Membership Eligibility Qualifications

Our 25,000+ 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:

  • You must be a union transportation worker in good standing, with dues current, and subject to discipline.
  • Program eligibility determined by your previous incidents and discipline history. 

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 program? Read our inactivating your policy FAQs.

To determine your specific coverage options, visit our plans and rates page.

Receive up to 365 Days of immediate coverage.

Innovative Programs that Benefit our Members

There are many benefits that make LECMPA the best value in job insurance for union transportation workers — just ask one of our 25,000+ members. Our Association has expanded upon a core set of wage-loss protections to provide members with additional personal and financial security features.

We offer convenient payroll deduction on most railroads as well as other payment methods. This removes the stress and concern that members may find themselves in arrears at the worst possible time.

Since the start of the Loyalty Appreciation Program in 2010, thousands of members have been awarded a generous loyalty award. Our Loyalty Appreciation Program is just one more way we strive to serve our members and their families. We always put the well-being of our members first.

It’s simple: if members refer an individual and they apply for membership and are approved, we’ll pay you a referral fee of $100. This program is a way to reward those who encourage other union transportation workers to join or increase their job insurance coverage with LECMPA.

The No 365 policy provides an opportunity to get the best coverage in the industry, immediately starting at 365 days—the maximum disciple days available. In its 5th year of maturity, the premium automatically drops.

An accidental death benefit paying up to $60,300 is included in all policies. LECMPA provides on-or-off-the-job accidental death coverage for our members, which includes matching coverage for their beneficiary at no extra charge. 

*Only the member is covered in the states of California and Texas.

When members pay the entire year’s premium in advance, they’ll receive a 15% discount. They can also pay twice a year and receive 5% off their premium. These options provide a significant savings and make it convenient for our members to stay current.

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.

Rail Operating Crafts

  • Entering main track without authority
  • Run through switches
  • Operating outside track and time authority limits
  • Signal violations
  • Air brake and train handling violations
  • Sideswiping cars
  • Failure to properly secure consist
  • Improperly lined switches
  • Exceeding maximum authorized speed
  • PTC violations

Rail Operating Crafts Plan

Maintenance of Way

  • Improper installation of switch
  • Fouling adjacent track occupied with moving equipment
  • Failure to properly handle main track switch
  • Vehicle collision
  • Track authority violation
  • Failure to obtain permission to
    enter work area
  • Failure to report track conditions
  • Moving consist resulting in
    property damage
  • Improper use of radio
  • Failed to stop equipment within
    one half the range of vision

Rail Non-Operating Crafts Plan

Communications & Signal

  • Vehicle accident damaging company vehicle
  • Disabled relay for crossing warning device
  • Failure to obtain proper authority to occupy track
  • Failure to properly protect a crossing with problems
  • Improper repair of wires resulting in false proceed
  • Fouled live class yard track without protection
  • Ran over track and time limits of authority
  • Failure to see improper warning lights on crossing gate
  • Failure to correct activation failures

Rail Non-Operating Crafts Plan

Car & Shop Department

  • Vehicle accident damaging company vehicle
  • Improper job briefings
  • Blue flag violations
  • Missing FRA defects
  • Improper use of tools
  • Mistakes in car and locomotive inspections
  • Improper switch tag lock-outs
  • Failure to secure units
  • Incorrect derail placements
  • Incomplete car and locomotive air tests

Rail Non-Operating Crafts Plan


  • Damage to railroad property
  • Vehicle collisions
  • Blue flag violations
  • Failure to wear personal protection equipment
  • Failure to conduct air brake and/or safety inspections
  • Improper use of machine
  • Failure to wear safety harness

Rail Non-Operating Crafts Plan

Train Dispatchers

  • Failure to provide proper track protection
  • Issuing incorrect protection
    Failure to properly issue slow order or speed restrictions
  • Releasing authority that was still in effect
  • Failure to properly release track authority
  • Improper transmission of track and time
  • Giving permission past a stop signal without authorization
  • Failure to notify crew of
    activation failure
  • Failure to provide signals in a timely manner resulting in delays

Rail Non-Operating Crafts Plan

TCU Clerks

  • Failure to notify crew of changes in the train consist
  • Failure to notify dispatcher of resequenced hazardous material cars in consist
  • Failure to complete the change in train consist form
  • Entering Form B without proper authority
  • Phone being used had open microphones
  • Collision damaging a railroad vehicle
  • Incorrectly reporting train into yard
  • Reporting for duty without required minimum rest

Rail Non-Operating Crafts Plan

Trucking, Logistics and UPS

  • Rollaway accident
  • Failure to properly charge ready area
  • Taking too long to load a truck or cargo area
  • Jackknifed and rolled over on highway
  • Left keys in ignition
  • Failure to properly secure bulkhead
  • Sheeting packages incorrectly
  • Vehicle accident
  • Trailer test tug failed

Trucking, Logistics and UPS Plan

Need to file a claim?