TMA Member Benefits, Services and Discounts

Please find information on the following TMA Member Benefits, Services and Discounts Below

Core Services

Member Assistance

Insurance and Other Group Discounts

Collectively Negotiated and Promulgated Agreements

TMA149 and its parent unions CFM and AFM spend the largest portion of their time and resources negotiating, promulgating and defending agreements with producers, venues, and engagers in the live and recorded music and the general entertainment and media sphere.  When a TMA149 member works at, or for, a producer, venue or engager that is a signatory to an agreement with TMA149, CFM or AFM that memebr will receive the minimum fees and benefits negotiated with that producer, venue or engager.  Minimum scales are just that an members may negotiate above, but in many areas these minimum fees are above what non-signatory producers would provide.

Benefits that are often if not always negotiated include:

  • Minimum fees for performing, recording, arranging, copying
  • Minimum fees for performing or recording on more than one instrument (doubling)
  • Minimum fees for performing or recording electronic instruments
  • Minimum fees for the re-use and new use of recorded material
  • Pension Payments
  • Work Hours
  • Breaks
  • Health & Safety Provisions
  • Anti-Discrimination and Anti-Harassment Measure

To see all TMA149 negotiated and promulgated agreements please go to:

To see all CFM negotiated and promulgated agreements please go to:

To see all AFM negotiated and promulgated agreements please go to:

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.

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:

200 Yorkland Blvd, Ste 605, Toronto, ON  M2J 5C1
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.

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

TMA Member Sick Pay from the Health, Education and Welfare Fund

TMA Members that are temporarily unable work as professional musicians due to illness or injury are eligible to apply for six (6) weeks of sick pay, a nominal stipend of support from TMA's Health, Education, and Welfare Fund.  Applications may be submitted to Dawn Rodriques, Administrative Manager OR Rebecca Sinnaeve, Clerk,  at the following email addresses:

If approved for step two members will be required to submit a signed doctor's note.  In exceptional circumstances, members may apply to the Board of Directors for a six-week extension of Sick Pay for a total of 12 weeks. Beyond 12 weeks, members may seek support from the Members' Assistance Fund. The stipend as of August 2017 is $75 per week.  

TMA Member Assistance Fund

After receiving twelve weeks of Sick Pay from the TMA's Health, Education and Welfare Fund, a member may apply for help from the Member Assistance Fund.

The Member Assistance Fund (MAF) is a short-term emergency fund that assists members of the Toronto Musicians’ Association in good standing that are experiencing long-term illness or extreme financial hardship as a result of the illness. The Fund is administered and distributed by the MAF Committee.  Applications (doctor's certificate and a letter outlining circumstances and support requested) may be submitted to Dr. Rea Beaumont, Chair of the Member Assistance Fund.:

In general support from this fund does not exceed $75 per week for six weeks.

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

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:

 Instrument, Equipment & Liability 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 $1,000 in coverage, if you need to rent instruments or equipment in the event of a loss.
  • $100 deductible.
  • Commercial General Liability including bodily injury, personal injury, property damage, medical payments, tenants legal liability, advertising injury, and non-owned automobile.
  • Up to $2,500 coverage on promotional material, t-shirts, CD's, posters, etc.
  • Loss of earnings up to $5,000 due to loss or damage to venue.
  • Loss of earnings up to $5,000 due to loss or damage to equipment


  • $2 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 members 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

Life, Funeral, Disability, Accidental Death & Dismemberment Insurance

Though our partner AIL (American Income Life Insurance Company) we offer Life & Disability insurance options and all members are automatically covered for a $4,000 AD&D benefit.

For all options see:

Reheasal Space, Fitness, Rental Car, and Other Group Discounts

Goodlife Fitness

You can register for GoodLife Fitness Group Membership at:

 Select Canadian Federation of Musicians in the dropdown menu, then enter your AFM membership number (which is found in your AFM online portal or from your Local office).

Significant savings off regular GoodLife Fitness membership rates

  • Access to over 250 GoodLife Fitness Clubs across Canada and 30 Energie Cardio Clubs in Quebec
  • Corporate rate extended to 4 additional family members
  • State-of-the-art cardio equipment
  • All free weights and weight machines
  • World-renowned Group Fitness classes
  • Professionally trained staff to assist you in achieving your goals
  • Towel Service (where available, except Energie Cardio)
  • Child minding (where available at an additional fee)
  • Seeking a health or fitness assessment? Ask the club about a LifeChanger
  • 24 hour locations (select clubs only)
  • Access to the GoodLife Fitness Rewards Program - savings and special offers from over 100 popular brands
  • Visit us online for a complete list of club locations and amenities. 

Optical Thirty8

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.


Latest Tweets

Nov 28
Congratulations to @TMA149 @cfmusicians @MusiciansUnion members @DanielCaesar and @iamjanebunnett for their #GrammyNomination 's !
Oct 27
Help make it happen for Secure the future of the Sears Drama Festival! via @indiegogo
Oct 23
An important article for all @TMA149 @cfmusicians @MusiciansUnion members.
Oct 18
We are devastated along with the rest of Canada to say goodbye to Gord @cfmusicians @MusiciansUnion member for life
Oct 04
Thank-you to @NTSofCanada , but especially fellow arts union @IATSE @IATSECANADA for keeping @SearsDramaFest going !
Sep 21
RT @CBCToronto: New Regent Park project aims to help house struggling musicians:
Sep 20
Opportunity knocks.TMA looking 4 a new high energy team member dedicated 2 bettering musicians working conditions
Sep 19
7th workshop is happening today 6-9pm at Aki Studios! Come and learn about organizations who hire musicians #mymusic150 #music
Sep 16
We'll be chatting with cool musicians today about freelancing in Toronto from 1 - 4, and bring a friend!#TorontoMusicians #MyMuslc150
Sep 15
Come hang with us tomorrow at the Canadian Music Centre 1-4pm learn about music freelancing! Bring a friend.#MyMusic150 #Toronto
Sep 10
Come by Pickering Learning Centre across from Pickering Go station for today's event from 1:30 - 4:30 #MyMusic150 #Toronto
Sep 04
Happy Labour Day! Performing together and negotiating together keeps us together.
Aug 25
1. Toronto Musicians’ Association rejects the shameful messages put forth by Sheraton Caldwell Orchestra.
Aug 18
Follow this link for video registrations : #torontomusic #ontario150 #music #musicians #worldmusic
Aug 18
Reminder for MyMusic150+ participants to send in video applications by 5pm today - Takes two minutes to show us what you're all about! 😎
Aug 15
Meet the movers and shakers of your generation, discuss artistic responses to current social issues #mymusic150 #torontomusicians #music
Aug 15
Feeling the need for social change? Musicians 18-35 check out our 4th workshop tomorrow on Creating Social Change Through Music #mymusic150
Aug 10
And remember to register at on our main website. to be considered for a travel refund #MyMusic150 #Ontario150
Aug 10
If you missed the boat but want to catch the next one: August 16th 2-5pm Port Credit Library!See you on the Go Train #MyMusic150 #Music
Aug 10
Brains are still buzzing from yesterday's workshop @ City Hall. Gr8 content + great questions from our guests #MyMusic150 #TorontoMusicians
Jul 31
Never to early to mark your calendar. TMA Fall General Meeting Oct. 27@City Hall details on upcoming visit
Jul 27
Hey! The next #MM150 #workshop will be August 9, 1-4pm @ City Hall! Invite your friends, and make new ones it's going to be a great one.
Jul 26
We're working hard confirming details for workshop 3! In the meantime, sign up to be featured in our documentaries. it's a paid! #music
Jul 26
Attn - TMA Members: Local 149 be taking to the streets Sept. 5, 2017 to march in the annual Labour Day Parade
Jul 25
Visit for more info on how to be reimbursed for your travel to MyMusic150 #canada150 #mymusic150 #torontomusicians
Jul 25
Did you know we help with travel? More information here #canada150
Jul 25
Toronto, ON - New Musicians Local Tariff of Fees set to take effect September 5, 2017. For further details visit:
Jul 19
Registration is still open for MyMusic150+ Only 6 workshops left! Check the website for updates
Jul 11
Why did the student throw books at the librarian? - - - - - - - - - - - - - - - - - - - - - Because he wanted to facebook him #MyMusic150
Jul 11
Why did the librarian slip and fall in the library? - - Because she strayed into the non friction section @torontolibrary
Jul 11
In its honor we have some Tuesday entertainment coming your way - ready to laugh or sigh #Canada150 #MyMusic150 #Music #TorontoMusicians
Jul 11
We're on a library theme this week for our 2nd workshop at Northern District Library @torontolibrary @canada150 @MyMusic150#TorontoMusic
Jul 10
Paid video opportunity! for musicians 18-35 link here: #canada150 #torontomusicians
Jul 10
Happy Monday, it's the music funding workshop week! This Wednesday 1-4pm. We're almost halfway through July!#Canada150 #TorontoMusic
Jul 06
Our second workshop will feature guests from Canada’s top funding organizations! Come meet them at our 2nd workshop on July 12 #MyMusic150
Jul 06
Register and find out more info about MyMusic150 on our main website #Canada150 #Music #TorontoMusicians
Jul 06
Funding is the best part of a project! Learn where to apply for it at our second workshop on Wednesday, July 12th #Canada150 #MyMusic150
Jul 05
Head to to apply for a role in our mini-doc. Musicians are paid pretty excited to put you on film #MyMusic150
Jul 05
It was great hearing from everyone at last week's event, g8 questions, and comments! Huge thanks to the speakers #MyMusic150 #Canada150
Jul 01
Happy Canada Day !
Jun 29
Hot drinks and great company today at 2! Our first MyMusic150+ workshop at The CSI, Annex #MyMusic150 #TorontoMusicians #Canada150