calculated at the time you retire.

Our Loyalty Appreciation Dividend is just one more way we strive to serve our members and their families. The tax-free award is earned for each year premiums are received and paid out to the loyal member upon retirement.

With an average Loyalty Appreciation Dividend 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 check as our way of saying thank you.

LECMPA awards our membership when they retire

After just 5 years as a LECMPA member you qualify for our Loyalty Appreciation Dividend.

Download Brochure ›››

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Gil Clark
Marketing Manager – Trucking/Logistics/UPS

I was employed by UPS for 38 years, serving as a package car driver and feeder truck driver from St. Louis to Earth City, MO. I served as a union shop steward for 25 years. My wife and I have two children and two grandchildren. My hobbies include travel, property rehabilitation, and spending time with family.

I strongly believe in our product. I was a LECMPA policyholder myself and I’m personally committed to making sure my union brothers and sisters are aware of the peace of mind our coverage can provide. My mission is to continue to reach, teach, and guide others on this valuable asset that solely protects your income should you be placed in the position of suspension or termination.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Cameron Reeves
Marketing Manager – Western Region

I am a 4th generation railroader, and becoming a railroader myself seemed like the natural decision — it was all I knew. I started as a manager with Union Pacific for 10 years and I have been a trainman for the past 16 years. I was a yardmaster in South Oakland, MTO in Stockton, CA, and a Senior MTO in Roseville, CA. I’ve been in Stockton, CA since I returned to train service and I am the Vice Local Chairman for Division 283 out of Oakland. My wife Christina and I have four children — Rylee, Haley, Hannah, and Cade. My free time is mostly spent following my daughter from softball field to softball field as she tries to earn her college scholarship. I also enjoy going to concerts with my wife. I’ve been with LECMPA for 11 years. I do what I do because I enjoy the travel,  and the most rewarding part of this job is being able to call our members when their claim has been approved.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Kenneth Romero
Marketing Manager – Great Plains Region

BNSF was hiring after my time in the Army ended. It was the best job in the area with the best benefits. I worked in the Illinois/Chicago Divisions then transferred to the Gulf/Red River Division. I have been assigned to several locations throughout my 24 years of service, including Galesburg IL, Chicago, Peoria, West Quincy, Creston, IA, Lacrosse, WI, New Orleans, and Lafayette, LA. My wife Jennifer and I have four kids — Olivia, Angelle, Zachary, and Beau, and one Grandson, Casey Jr. Throughout my 20 years with LECMPA, I’ve loved going above and beyond to help people. Our job isn’t just about selling insurance. It’s about making sure that they have peace of mind knowing that they will be taken care of if something were to happen.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Wiley Yates
Marketing Manager – Eastern Region

I was hired on as an assistant signalman with CSX Transportation in May of 1990, before being granted a signalman position on a maintenance team in Tampa, FL. I have worked as an electronic signal specialist in the CSX Dispatch Center in Jacksonville, FL for the last 31 years. I am also the Vice General Chairman of the SE General Committee of the Brotherhood of Railroad Signalmen. I’ve been married to my high school sweetheart for over 32 years and have three children. Outside of work, I enjoy spending time traveling with my family, fishing, and playing golf. I started as an LECMPA Florida State agent in March of 2009. I truly enjoy working for LECMPA, as it allows me to help fellow transportation workers protect their income against heavy-handed discipline handed down by big corporations.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Bob Brown
Vice President, Union Relations

I started working for Union Pacificat at just 18 years old. I went back to school in 1986, earning a BA in economics. I worked in the railroad industry for 32 years, with UPRR from 1972-1986, WCRC from 1986-1996, and BNSF from 1996-2005. My assignments have included: Maintenance of Way, Brakeman, Conductor, Engineer, Agent, Dispatcher, Sales Manager, and Vice President of Marketing. My union roles have included serving as a Local Chairman. My wife Donna and I have four sons, Jeremy, Sean, Cody, and Jerry. I enjoy hobbies such as scuba diving, traveling, motorcycles, fishing, and golf. I have been with LECMPA for 23 years. My greatest reward is when a member calls to thank me because his claim was paid. We save homes and families — what could be better?

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Bob Brown
Vice President, Union Relations

I started working for Union Pacificat at just 18 years old. I went back to school in 1986, earning a BA in economics. I worked in the railroad industry for 32 years, with UPRR from 1972-1986, WCRC from 1986-1996, and BNSF from 1996-2005. My assignments have included: Maintenance of Way, Brakeman, Conductor, Engineer, Agent, Dispatcher, Sales Manager, and Vice President of Marketing. My union roles have included serving as a Local Chairman. My wife Donna and I have four sons, Jeremy, Sean, Cody, and Jerry. I enjoy hobbies such as scuba diving, traveling, motorcycles, fishing, and golf. I have been with LECMPA for 23 years. My greatest reward is when a member calls to thank me because his claim was paid. We save homes and families — what could be better?

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.