Transportation workers protecting each other since 1910.

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How Are Claims Handled?

One practice that sets LECMPA apart from other job insurers is the individualized attention and review given to each and every claim. We look at all of the circumstances and facts surrounding claims and give the benefit of the doubt to our members whenever possible.

LECMPA understands that people need to get back to work promptly and that agreeing to discipline for a reduced charge (signing a waiver) gets a worker back on the job quickly. However, we do not assume a waiver means the member admits to any wrong-doing. In fact, LECMPA pays covered losses whether you sign a waiver or go to investigation. Click here to read how every claim LECMPA pays is for a rule violation.

Most claims made by LECMPA members are paid promptly and without incident. However, you have two opportunities to appeal a denied claim. You may ask the Appeal Board to review your claim. The Board is composed of officers, trustees, or former claims handlers of LECMPA who are experienced with our company, with the railroad and transportation industries, and with claims. Our internal review usually takes about 60 days. You also have the right to request a review by the Michigan Office of Finance and Insurance Regulation.

Need more information? Read our Claims Processing brochure. Have a specific question about claims, check out our claims FAQS.

Need a Claim Form?

When you need to file a claim, call the Home Office Toll Free: (800) 514-0010 to request claim forms and begin the claim process. Make sure to provide all the requested information to ensure that your claim can be processed as efficiently as possible. LECMPA will review your claim promptly and affirm or deny coverage of claims. Claims are reviewed in the order in which they are received. Most claims are reviewed within a week of when all documents are received.

You can also request a claim form with our claims form login here.