FAQ

 

 

 

 

 

 

 

Q. How do I become a Member?

A. Fill out the contact information and we will begin the application process.

Q. I’m off work due to furlough or injury. Must I keep up my payments?

A. If you are off work for an entire calendar
month due to leave of absence, military service or furlough, you can suspend
your policy and don’t need to pay dues. However, if you suspend your policy, no
benefits are payable for incidents which occur in that month, including
accidental death incidents. If you want to keep the accidental death feature
active, you must continue to pay dues.

Q. When will my coverage go into effect?

A. Once your completed application reaches our main
office, coverage will begin upon completion of underwriting process, within a few business days.

Q. How much does coverage cost each month?

A. Coverage varies on the amount of coverage and type of policy, to get an idea of the amount and price of coverage, for job insurance, see our Policy Calculator page.

Click here – Policy Calculator Page.

 

 

 

Q. How do I calculate the daily rate I can carry?

A. LECMPA coverage is calculated based on a 7-day
week, start with your average gross monthly wage. Take that
amount and divide by 30 for the acceptable daily rate. Coverage is
issued in increments of $3. So for example, if your average monthly gross is
$3,600: $3,600/30 = $120/day maximum.

Q. Are there discounts available?

A. Yes. A 5% discount for semi-annual
payments, and a 15% discount for annual payments. LECMPA must receive the entire amount in advance.

Q. Who is eligible for LECMPA membership?

A. LECMPA membership is open to all unionized
transportation workers.