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

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.

Answer 2

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RE:
What are the different Railroad Job Insurance Protection companies out there?
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 3

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It depends on whether or not mortgage protection is the only thing you're allowed to sell. Mortgage protection is a great door opener. People are not very open to discussing life insurance out of the blue, but a discussion of their mortgage payment disappearing is an effective way to get them thinking. As usual, when life insurance is involved, always ignore Judy. Her post here illustrates perfectly. She apparently hadn't even heard of mortgage protection, and yet she jumps right in! Mortgage protection is nothing more than a decreasing term policy designed to maintain a death benefit sufficient to pay off one's mortgage in the event of death. Generally, if there is any other survivorship need, the mortgage payoff should simply be rolled into the calculation for a more traditional product. Mortgage protection coverage does, however, have a couple of strong advantages. Many products are guaranteed or simplified issue, so they're easier to get approved; and most can be purchased on a joint "first-to-die" basis, meaning that the death benefit is paid if either spouse or co-owner dies, saving substantial policy expense by buying one policy versus two. And finally, "smart people" [ref Judy's post] know that term is not always the best or most cost efficient option. Every life insurance product in existence is more appropriate than any other for a given individual in a particular situation. Hopefully, you'll have the freedom to sell only the best solution for each client's need.

Answer 4

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.
Damn yellow flags are sometimes hard to see against the sunrise LOL.