Benefits for Union Members


The American Federation of Musicians’ and Employers’ Pension Fund is one of the largest pension funds in the entertainment industry, with more than a half billion dollars in assets.  Every year millions of dollars are paid out to participating musicians.  For detailed information and an application, visit  You can also download a summary plan description, which highlights the plan’s features and helps you understand how the plan works.


As a professional musician, you depend upon your instruments and equipment.  Just think of the exorbitant costs of replacing equipment if it is lost or damaged.  Most homeowner’s and renter’s insurance is not enough to protect from loss, theft or damage on location.  Thus, the AFM provides access to the “All-Risk” Musician Instrument and Equipment Insurance Plan. Your instruments and music-related equipment are protected from vandalism, breakage, water, fire, lightening and theft up to the full replacement value.  

AFM members are protected if they are injured during a performance by signing up for the Musician’s Liability Insurance.  This policy provides up to $1 million for each occurrence and up to $2 million of aggregate coverage for lawsuits arising out of bodily injury and/or damage to property for others, occurring on or off premises during your performance.

AFM also offers a number of other low-cost insurance options including:

        Accidental death and dismemberment
        Cancer care protection
        Catastrophic major medical
        Disability income plan
        Group term life
        Hospital indemnity plan
        Major medical insurance plans
        Short term medical insurance


Deals and Discounts

As a union member, you are entitled to all the benefits offered by Union Plus, including bargains for the home, savings on prescription drugs and other health costs, auto insurance, legal services, discounts on computers and technology, as well as discounts on travel and recreation.  

You are also eligible for an AFL-CIO endorsed credit card, with an average rate 2 percent below the national average, no annual fee, and a unique, valuable Member Advocacy Program.

For more information, please visit Union Plus at