Services for Music Teachers
MUSIC TEACHERS CAN JOIN CFM 820 Music Teachers, whether employed by a music studio or teaching independently, can be members of our association. This gives you as a music teacher access to all our services: contracts, insurance, extended health benefits, pension and other CFM services.
MUSIC TEACHERS CAN MAKE PENSION CONTRIBUTIONS We have confirmed with our national pension office that music teachers can use the Musicians' Pension Fund of Canada to accumulate pension contributions as members of our federation.
To generate a pension contribution you would sign a contract with the students you teach (or their parents) and file a copy with the local association. You collect your teaching fee and pass the pension amount on in a separate cheque made out to the Musicians' Pension Fund of Canada. The local association sends the contract and cheque to the national pension office. With each lesson and contribution, your total pension amount will increase. Pension funds are invested and earn income from year to year. When you retire, you will be able to access these funds as a monthly pension payment.
A teaching contract can cover a month or more of lessons. You can add a pension contribution of 10% of minimum scale fee to the fees you charge for your services. Or you can include the pension amount in your fees. In this way, you can contribute to your national musicians' pension while remaining independent and self-employed.
HELP US DEVELOP OUR MUSIC TEACHING CONTRACT We are currently revising our Music Teaching Contract, and we need input from music teachers regarding the Contract and minimum rates of payment. If you are a music teacher, please download our draft Music Teaching Contract and then email us your comments or suggestions. What also need your suggestions for minimum fees (per hour or lesson) for music instruction.