1.800.514.0010

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. 16 policyholders upgrade to 365 discipline days of eligibility
  • Premier policyholders can convert to the No. 16; more coverage at lower rates!

Rail Operating Crafts Qualify for This Plan

To see if your job is part of the Rail 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.

Engineers, Conductors, Trainmen and Yardmen Options

Premier 120

Coverage length per claim or per calendar Year: 120 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 120 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 IncomeAccidental Death 1st Year*Beneficiary
$60/day$18.75$1,800$7,200$7,200
$90/day$28.13$2,700$10,800$10,800
$102/day$31.88$3,060$50,000$50,000
$120/day$37.50$3,600$50,000$50,000
$150/day$46.88$4,500$50,000$50,000
$180/day$56.25$5,400$50,000$50,000
$201/day$62.81$6,030$50,000$50,000
$225/day$70.31$6,750$50,000$50,000
$240/day$75.00$7,200$50,000$50,000
$252/day$78.75$7,560$50,000$50,000

Serving rail workers for more than 100 years.

Premier 180

Coverage length per claim or per calendar Year: 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 IncomeAccidental Death 1st Year*Beneficiary
$60/day$22.50$1,800$10,800$10,800
$90/day$33.75$2,700$16,200$16,200
$102/day$38.25$3,060$50,000$50,000
$120/day$45.00$3,600$50,000$50,000
$150/day$56.25$4,500$50,000$50,000
$180/day$67.50$5,400$50,000$50,000
$201/day$75.38$6,030$50,000$50,000
$225/day$84.28$6,750$50,000$50,000
$240/day$90.00$7,200$50,000$50,000
$252/day$94.50$7,560$50,000$50,000

No 16

You choose the daily 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
Income*
Accidental
Death 1st Year
Beneficiary
$60/day$26.25$1,800$10,800$10,800
$90/day$39.38$2,700$16,200$16,200
$102/day$44.63$3,060$50,000
$50,000
$120/day$52.50$3,600$50,000$50,000
$150/day$65.63$4,500$50,000$50,000
$180/day$78.75$5,400$50,000$50,000
$201/day$87.94$6,030$50,000$50,000
$225/day$98.94$6,750$50,000$50,000
$240/day$105.00$7,200$50,000$50,000
$252/day$110.25$7,560$50,000$50,000
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
$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$54,750
$180/day$50,000$50,000$50,000$50,000$54,000$60,300
$201/day$50,000$50,000$50,000$54,270$60,300$60,300
$225/day$50,000$50,000$50,000$60,300$60,300$60,300
$240/day$50,000$50,400$57,600$60,300$60,300$60,300
$252/day$50,000$52,900$60,300$60,300$60,300$60,300

*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 force:
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

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 $300.00 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:

  • 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

Need to file a claim?

Additional Resources

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