Claims
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.
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.
Our claims staff will be happy to walk you through the claims process. To talk to a friendly claims adjudicator, just call our Home Office at (800) 514-0010.
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.