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Home > Introduction to the AFM-EPF

Introduction to the AFM-EPF

The American Federation of Musicians and Employers' Pension Fund, or simply the Fund, is a trust fund established to provide you with a pension benefit for your retirement years. This pension benefit is in addition to Social Security or any other sources of income you may have during those years. The details of the rules and regulations of the Fund’s plan of benefits are included in a document called the American Federation of Musicians and Employers' Pension Plan and other related documents, collectively referred to as the Plan.

You may have in your possession a booklet, the Summary Plan Description (SPD), which highlights the Plan's key features and helps you understand how the Plan works. This website is an additional tool to augment your knowledge and understanding of the rules of the Plan. Please remember that the SPD and the website are not full statements of every term of the Plan and that neither the SPD nor this website replaces or amends the Plan. The complete text of the Plan, as amended and restated effective as of June 1, 2010 (with subsequent amendments) and the Fund’s Agreement and Declaration of Trust (Trust), as amended and restated effective as of April 1, 2005 (with subsequent amendments) are available on this website. This website will be updated periodically (although you should keep in mind that there may be a lag period between when the Plan or Trust is amended and when the formal amendments are posted on the website).

If anything on the website is inconsistent with the SPD, Trust, or Plan or is only partially discussed, the terms of the SPD, Plan and Trust will control. Thus, while the website may be a useful tool, you should always confirm information by looking in the official Plan documents.

This website is designed to provide easy access to the detailed information you need to help you plan for your retirement. Feel free to browse through all the pages, or go to the Navigation Bar at the left and click on the link that most closely describes the information you are seeking.

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