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Rail Operating Crafts

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Enhanced Policies for Rail Operating Crafts

We are proud to offer members the most comprehensive coverage and benefits on the market. Our new Premier 550 earns members an additional 185 covered discipline days — 50 percent more than the Policy No. 16 — at no additional cost. Current Premier 180 policyholders gain up to 57 percent more daily coverage at no additional cost

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

We are proud to offer our members industry-leading coverage through our Premier 550 and Premier 180 policies. Our offerings enable members to choose from a variety of covered discipline days ranging from 180-550 days with confidence that they have the best coverage at the best value.

Washing train Window

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.

Plan Options

Premier 550

Coverage length per claim: Up to 550 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 365 days in the 1st year to 550 days, after 4 years and 1 day. Daily rates from $60.00 to $300.00 in increments of $3.00.**

Policy coverage length increases each year policy is in force.

Covered Discipline Days†
BenefitPremiumMinimum Monthly Income**
$60/day$26.25/mo$1,800
$90/day$39.38/mo$2,700
$102/day$44.63/mo$3,060
$120/day$52.50/mo$3,600
$150/day$65.63/mo$4,500
$180/day$78.75/mo$5,400
$201/day$87.94/mo$6,030
$225/day$98.44/mo$6,750
$252/day$110.25/mo$7,560
$300/day$131.25/mo$9,000

† 1st year = 365 days, 1 Year + 1 Day = 400 days, 2 Years + 1 Day = 450 days, 3 Years + 1 Day = 500 days, 4 Years + 1 Day = 550 days.
** Daily rate based on 30-day month.

Accidental Death Feature*
Benefit1st Year2nd Year3rd Year4th Year5th Year
$60/day$10,800$12,600$14,400$16,200$18,000
$90/day$16,200$18,900$21,600$24,300$27,000
$102/day$50,000$50,000$50,000$50,000$50,000
$120/day$50,000$50,000$50,000$50,000$50,000
$150/day$50,000$50,000$50,000$50,000$50,000
$180/day$50,000$50,000$50,000$50,000$50,000
$201/day$50,000$50,000$50,000$50,000$50,000
$225/day$50,000$50,000$50,000$50,000$50,000
$252/day$50,000$50,000$50,000$50,000$50,000
$300/day$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.

Premier 180

Coverage length per claim or per calendar year: Up to 180 days; plus an accidental death benefit covering you and your beneficiary.*

You choose the daily amount of coverage and the number of days will never change. You will be covered for 180 days per claim or per year when the policy becomes effective. Daily rates from $60.00 to $252.00 in increments of $3.00.**

BenefitPremiumMinimum Monthly Income**
$60/day$14.00/mo$1,800
$90/day$21.00/mo$2,700
$102/day$23.80/mo$3,060
$120/day$28.00/mo$3,600
$150/day$35.00/mo$4,500
$180/day$42.00/mo$5,400
$201/day$46.90/mo$6,030
$225/day$52.50/mo$6,750
$240/day$56.00/mo$7,200
$252/day$58.80/mo$7,560

** Daily rate based on 30-day month.

Accidental Death Feature*
Benefit1st Year2nd Year3rd Year4th Year5th Year6th 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
$240/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

* Beneficiary Accidental Death Coverage not available in Texas or California.

 

Express 550

Provides immediate access to 550 discipline days; automatically converts to Premier 550 pricing in year five.
 
Coverage length per claim: Up to 550 days; plus an accidental death benefit covering you and your beneficiary.*
 
You choose the daily amount of coverage. You will be covered for up to 550 days per claim when the policy becomes effective. Daily rates from $60.00 to $300.00 in increments of $3.00.**
BenefitPremiumMinimum Monthly Income**Accidental Death:
Member 1st Year		Accidental Death:
Beneficiary 1st Year*
$60/day$56.00/mo$1,800$10,800$10,800
$90/day$84.00/mo$2,700$16,200$16,200
$102/day$95.20/mo$3,060$50,000$50,000
$120/day$112.00/mo$3,600$50,000$50,000
$150/day$140.00/mo$4,500$50,000$50,000
$180/day$168.00/mo$5,400$50,000$50,000
$201/day$187.60/mo$6,030$50,000$50,000
$225/day$210.00/mo$6,750$50,000$50,000
$252/day$235.20/mo$7,200$50,000$50,000
$300/day$280.00/mo$7,560$50,000$50,000

* Beneficiary Accidental Death Coverage not available in Texas or California.
** Daily rate based on 30-day month.

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.

  • 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
  • Review allegations of dishonesty
Rail Operating Claims

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. 

Apply Now

Find Your Agent

To make it easier to locate your local LECMPA agent, we have broken them down into different regions.  

Find Agent

Loyalty Appreciation Dividend

With an average Loyalty Appreciation payment of $1,400, LECMPA gives back to loyal, eligible members when they retire.

Loyalty Appreciation Dividend

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. 

Benefits

Brochure

Download our brochure to learn more about our Rail Operating Crafts Plans.

Rail Operating Craft Brochure
Policy Upgrade Brochure

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.

File a Claim

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Gil Clark
Marketing Manager – Trucking/Logistics/UPS

I was employed by UPS for 38 years, serving as a package car driver and feeder truck driver from St. Louis to Earth City, MO. I served as a union shop steward for 25 years. My wife and I have two children and two grandchildren. My hobbies include travel, property rehabilitation, and spending time with family.

I strongly believe in our product. I was a LECMPA policyholder myself and I’m personally committed to making sure my union brothers and sisters are aware of the peace of mind our coverage can provide. My mission is to continue to reach, teach, and guide others on this valuable asset that solely protects your income should you be placed in the position of suspension or termination.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Cameron Reeves
Marketing Manager – Western Region

I am a 4th generation railroader, and becoming a railroader myself seemed like the natural decision — it was all I knew. I started as a manager with Union Pacific for 10 years and I have been a trainman for the past 16 years. I was a yardmaster in South Oakland, MTO in Stockton, CA, and a Senior MTO in Roseville, CA. I’ve been in Stockton, CA since I returned to train service and I am the Vice Local Chairman for Division 283 out of Oakland. My wife Christina and I have four children — Rylee, Haley, Hannah, and Cade. My free time is mostly spent following my daughter from softball field to softball field as she tries to earn her college scholarship. I also enjoy going to concerts with my wife. I’ve been with LECMPA for 11 years. I do what I do because I enjoy the travel,  and the most rewarding part of this job is being able to call our members when their claim has been approved.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Kenneth Romero
Marketing Manager – Great Plains Region

BNSF was hiring after my time in the Army ended. It was the best job in the area with the best benefits. I worked in the Illinois/Chicago Divisions then transferred to the Gulf/Red River Division. I have been assigned to several locations throughout my 24 years of service, including Galesburg IL, Chicago, Peoria, West Quincy, Creston, IA, Lacrosse, WI, New Orleans, and Lafayette, LA. My wife Jennifer and I have four kids — Olivia, Angelle, Zachary, and Beau, and one Grandson, Casey Jr. Throughout my 20 years with LECMPA, I’ve loved going above and beyond to help people. Our job isn’t just about selling insurance. It’s about making sure that they have peace of mind knowing that they will be taken care of if something were to happen.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Wiley Yates
Marketing Manager – Eastern Region

I was hired on as an assistant signalman with CSX Transportation in May of 1990, before being granted a signalman position on a maintenance team in Tampa, FL. I have worked as an electronic signal specialist in the CSX Dispatch Center in Jacksonville, FL for the last 31 years. I am also the Vice General Chairman of the SE General Committee of the Brotherhood of Railroad Signalmen. I’ve been married to my high school sweetheart for over 32 years and have three children. Outside of work, I enjoy spending time traveling with my family, fishing, and playing golf. I started as an LECMPA Florida State agent in March of 2009. I truly enjoy working for LECMPA, as it allows me to help fellow transportation workers protect their income against heavy-handed discipline handed down by big corporations.

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Bob Brown
Vice President, Union Relations

I started working for Union Pacificat at just 18 years old. I went back to school in 1986, earning a BA in economics. I worked in the railroad industry for 32 years, with UPRR from 1972-1986, WCRC from 1986-1996, and BNSF from 1996-2005. My assignments have included: Maintenance of Way, Brakeman, Conductor, Engineer, Agent, Dispatcher, Sales Manager, and Vice President of Marketing. My union roles have included serving as a Local Chairman. My wife Donna and I have four sons, Jeremy, Sean, Cody, and Jerry. I enjoy hobbies such as scuba diving, traveling, motorcycles, fishing, and golf. I have been with LECMPA for 23 years. My greatest reward is when a member calls to thank me because his claim was paid. We save homes and families — what could be better?

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Craig Rehse
CFO, Secretary, Treasurer

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.

Bob Brown
Vice President, Union Relations

I started working for Union Pacificat at just 18 years old. I went back to school in 1986, earning a BA in economics. I worked in the railroad industry for 32 years, with UPRR from 1972-1986, WCRC from 1986-1996, and BNSF from 1996-2005. My assignments have included: Maintenance of Way, Brakeman, Conductor, Engineer, Agent, Dispatcher, Sales Manager, and Vice President of Marketing. My union roles have included serving as a Local Chairman. My wife Donna and I have four sons, Jeremy, Sean, Cody, and Jerry. I enjoy hobbies such as scuba diving, traveling, motorcycles, fishing, and golf. I have been with LECMPA for 23 years. My greatest reward is when a member calls to thank me because his claim was paid. We save homes and families — what could be better?

Rod Bloedow, President

I’m a railroader who grew up in railroad households, where Soo Line callers would ring my engineer dad and conductor grandfather at all hours. During college, I landed summer employment with the railroad. Then, in May of 1998, I was hired onto “the Chessie” and spent the next 23 years working the road in engine service and serving as a union officer. Like my father and grandfather, I made the wise decision to purchase job insurance.