Financial Core – More About Unions

Hello Folks,

So after I wrote an article about Union Vs. Non-Union one of my readers ( Lisa Junco ) pointed out to me the fact that there was a third option called Financial Core. I had heard the term before but like I said in my previous article that before I started looking into this matter I had very little knowledge of it. Why would I? There is no need or possibility at present for me to be part of these organizations so why waste my money and time.

But for people that this information is relevant to here is a wikipedia page about financial core .

Here is a most interesting exert from that page:

Most significantly, this financial core definition of the minimum union dues required to get and/or keep employment under a compulsory union contract allows objecting union members to withhold that portion of their compulsory union dues that the union spends on any political activities, campaigns or causes. By resigning full constitutional membership in their labor union and declaring themselves financial core workers citing the Beck ruling, financial core members are termed dues-paying-non-members . They keep their union jobs and all union benefits. However, since they are no longer constitutional members of the labor union, they are free from any union internal rules and regulations governing full constitutional members. They can not hold union elected office nor can they even vote on the union contract they support financially. ruling, financial core members are termed

Now Here is the part Relevant to fellow Voice Actors :

The primary impact of the financial core issue has been in the acting industry. By joining the Screen Actors Guild or American Federation of Television and Radio Artists as a financial core member, an actor can pursue work in states such as California, where union membership is a prerequisite to work in the industry. Full members of these unions are prohibited from working non-union jobs, but financial core members are not restricted by the rules of the unions and so may work either union or non-union jobs. When working a union job, they would receive the same benefits as full constitutional members. Similarly, in the Writers Guild of America , financial core members are able to remain working during labor strikes.

But I decided to keep digging and found this doozy of a negative propaganda presentation on the Screen Actors Guild website called:

Get The Facts about Fi-Core :

… surprisingly SAG calls fi-core paying members :

  • Fi-Core/FPNM are viewed as scabs or anti-union by SAG members, directors, and writers—most of whom also belong to entertainment unions

SCAB & Anti-Union

Are you kidding me? Hell if I lived in the states and wanted to be part of a union … I’d also be Fi-Core. What the hell is this name calling bullcrap?

And I kept digging and found this article from the Vox Daily Blog Archive that specifically talks about Fi-Core Voice Over Actors and what they can face.

Here is the link :

and here is the information that I found relevant to VO folk from that post:


Financial Core VS Union : The Real Deal

By Lani Minella

Okay everyone, I’m sure I can tick off a lot of people by opening up this Pandora’s Box, but I really want to clarify a few things which I’m happy to expound upon later if asked.

Financial core = a dues paying “non-member” who’s allowed to do union and non union work.

The only thing they can’t do is vote on union issues and IMHO (in my humble opinion), the union doesn’t ever consider it’s members’ votes anyway.

Yes you can join as Fi-Core even though many union peeps may try to tell you otherwise. It is not true that you have to join as union first and then go fi-core!

Where some agents stand

There has not been a talent agency union franchise agreement in place for over a year and a half. The agents got ticked at the union trying to tell them how to run their offices and denying the agents the ability to earn extra money by either teaching or co-producing projects and as a result, agents have nothing against you being Fi-Core and there’s no stigma involved.

No clients will ever know you are FiCore

That is something the union wants to keep a secret because once it gets out how many people are Core, the union would have No Clout at all. When a client Station 12s the list of talent that will be used on a union project, they submit the talents’ social security numbers and the union responds with either the words “Okay, Must Join, or Taft Hartley” beside each actor’s name. Charlton Heston who once was the president of SAG was Core and there are tons of well-known actors who have gone that route.

Most talents do not know that a client has to pay 60% extra on top of the actual union wage to the payroll company to cover state and federal taxes, the Health and Retirement 14.3% and the 10% agency fee.

These are the union rates for interactive VOs as of 1/1/08:

Up to 3 voices or 4 hour day = $759
Additional voice = $253 per voice
6-10 voices or 6 hour day = $1,518

Here’s a rate not many people know exists: 1 voice/1 hour = $379.50

If you do a cartoon (that’s direct to DVD) you only get the half day rate for the entire full first day. If you work beyond the first day, rates return to the above. Not sure if this is different for cartoons that are aired.

As FiCore, if you work a union gig, your 14.3 % is still paid and goes toward your possibly qualifying to buy your own health coverage. You have to earn a minimum of $15 K a year as a single actor to be able to purchase union health coverage. It’s not free.

If you’re union and considering going FiCore

If you are already union and considering going FiCore, all you have to do is fax or mail your union office a letter stating that effective immediately you are going Financial Core Status and you wish your dues to be adjusted accordingly. You won’t save more than about 90 cents on dues, but after they get your letter, someone will inevitably call you to try and talk you out of your decision.

They will tell you how it could cost you over $1000 to reinstate yourself to full union status (why would you ever need to?) and they will try and tell you how you are hurting the union’s ability to best serve you. That’s BS. As I said, no one will ever know you are FiCore except the union and you. I was full union status for SAG and AFTRA for over 15 years and I went FiCore about 2 years ago. Never a problem.

You have to mail them back your precious membership card (Big deal–go to Kinkos, make a color copy and frame it if it’s so dear to you.)

No one will ever ask to see your card.

If you go to a union job, you are considered union.

Agents can talk freely about FiCore now without thinking a Mobster from the union will slit their throat.

Here are a few issues I have about the union.

It’s supposed to be a national union that we belong to. But instead of facilitating us being hired outside our locale, the union makes a client prove they’ve done an earnest local search for talent and couldn’t find anyone with your qualifications before they are “allowed to bring you into their locale.” Technically with everything being electronic nowadays, this seldom presents an issue, but when it comes to travel fees, it can cost the client more than your performance to pay for your travel anytime you go outside the 30 mile radius from the nearest union office… figured on $139/per hour and 39 cents a gallon for gas. Boy they sure don’t pay well for gas. Anyway, your mileage is figured out using something like MapQuest from your door to the studio’s door.

Being that our union offices in San Diego closed years ago, LA is considered our office. But if we try and get the travel fees we are entitled to as union members, LA clients will either find a local talent or say, “If you want the job… all it pays is scale… take it or leave it.”

Yes the union will fight for you if you tell them to, but you will soon be blackballed in the industry if you do.

So even though we belong to a national union, it’s rather discriminatory as far as making jobs universally user-friendly to actors in different cities.

Same thing goes if you have a problem getting an agent or a problem with the agent you have. The union will follow up on a complaint if you file one, but they will admit that if you stir up things, you’ll soon be on the undesirable list.

I respect anyone who doggedly stays totally union, but I merely wanted to point out some facts which few people know to allow everyone to make up their minds based on truth rather than rumor.

NO one will blackball you if you are FiCore. On the contrary, agents love it when they can send you out on every kind of job. And no clients talk to each other comparing notes about how much they paid a certain actor for different jobs.

I’ve had people think FiCore means we don’t pay dues, but we pay 99.99% of the same dues as every other union member. We don’t save $5 anymore either for belonging to both unions. Membership dues are also increased every time you earn more with each union job.

Here’s the last thing many people don’t know about collecting unemployment from a union job. Just like our normal unemployment works by being cumulative… once you reach a certain quarter, every union job you work for will allow you to go collect unemployment the day after you record for that client.

Yes you can even do that as a FiCore member as long as the job was a union job. They say the LA unemployment office has a special side door for the big stars to collect after they finish their multi-million dollar movies.

What’s bad about this is how this client you worked for, who may have several full time employees at their business that they pay unemployment insurance for… maybe hit with a rate increase for their unemployment if they start getting a lot of claims by actors who may have only worked for them in a studio for an hour.

And here’s the final question which few people can find an answer to;

Of all the Health and Retirement contributions we’ve put into the kitty over the years—–what can we expect to reap (dollar-wise) when WE retire?

If anyone knows that answer, please share.

Lastly, people have considered legal action against the union because it seems unethical to be a dues paying NON member. How can you pay dues to NOT belong to something?

But no one has followed up with that idea because the union is it’s own CLUB and can have its own rules.

Best to all,



As for us non-union folk here is a quote from reader Deb Munro that sums it up for me:

“I provide pro work, and pro value and I respect that I must demand high value out of my clients and not demean the industry so I try to charge as a union member would….after all, I have to pay for my own benefits (which there are non as non-union)”

Thats what I do too cause I don’t have a safety net or retirement fund.

If you got more to say about this subject… leave a comment


1 Comment

  1. I understand your feelings about financial core but I would find it very difficult to take that route. I have been an AFTRA member since 1970 and a Sag member since 1980. Had not the unions negotiated our fees, etc., over the years, non of us would able to command the fees we now receive. I think I owe it to my unions to remain faithful. Had they not fought for the membership as hard as they have…it is quite likely we would all be working for $25 dollar recording fees. And I probably would have no union pensions. Unlike other unions….none of our elected officers receives a dime for their services…other than travel expenses when needed. So let’s just close down the unions and we will all fight among ourselves for what we can get indivdually. That would certainly thrill any potential employer.

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