Resources for Union Members Experiencing Financial Stress During the COVID-19 Pandemic

October 1, 2020

Jay Blumenthal  -  AFM International Secretary-Treasurer

As the already lengthy pandemic continues, we are seeing governmental support come to an end, putting increased financial stress on musicians who are out of work. The Department for Professional Employees, AFL-CIO has put together a resource list that may be helpful to you based on your individual situation.

Health Insurance (Medicaid) and ACA Health Insurance Subsidies

Medicaid is the federal- and state-funded program to provide health insurance for low-income Americans. Eligibility requirements vary by states, and are typically based on income, assets, age, and household size. If you do not qualify for Medicaid, you may qualify for subsidies through the health insurance exchange. It is important to note that income thresholds include non-wage income such as unemployment compensation and retirement account distributions.

Visit www.policygenius.com (https://tinyurl.com/yyulklwc) to find more information about state eligibility requirements and how to apply.

If you have children but do not qualify for Medicaid, they may qualify for CHIP. Visit www.healthcare.gov (https://tinyurl.com/l2yyvmo) to check.

Rent Assistance

Many states and municipalities are funding rental assistance programs to support those impacted by the pandemic. You can use the online map at nlihc.org (https://tinyurl.com/yy5jovfh) to find one in your community.

Food Assistance (SNAP)

The supplemental nutrition assistance program (SNAP—formerly known as food stamps) provides financial support for low-income individuals and families to purchase groceries. Eligibility requirements are similar to Medicaid, however, the size of the benefit can vary.

You can find more information about eligibility for SNAP and applying in your state at www.cbpp.org (https://tinyurl.com/yyetg4oy).

Local Food Banks

Unlike SNAP and other programs, many food banks do not have strict eligibility requirements and will give assistance to any individual or family who has a need. Visit www.feedingamerica.org (https://tinyurl.com/yd4towz3) to find a food bank near you.

Additionally, many social service organizations and religious groups are currently operating temporary food assistance programs.

Assistance with Utility Bills

The Low Income Home Energy Assistance Program (LIHEAP) provides assistance to eligible individuals and families with heating and cooling costs. This program is administered on a state level. Visit www.benefits.gov (https://tinyurl.com/yyk3hzdw) to find contact information for your state’s program.

In addition, many utility companies operate their own internal assistance programs.

Pharmaceutical Assistance Programs

Some states offer programs designed to assist low-income individuals with the costs of pharmaceutical drugs. Some of these programs are limited to seniors, while others are open to beneficiaries of any age. Visit www.medicare.gov (https://tinyurl.com/y54whep7) to see if your state has
a program.

Other Assistance

In addition to the resources listed above, don’t forget about the Actors Fund. If you work in the performing arts, the Actors Fund should not be overlooked. Visit actorsfund.org (https://tinyurl.com/ydhndy2o) for information.

Another resource is the Musicians Foundation that was featured in the International Musician (August 2018 issue, Secretary-Treasurer column, page 5). Visit their website at www.musiciansfoundation.org for more information.

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