Raleigh, NC ? Local music heroes will pay musical tribute to talented multi-instrumentalist Drew Glackin. The concerts take place at The Pour House Music Hall on Saturday, May 3, and Sadlack?s Heroes on Sunday, May 4.Glackin, who passed away in January, was a member of alt-country legends The Silos. In the course of a fruitful career, he also recorded or toured with Tandy, Gingersol, Susan Tedeschi, The Hold Steady and Chris Mills, among others. Like so many musicians, Glackin lacked health insurance. This not only prevented early detection of the thyroid condition that lead to his untimely death, but also resulted in a considerable financial burden for his family. The concerts also benefit Future of Music Coalition?s Health Insurance Navigation Tool, or HINT ? a free, musician-friendly service that offers artists the chance to examine their health insurance options with experts who are also musicians. read more
Are you a musician without health insurance? You’re not alone. As musicians ourselves we know there are significant hurdles to obtaining health insurance, especially if you’re trying to make a career as a musician. HINT is here to help musicians overcome some of the hurdles that make getting health insurance such a difficult task by a) explaining the essential parts of health insurance and b) giving musicians access to advice about where to start the process of obtaining insurance. Let’s start with a review of seven paths to health insurance that musicians could pursue in the US. read more
Are you a musician without health insurance? You’re not alone. As musicians ourselves we know there are significant hurdles to obtaining health insurance, especially if you’re trying to make a career as a musician. In 2002 we conducted an online survey to ask musicians about health insurance. Of the 2,700 folks who answered the survey, 44 percent did NOT have health insurance. This is much higher than the national average of the uninsured, which hovers around 18 percent.
As musicians we know that one of the key reasons artists stop working
as artists is because they get to a time in their life where they
admit to themselves that they need health insurance. Because
they think they can’t afford it themselves, or because they
have a pre-existing condition that makes them uninsurable, many a
talented songwriter has been dragged off the stage and into the cubicle
of a corporation that offers group benefits to employees.
There are, however, some artists that keep one foot on the road
and one foot in retail. As part of the HINT project, we are collecting
information about companies that offer what we consider to be laudable
health insurance services for their employees as well as the flexibility
to give musicians the time they need to record, perform and tour. read more
For those of us who are fortunate enough to have health insurance, it’s usually provided by our employer, or by our parent’s employer. But what if you leave that company to pursue your musical dream? There are ways to engage in the health insurance system that ensure that you have coverage when you need it most, without breaking the bank. This article outlines the importance of understanding “stop loss”: the most you would to have to pay out-of-pocket in a year. read more
In a May 2003 agreement brokered by AFTRA, the nation’s four major record labels and approximately 1,200 of their subsidiary labels agreed to make health benefits available for all artists on their rosters. The centerpiece of the agreement is an innovative structure that guarantees access to health insurance under the AFTRA Health Plan to all AFTRA covered royalty artists under exclusive contract to a label. Visit this page to learn more about this agreement, which was re-ratified in May 2008, and whether you qualify for coverage.
In a September 2003 agreement brokered by AFTRA, the nation’s four major record labels and approximately 1,200 of their subsidiary labels agreed to make health benefits available for all artists on their rosters. read more
A Health Savings Account - HSA - is a new financial strategy that allows an insured person to save money in a tax-free account that can be used to pay for future health costs. It was designed to keep health care premiums down by passing some of the risk of a plan, and therefore some of the costs, to the consumer. read more