Income Protection for Your Peace of MindTranortation orer rotectin eac oter ince 1910. Group B...
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Transportation workers protecting each other since 1910. Group B Policy Information MINIMUM MONTHLY INCOME* $1,800 $2,700 $3,060 $3,600 $4,500 $5,400 $6,030 $6,750 $7,200 $7,560 POLICY No. 12 - NUMBER OF COVERED DISCIPLINE DAYS INCREASES WITH YEARS IN FORCE† BENEFIT: $60/day $90/day $102/day $120/day $150/day $180/day $201/day $225/day $240/day $252/day§ PREMIUM: $22.00/mo $33.00/mo $37.40/mo $44.00/mo $55.00/mo $66.00/mo $73.70/mo $82.50/mo $88.00/mo $92.40/mo COVERAGE LENGTH PER YEAR ACCIDENTAL DEATH BENEFIT Beneficiary accidental death coverage is not available in California or Texas 1 ST YEAR — 180 DAYS $10,800 $16,200 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 2 ND YEAR — 210 DAYS $12,600 $18,900 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,400 $52,900 3 RD YEAR — 240 DAYS $14,400 $21,600 $50,000 $50,000 $50,000 $50,000 $50,000 $54,000 $57,600 $60,300 4 TH YEAR — 270 DAYS $16,200 $24,300 $50,000 $50,000 $50,000 $50,000 $54,270 $60,300 $60,300 $60,300 5 TH YEAR — 300 DAYS $18,000 $27,000 $50,000 $50,000 $50,000 $54,000 $60,300 $60,300 $60,300 $60,300 6 TH YEAR — 365 DAYS $21,900 $32,850 $50,000 $50,000 $54,750 $60,300 $60,300 $60,300 $60,300 $60,300 LECMPA • 4000 Town Center, Suite 1250 • Southfield, MI 48075-1407 • Phone: (800) 514-0010 • Fax: (877) 633-1910 • [email protected] • www.lecmpa.org *Daily rate based on 30-day month §For $252 daily benefit, applicant must have a discipline-free record for 3 years or longer †1 st year = 180 days; 1 year + 1 day = 210 days; 2 years + 1 day = 240 days; 3 years + 1 day = 270 days; 4 years + 1 day = 300 days; 5 years + 1 day = 365 days IAMAW UPS AND TRUCKERS Income Protection for Your Peace of Mind MINIMUM MONTHLY INCOME* $1,800 $2,700 $3,060 $3,600 $4,500 $5,400 $6,030 $6,750 $7,200 $7,560 POLICY No. 12 - NUMBER OF COVERED DISCIPLINE DAYS INCREASES WITH YEARS IN FORCE† BENEFIT: $60/day $90/day $102/day $120/day $150/day $180/day $201/day $225/day $240/day $252/day§ PREMIUM: $25.00/mo $37.50/mo $42.50/mo $50.00/mo $62.50/mo $75.00/mo $83.75/mo $93.75/mo $100.00/mo $105.00/mo COVERAGE LENGTH PER YEAR ACCIDENTAL DEATH BENEFIT Beneficiary accidental death coverage is not available in California or Texas 1 ST YEAR — 180 DAYS $10,800 $16,200 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 2 ND YEAR — 210 DAYS $12,600 $18,900 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,400 $52,900 3 RD YEAR — 240 DAYS $14,400 $21,600 $50,000 $50,000 $50,000 $50,000 $50,000 $54,000 $57,600 $60,300 4 TH YEAR — 270 DAYS $16,200 $24,300 $50,000 $50,000 $50,000 $50,000 $54,270 $60,300 $60,300 $60,300 5 TH YEAR — 300 DAYS $18,000 $27,000 $50,000 $50,000 $50,000 $54,000 $60,300 $60,300 $60,300 $60,300 6 TH YEAR — 365 DAYS $21,900 $32,850 $50,000 $50,000 $54,750 $60,300 $60,300 $60,300 $60,300 $60,300
Transcript of Income Protection for Your Peace of MindTranortation orer rotectin eac oter ince 1910. Group B...
Transportation workers protecting each other since 1910.
Group B Policy Information
Income Protection for Your Peace of Mind
MIN
IMU
M M
ON
TH
LY IN
CO
ME
*
$1,8
00
$2
,70
0$
3,0
60
$3
,60
0$
4,5
00
$5
,40
0$
6,0
30
$6
,75
0$
7,20
0$
7,56
0
PO
LIC
Y N
o. 12 - N
UM
BE
R O
F C
OV
ER
ED
DIS
CIP
LIN
E D
AY
S IN
CR
EA
SE
S W
ITH
YE
AR
S IN
FO
RC
E†
BE
NE
FIT
: $
60
/day
$9
0/d
ay$
102
/day
$12
0/d
ay$
150
/day
$
180
/day
$
20
1/day
$2
25
/day
$2
40
/day
$2
52
/day
§
PR
EM
IUM
: $
22
.00
/mo
$3
3.0
0/m
o
$3
7.40
/mo
$4
4.0
0/m
o
$5
5.0
0/m
o
$6
6.0
0/m
o
$7
3.7
0/m
o
$8
2.5
0/m
o$
88
.00
/mo
$9
2.4
0/m
o
CO
VE
RA
GE
LE
NG
TH
P
ER
YE
AR
AC
CID
EN
TAL
DE
AT
H B
EN
EF
ITB
eneficiary accidental death coverage is not available in C
alifornia or Texas
1S
T YE
AR
— 18
0 D
AY
S
$10
,80
0
$16
,20
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
2N
D YE
AR
— 2
10 D
AY
S
$12
,60
0
$18
,90
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,4
00
$
52
,90
0
3R
D YE
AR
— 2
40
DA
YS
$
14,4
00
$
21,6
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
4,0
00
$
57,6
00
$
60
,30
0
4T
H YE
AR
— 2
70
DA
YS
$
16,2
00
$
24
,30
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
4,2
70
$
60
,30
0
$6
0,3
00
$
60
,30
0
5T
H YE
AR
— 3
00
DA
YS
$
18,0
00
$
27,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
4,0
00
$
60
,30
0
$6
0,3
00
$
60
,30
0
$6
0,3
00
6T
H YE
AR
— 3
65
DA
YS
$2
1,90
0$
32
,85
0$
50
,00
0$
50
,00
0$
54
,75
0$
60
,30
0$
60
,30
0$
60
,30
0$
60
,30
0$
60
,30
0
LE
CM
PA
• 40
00
Tow
n C
enter, S
uite 12
50
• So
uth
field
, MI 4
80
75-14
07 • P
ho
ne: (8
00
) 514
-00
10 • Fax: (8
77
) 63
3-19
10 • lecm
pa19
10@
lecmp
a.o
rg • ww
w.lecm
pa
.org
*Daily rate based on 3
0-day m
onth §
For $2
52
daily benefit, applicant m
ust have a discipline-free record for 3 years or longer
†1
st year = 180
days; 1 year + 1 day = 210
days; 2 years + 1 day = 2
40
days; 3 years + 1 day = 2
70 days; 4
years + 1 day = 30
0 days; 5
years + 1 day = 36
5 days
IAMAW UPS AND TRUCKERS
Income Protection for Your Peace of Mind
MIN
IMU
M M
ON
TH
LY IN
CO
ME
*
$1,8
00
$2
,70
0$
3,0
60
$3
,60
0$
4,5
00
$5
,40
0$
6,0
30
$6
,75
0$
7,20
0$
7,56
0
PO
LIC
Y N
o. 12 - N
UM
BE
R O
F C
OV
ER
ED
DIS
CIP
LIN
E D
AY
S IN
CR
EA
SE
S W
ITH
YE
AR
S IN
FO
RC
E†
BE
NE
FIT
: $
60
/day
$9
0/d
ay$
102
/day
$12
0/d
ay$
150
/day
$
180
/day
$
20
1/day
$2
25
/day
$2
40
/day
$2
52
/day
§
PR
EM
IUM
: $
25
.00
/mo
$3
7.50
/mo
$4
2.5
0/m
o
$5
0.0
0/m
o
$6
2.5
0/m
o
$75
.00
/mo
$8
3.7
5/m
o
$9
3.7
5/m
o$
100
.00
/mo
$10
5.0
0/m
o
CO
VE
RA
GE
LE
NG
TH
P
ER
YE
AR
AC
CID
EN
TAL
DE
AT
H B
EN
EF
ITB
eneficiary accidental death coverage is not available in C
alifornia or Texas
1S
T YE
AR
— 18
0 D
AY
S
$10
,80
0
$16
,20
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
2N
D YE
AR
— 2
10 D
AY
S
$12
,60
0
$18
,90
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,4
00
$
52
,90
0
3R
D YE
AR
— 2
40
DA
YS
$
14,4
00
$
21,6
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
4,0
00
$
57,6
00
$
60
,30
0
4T
H YE
AR
— 2
70
DA
YS
$
16,2
00
$
24
,30
0
$5
0,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
4,2
70
$
60
,30
0
$6
0,3
00
$
60
,30
0
5T
H YE
AR
— 3
00
DA
YS
$
18,0
00
$
27,0
00
$
50
,00
0
$5
0,0
00
$
50
,00
0
$5
4,0
00
$
60
,30
0
$6
0,3
00
$
60
,30
0
$6
0,3
00
6T
H YE
AR
— 3
65
DA
YS
$2
1,90
0$
32
,85
0$
50
,00
0$
50
,00
0$
54
,75
0$
60
,30
0$
60
,30
0$
60
,30
0$
60
,30
0$
60
,30
0
Each year thousands of union transportation workers are held out of service, without a paycheck, for violating operating rules, regulations and orders that govern their jobs.
How would you cover your household expenses if you were disciplined and without pay?
Let LECMPA protect you with a simple, cost-effective policy to help you recover from wage loss due to disciplinary action.
*Beneficiary Accidental Death coverage is not available in California or Texas.
[email protected] WWW.LECMPA.ORG
Some examples of claims that we typically cover include:
› Vehicle collisions› Mistakes in inspections
› Improper use of tools/equipment› Incomplete tests› Allegedly delaying repairs
YOUR COVERAGE OPTIONSLECMPA offers a cost-effective way for transportation workers to protect their families and assets when they are held out of service for discipline without pay. The policy allows you to insure up to your average daily wage, with benefits ranging from $60 to $252 in increments of $3.
POLICY No. 12: COVERAGE INCREASES EACH YEAR THE POLICY IS IN FORCE. COVERAGE STARTS AT 180 DAYS THE FIRST YEAR AND REACHES A MAXIMUM OF 365 DAYS AFTER 5 YEARS AND ONE DAY. WHEN YOU RETURN TO WORK AFTER A CLAIM, YOUR POLICY “REBOOTS” BACK TO THE MAXIMUM COVERAGE FOR THAT POLICY YEAR. ALSO INCLUDES ACCIDENTAL DEATH FEATURE. OUR ACCIDENTAL DEATH FEATURE PROTECTS THE MEMBER ON AND OFF THE JOB. IT ALSO PROVIDES A MATCHING ACCIDENTAL DEATH BENEFIT ON YOUR BENEFICIARY AT NO EXTRA COST.*
STRONGER TOGETHEROur members experience peace of mind knowing that LECMPA stands behind them. Ask yourself: How would you handle the sudden loss of a paycheck? LECMPA can help!
WHO WE ARESince 1910, LECMPA has protected unionized transportation workers by providing wage loss insurance for incidents that result in discipline or discharge. LECMPA is a non-profit insurer with close to 30,000 union transportation members who have banded together to protect their incomes. LECMPA’s value goes beyond the benefit of wage loss insurance. As a member of LECMPA, you can rely on the combined financial strength of the entire membership, and their understanding of the hardships transportation workers often face.
BENEFITS OF LECMPA MEMBERSHIPIn 2019, LECMPA paid over $10 million to its members — union transportation workers just like you. These payments allowed members to protect their families and assets when faced with discipline, dismissal, or even accidental death. LECMPA’s policy includes matching Accidental Death coverage for both you and your beneficiary at no extra charge.* Another benefit of membership is a generous bonus paid to eligible members at retirement under our Loyalty Appreciation Program.
LECMPA is the only job insurer that welcomes union UPS workers and truckers. We have over 1,100 UPS members, and many IAMAW members, so we know about your work environment and potential claims. In 2018 and 2019, LECMPA paid $675,000 in claims to its UPS workers and truckers.
