What are the different Railroad Job Insurance Protection companies out there?

Question

I was curious how many job insurance companies are out there for Railroad Employees. The coverage Im referring to in the insurance you pay for and collect when you get into trouble at work. I know of UTU, LECMPA, BRCF and CPA but are there any others?

Answer 1

I think you have it all listed, I have BRCF myself. Same policy since 1973, I have seen it pay on red signal violations that LEMCP had denied.

I believe that LEMCPA pays back a small dividend on premiums poid of there is not claim, although that may be wrong info. Something to check into.

No one is perfect, better to stay out of trouble if you can. I have only collected two small claims.

One was for an efficiency test failure, any one would have paid on that.

The other one was for excessive speed, and it paid with no questions asked.

d**n yellow flags are sometimes hard to see against the sunrise LOL.

Answer 2

Locomotive Engineers & Conductors Mutual Protective Association

535 Griswold

Suite 1210

Detroit, Michigan 48226-3689

[phone] or [phone]

E-Mail: [e-mail]

Web  www.lecmpa.orG

Don't leave home without it.............

I reccommend this above the others.  With the others, a committee evaluates the claim and decides if it is in fact payable.  This, more like the old BLE insurance, is a true insurance.

Of course none of them will cover a speed volation or a violation of rule "G".

I know that in the past, the others (UTU and BRCF) have have denied claims where similar infractions have occured in short time span.  The thinking there is, well, Joe saw Bill get paid for his little contretemps, so Joe is just trying to milk the cow.  CLAIM DENIED.