The No 365 Policy allows LECMPA members and eligible applicants to enjoy industry exclusive coverage and peace of mind.
Union transportation workers can utilize the No 365 Policy to get the best coverage available, immediately starting at 365 discipline days — the maximum allowable benefit of any wage loss provider. After five years of maturity, the No 365 Policy automatically converts to the No 12 Policy for non-operating rail craft employees, or the No 16 Policy for rail operating craft employees, depending on the member’s job class. Premiums then automatically drop to the lower No 12 or No 16 Policy rates, a significant value.
Eligible applicants from BRCF or DIPP who switch to LECMPA can take out a No. 365 Policy, keeping the discipline days they earned with the competitor while being charged the lower premium of our No 12 or No 16 policies, depending on the job class.
There are many reasons LECMPA is the best value in wage-loss protection for union transportation workers — just ask one of our 25,000+ members. The Association has expanded upon a core set of discipline-related wage loss protections to provide members with additional financial security and benefits.
To find your rates, select the company you are employed by.
*Daily rate based on 30-day month
**Beneficiary Accidental Death Coverage not available in Texas or California.
†Policy coverage length increases each year policy is in enforced:
1st year = 180 days, 1 Year + 1 Day = 210 days, 2 Years + 1 Day = 240 days, 3 Years + 1 Day = 270 days, 4 Years + 1 Day = 300 days, 5 Years + 1 Day = 365 days