Q. How do I become a Member?
A. Complete an Application for Membership to start the Membership process. You can qualify for LECMPA coverage here.
Q. Can I lower or raise my coverage as my wages change?
A. Yes, just call your representative or the State Manager.
Q. How soon after I submit my application will my policy be issued?
A. Once we receive your completed policy application, if you are eligible, your policy will be issued effective in two business days in most instances.
Q. Do I need to submit any payment with my application?
A. No. Once the application is approved, you will receive the balance of the application month and the entire following month free.
If you select payroll deduction to pay your premiums, the deduction for the third month will occur sometime during your second month, depending upon the carrier. This is because it usually takes payroll payments two months to reach us.
If you choose to pay by automatic check or electronic funds transfer from your checking account, you have to provide a voided check at the time of application. Premiums are due in advance, and are deducted on the second to last business day of each month. This means your first payment will be taken at the end of month two.
If you choose to pay by credit card you must provide your credit card number at the time of application. Credit card payments are deducted on the 20th of each month. This means your first premium payment will be deducted on the 20th of month two.