Rail Non-Operating Crafts
Plans and Rates
Enhanced Policies for Rail Non-Operating Crafts:
We proudly offer members the most comprehensive coverage and benefits on the market. Existing No. 12 policyholders have been upgraded to 365 days of eligibility.
On a promotional basis, new No. 12 policyholders are immediately eligible for 365 days of coverage — a benefit typically reserved for members who purchase the No. 365 policy.
The best coverage. The best benefits. The best rates.
Who is Eligible?
LECMPA members are employed in a variety of transportation industry crafts and trades.
Requirements for membership include:
- 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.
No down payment with payroll deduction.
LECMPA + BMWED
Protecting the general welfare of railroad labor and those dependent upon it has been the mission of LECMPA and the Brotherhood of Maintenance of Way Employes for over a century. These two great standard-bearers joined forces in 2023. BMWED has designated LECMPA the provider of wage loss insurance for its membership.
Plan Options
No 12
Coverage length per claim: Up to 365 days; plus an accidental death benefit covering you and your beneficiary.*
You choose the amount of coverage to insure, at a reasonable price. The maximum days increase on a yearly basis from 180 days in the 1st year to 365 days, after 5 years and 1 day. Daily rates from $60.00 to $252.00 in increments of $3.00.**
Policy coverage length increases each year policy is in force.
Covered Discipline Days†
| Benefit | Premium | Minimum Monthly Income** | Accidental Death: Member 1st Year | Accidental Death: Beneficiary 1st Year* |
|---|---|---|---|---|
| $60/day | $19.36 | $1,800 | $10,800 | $10,800 |
| $90/day | $29.04 | $2,700 | $16,200 | $16,200 |
| $102/day | $32.91 | $3,060 | $50,000 | $50,000 |
| $120/day | $38.72 | $3,600 | $50,000 | $50,000 |
| $150/day | $48.40 | $4,500 | $50,000 | $50,000 |
| $180/day | $58.08 | $5,400 | $50,000 | $50,000 |
| $201/day | $64.86 | $6,060 | $50,000 | $50,000 |
| $225/day | $72.60 | $6,750 | $50,000 | $50,000 |
| $252/day | $81.31 | $7,560 | $50,000 | $50,000 |
| $300/day | $119.00 | $9,000 | $50,000 | $50,000 |
† 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.
* Beneficiary Accidental Death Coverage not available in Texas or California.
** Daily rate based on 30-day month.
Accidental Death Feature*
| Benefit | 1st Year | 2nd Year | 3rd Year | 4th Year | 5th Year | 6th Years+ |
|---|---|---|---|---|---|---|
| $60/day | $10,800 | $12,600 | $14,400 | $16,200 | $18,000 | $21,900 |
| $90/day | $16,200 | $18,900 | $21,600 | $24,300 | $27,000 | $32,850 |
| $102/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $120/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $150/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $180/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $201/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $225/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $252/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $300/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
* Beneficiary Accidental Death Coverage not available in Texas or California.
Serving rail workers for more than 100 years.
No 365
Covered Discipline Days
| Benefit | Premium | Minimum Monthly Income** |
|---|---|---|
| $60/day | $56.00 | $1,800 |
| $90/day | $84.00 | $2,700 |
| $102/day | $95.20 | $3,060 |
| $120/day | $112.00 | $3,600 |
| $150/day | $140.00 | $4,500 |
| $180/day | $168.00 | $5,400 |
| $201/day | $187.60 | $6,030 |
| $225/day | $210.00 | $6,750 |
| $252/day | $235.20 | $7,200 |
| $300/day | $280.00 | $7,560 |
** Daily rate based on 30-day month.
Accidental Death Feature*
| Benefit | 1st Year | 2nd Year | 3rd Year | 4th Year | 5th Year | 6th Years+ |
|---|---|---|---|---|---|---|
| $60/day | $10,800 | $12,600 | $14,400 | $16,200 | $18,000 | $21,900 |
| $90/day | $16,200 | $18,900 | $21,600 | $24,300 | $27,000 | $32,850 |
| $102/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $120/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $150/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $180/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $201/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $225/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $252/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
| $300/day | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 | $50,000 |
* Beneficiary Accidental Death Coverage not available in Texas or California.
LECMPA has paid more than $100,000,000 in claims over the last 10 years.
Typical Claims That We Cover:
LECMPA has your back 24/7, on or off the clock.
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 - Review allegations of dishonesty
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
- Review allegations of dishonesty
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
- Review allegations of dishonesty
IAM Machinists & Roadway Mechanics
- 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 tools/equipment
- Failure to wear safety harness
- Review allegations of dishonesty
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
- Review allegations of dishonesty
TCU Clerks & Crew Callers
- 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
- Review allegations of dishonesty
Resource Center
Join LECMPA
To apply for LECMPA membership, you’ll need to provide some basic information. You can apply online or work with one of our friendly agents who will fill out the application with you. The process is fast and easy.
Find Your Agent
To make it easier to locate your local LECMPA agent, we have broken them down into different regions.
Loyalty Appreciation Dividend
With an average Loyalty Appreciation payment of $1,400, LECMPA gives back to loyal, eligible members when they retire.
Benefits
Discipline is a constant across all trades and crafts. Can you afford to go without a paycheck? LECMPA has paid more than $100,000,000 in claims over the last 10 years.
Brochure
Download our brochure to learn more about our Rail Non-Operating Crafts Plans.
File A Claim
When you need to file a claim, call the Home Office: (800) 514-0010 to request claim forms and begin the claim process.