The best coverage. The best benefits. 
The best rates.

LECMPA is proud to offer its member-owners the same great coverage — for the lowest rates in the industry!

  • All existing and new No. 12 policyholders upgrade to 365 discipline days of eligibility

Rail Non-Operating Crafts Qualify for This Plan

To see if your job is part of the Non-Operating Crafts plan, use our plan checker. Plan Checker

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.

Non-Operating Rail Crafts Options

No 12

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†
BenefitPremiumMinimum Monthly
Accidental Death Feature**
Benefit1st Year
180 Days
2nd Year
210 Days
3rd Year
240 Days
4th Year
270 Days
5th Year
300 Days
6th Years+
365 Days

* 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 forced:
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.


Serving rail workers for more than 100 years.

No 365

You choose the daily amount of coverage to insure, at a reasonable price. The maximum days are set at 365 days. Daily rates from $60.00 to $252.00 in increments of $3.00.

To find your rates, select the company you are employed by.

No down payment with payroll deduction.

Typical claims that we cover:

  • 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
  • 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
  • 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
  • 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
  • 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
  • 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

Need to file a claim?

Additional Resources

If you have any additional questions about our Rail Non-Operating Crafts Plan, contact your local state agent. If you are ready to sign up for this plan, apply now