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LECMPA was established in 1910 as a cooperative assessment insurer. Our first policyholders were Locomotive Engineers, Conductors and Streetcar Motormen, who pledged to financially protect each other from the perils inherit in their hazardous occupations. 

A Proud Past, A Faithful Future

Today, LECMPA provides wage loss protection and other benefits to 25,000 union transportation workers throughout the United States and Canada. We are a tax-exempt, member-owned Association regulated by the Michigan Department of Insurance and Financial Services, which routinely reviews our performance.

We differ from our competitors because we are owned by our members, and don’t have to satisfy shareholders who aren’t union transportation workers. That means every decision is made with our members’ best interests in mind. Our funds are used for member claims and to safeguard their future financial security.

Serving rail workers for more than 100 years.

We Know Transportation

LECMPA maintains a North American sales force composed of union transportation workers just like you. Most of our representatives are currently employed at railroad or other union transportation jobs, or retired from those jobs. Many are also satisfied LECMPA policyholders. They know firsthand what it’s like to be a transportation worker, and how important wage loss protection is to properly support your family and give you peace of mind. 

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