One of the most important benefits your job provides you with is the ability to receive pension benefits when you retire. Even though you can collect Social Security at retirement, your retirement years will be more financially secure if you also receive pension benefits.

Under a collective bargaining agreement with the American Federation of Musicians and its local unions (the “Federation”), or other written agreement acceptable to the Board of Trustees, your employer has agreed to make contributions to a pension fund to provide pension benefits to you and other employees working as musicians (or as employees of the American Federation of Musicians or one of its local unions). The name of the fund is the American Federation of Musicians and Employers’ Pension Fund, also referred to as the “Fund.” The Fund is operated by the Board of Trustees, which consists of an equal number of Federation Trustees and Employer Trustees.

You should keep in mind that you are not guaranteed a pension just because a pension fund has been established to which your employer contributes. The Fund has rules about how you begin to participate, how can you earn a right to your pension, how much you might receive and when you can start getting payments, what happens to your pension if you die before or after retirement, and many other issues.

Please visit the AFM and Employers' Pension Fund (AFM-EPF) website for more information. If you have any questions, you may contact the Fund Office at (800) 833-8065 or (212) 284-1200.