Member Benefits, Services and Discounts

Musicians' Pension Fund of Canada

When a musician uses a TMA149 or CFM/AFM negotiated agreement or when they use a TMA149 Live Performance Contract for Canada the purchaser or engager is compelled, in addition to their fees, to contribute to their pension fund.  Musicians can be vested in as little as two years woth regular contract work.

Contact the Pesnion Fund to find if you already have contributions in your name, or to set up your file:

255 Sheppard Avenue East, Suite A110 , North York, Ontario M2J 4Y1 
Telephone: 416.497.4702
Toll Free: 1.888.462.6666
Fax: 416.497.4742

Ellen M. Versteeg-Lytwyn

About The Pension Fund

Read about the Musicians' Pension Fund of Canada - Visit the website:

How to make AFM-EPW Pension contributions:

  1.  Use the LPCC (Live Performance Contract for Canada). lpcc_tma.doc
  2. Fill in the accompanying LPCC-Pen and have the Purchaser/Employer sign to enable you to make a pension contribution on her/his behalf. * Registered Canada Pension plans are "Employer" Plans, requiring employers to make contributions on behalf of employees. However, The LPCC-Pen allows you to make pension contributions on behalf of your employer.
  3. Submit both contracts to the AFM local office with a cheque for your contribution (up to 12% of scale).


These are the files you will need if you plan to contribute to your pension fund.

You'll probably want to use the TMA customized version of the contract but just in case, here's a standard AFM contract for use in any AFM Local.

The same files in PDF format:


Health & Dental Insurance

Manulife Financial

 Customizable health and dental plans are available to AFM members through Manulife Financial in collaboration with HUB International. In addition to health and dental benefits, all plans include coverage for vision care, accidental death and dismemberment, registered specialists, and much more. To get more information about the various options, get a quote, and apply for a plan, follow the link below: 


Legal & Contract Defence

When a TMA149 member performs under a TMA149 or CFM/AFM negotiated agreement or when they use a TMA149 Live Performance Contract for Canada has the responsibility to defend the member's interest when that contract is breached, such as when payment is not made.  Further, in many cases the collective Contract Defence Fund will pay basic fees in lieu of the amount not paid until the breach's resolution.

Professional musicians know there's nothing like getting paid for a gig. The American Federation of Musicians and its Locals have negotiated collective bargaining agreements with a wide variety of employers, such as the major recording companies, symphony orchestra managements, and others, to insure that musicians get paid for playing those types of jobs.

But not all gigs fall under those categories. Many performances, like those in clubs, stage shows, and for private parties, etc., are negotiated directly between the musician and the purchaser. Unfortunately, some professionals risk their wages by not filing signed contract forms--and without a contract on file with the Local where the performance is taking place, there's little your Local or the Federation can do to get you your hard-earned money in case you get stiffed. Standard AFM contract forms are easy to complete, requiring only such information as the date(s) of the engagement, the number of musicians playing the job, the name, address and telephone number of both the signatory musician and the purchaser, the type of engagement, the compensation agreed upon, and the signatures of both parties.

It's also smart to include language in the contract that determines how disputes over the terms and conditions of employment will be resolved. (Using most standard AFM contracts takes care of this for you.) This gives both you and the purchaser greater security because if for some reason the contracted engagement doesn't meet everyone's satisfaction an equitable mechanism for resolving the problem is already in place. In addition, the AFM recommends that whenever possible, members get a 50 percent, non-refundable deposit. Under current consumer law, all deposits must be returned to the purchaser in the event of a dispute, unless it has been previously stipulated that the deposit is non-refundable. Once completed and filed, the contract has the force of law and the AFM behind it. If for some reason the purchaser fails to meet the terms agreed to in the contract, the AFM or the Local will make every effort possible to pursue monies owed to its members, including taking the purchaser to court, in certain circumstances.

Music Performance Trust Fund

The goal of the Music Performance Trust Fund (MPTF) is to present live musical performances of the best quality in an effort to increase public knowledge, understanding and enjoyment of live music. The MPTF is funded by the Recording Industries of North America and is independent of the American Federation of Musicians. The MPTF subsidizes concerts and educational performances that are "Free and open to the public". The MPTF does not provide assistance for fundraising, political, religious or charitable events. Possible venues include: 
               Schools (Public & Private)        Community Centres
               City Squares                              Arts Festivals
               Shopping Malls                         Seniors & Veterans Homes
               Outdoor Stages                          Parks
               Hospitals                                   Street Festivals
               Parades                                      Canada Day Events Requests for co-funding should be submitted to the MPTF committee a minimum of six (6) weeks prior to the performance(s). Requests can be made by the musician(s) or the sponsoring organization. The Toronto Musicians’ Association (TMA) will submit your request to the MPTF office in New York City for review and will notify us if it has been approved. The subsidy from the MPTF is based on the TMA Tariff of fees pertaining to Miscellaneous scale for a three-hour call plus pension and HST. The percentage of co-funding depends on the type of performance:
           30% - general concerts
           40% - hospital, veterans & nursing home performances
           50% - school/educational performances The Co-Sponsor is required to pay the total cost to the band leader on the day of the performance. MPTF will send a cheque for the subsidy to the co-sponsor following the concert. The leader will file a contract with the local and make the payments to the side musicians as well as work dues and pension. The Co-Sponsor will pay a 3% administration fee to the TMA to cover the cost of administering this programme. The MPTF Committee will assist with all the paperwork. The following credit line must be read at all MPTF performances:
The music for this performance is funded by the Recording Industries Music Performance Trust Fund and _____________ (co-sponsor), in cooperation with Local 149, Toronto, American Federation of Musicians. MPTF performances all over North America are posted on their Facebook page. Get additional guidelines and history at:
For more information, contact: Jay Boehmer
(416) 421-1020 x230

P2 Work Permits for Performing in the U.S.A and Immigration Support

The Canadian Office of the CFM / AFM, TMA149's parent union, is a recognized petitioner for P2 Visas and offers other immirgration support.

 Please visit the following link for work permit information and to download VISA applications.

 Instrument & Equipment Insurance


HUB International & ING

Download an Application for Musicians Insurance (pdf)


  • All Risks coverage on your instruments and equipment.
  • Worldwide coverage.
  • Rental reimbursement - Up to $10,000 in coverage, if you need to rent instruments or equipment in the event of a loss.
  • $100 deductible.
  • Commercial General Liability including bodily injury, property damage, medical payments, tenants legal liability and non-owned automobile.
  • Loss of earnings up to $5,000 due to loss or damage to venue.
  • Up to $2,500 coverage on promotional material, t-shirts, CD's, posters, etc.
  • Up to $5,000 loss of earnings due to loss or damage to equipment


  • $2.00 rate per $100 sum insured for Instruments and Equipment
  • Liability rates ($500 deductible)
  • $1,000,000 limit - $50 per member
  • $2,000,000 limit - $100 per member

(Higher limits available upon request)

For more info, please contact:

Hub International
Amy Armstrong
3063 Walker Road
Windsor, Ontario
N8W 3R4
Tel: 519.972.7500x287
Fax: 519.966.6177
Toll Free: 1.800.563.9441

Home, Auto, Pet and Travel Insurance

In partnership with ThePersonal TMA149 memebrs can obtain high quality home, auto, pet and travel insurance, including insurance while working on tour, from a leading insurance provider underwritten by Desjardins INsurance Group.  Please visit the following links:

Home and Auto Insurance

Pet Insurance

Travel Insurance

More Group Discounts

Optical Thirty8 welcomes all members of TMA149 to enjoy $150 off any purchase of prescription eyeglasses or 30% off designer frames, whichever discount is greatest. 10% off contact lens purchases as well! Eye examinations are available on-site for $75 and Insurance receipts provided. 

4 Toronto locations:

Rehearsal Factory

50% discount on rehearsal space before 6 pm, Monday to Friday 
6 locations in the GTA 
(416) 366-1525

Long & McQuade Musical Instruments

15% on sheet music & books. 
$10 rental discount coupon (one per member) available at General Meetings & the TMA Office (8 Toronto Locations and Oshawa)

CAA The Canadian Automobile Association

Information and applications are available at the TMA office or by email.

Avis (vehicle rental)

Quote Avis Worldwide Discount Number: C287600.
Company: Toronto Musicians’ Association 
(discount varies by time & location)

Dave Snider Music Centre Ltd.

3225 Yonge St. 15% discount. (416) 483-5825

Freeman Formal Wear

All locations in the Toronto area. 10% discount on purchases only.


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