Transportation workers protecting each other since 1910.

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Claims Questions

Q. How do I get claim forms?

A. You can call us toll-free during business hours at 1-800-514-0010 or request forms on our website. Click here to request claim forms.

Q. How soon will I be paid?

A. In order to be fair, we review claims in the order in which they are received. Most claims are reviewed within a week of when all documents are received. We make claims payments weekly.

Q. How will I be paid?

A. We pay claims on Wednesdays, by electronic transfer to the bank account of your choice. You will be paid until your policy limit is reached or you are offered return to service, whichever comes first.

Q. What information do you need to review my claim?

A. When you request claim forms, we will send you a packet with an explanation of what we need. You will need to complete a Notice of Claim, which includes an explanation of the incident resulting in discipline. You must also file a witness statement, a copy of your charge letter and discipline notice. In some cases, you may be asked for additional information, such as a transcript of Investigation or work history.

Q. How long will I be paid?

A. Until your suspension is completed, you are offered reinstatement, or your policy limit is reached, whichever happens first.

Q. Do I have the right to appeal if my claim is denied?

A. Yes; you actually had two opportunities to appeal. You may ask that the Appeal Board review your claim. The Board is composed of trustees and former employees of LECMPA who are experienced with our company 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.

Q. Will LECMPA pay for claims involving engineer and conductor decertification?

A. If an engineer or conductor is decertified, LECMPA will pay their full daily rate for any approved claim or the difference up to their insured daily rate, whichever is less, if a different position with lower pay is accepted.

Q. Do I need to repay LECMPA the money I received for an approved claim if I am awarded back-pay after appealing to the mediation board?

A. When the member is awarded back-pay from the public law board after an appeal, LECMPA does not require repayment of dispersed claim money. (Excludes leniency reinstatement agreements.)

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