We Fight Because

We Care

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Who We Are

Power comes with numbers, and we are many.

Child Care Providers UNITED, or CCPU, brings together California family child care providers to advocate for the future of our profession and the children under our care.
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Our movement gains strength with every voice. We are essential to our economy and our communities. Join us in demanding more rights and more respect for our work.

Joining CCPU

When you join CCPU, you empower a stronger future!

For 20 years, we’ve organized, listened to and fought for family child care providers. Through our collective advocacy, we’ve increased rights and benefits for our family child care providers and families across the state. Together, we can do even more.

Better Pay

Learn about how we’ve increased family care rates.

Professional Development

Learn about our free peer-to-peer and mentorship program for family child care providers.

Access to Child Care for Families

We helped make child care more accessible through subsidies and other support.

Health Care Fund

Find out how you can get free money for medical expenses, plus free vision and dental benefits.

Retirement Fund

You’ve spent a lot of time caring for California’s future. Let our CCPU Retirement Fund care for you.

A Voice in Policy

Work with elected officials to amplify our voice and shape the future of California’s child care system.

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Our Victories

We’re celebrating the impacts of our progress.

Our fight is forward, but part of belonging is taking a moment together to reflect on what we’ve accomplished — for ourselves, our families, and families like ours.

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20%

Rate Increase

$40 million

Training Fund

"

We need more providers to join and join us in solidarity. Because this fight takes a village. No single person can win, we have to win collectively.”

—Keenan Davis, San Pedro
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Connect with other child care professionals to grow our movement.

From rallies in the streets of the capitol to hosting local representatives, we’re looking for ways that enable everyone to participate — because that’s the only way change happens.

We Need your voice

California Child Care Providers Unite

From rallies in the streets of the capitol to hosting local representatives, we’re looking for ways that enable everyone to participate — because that’s the only way change happens.

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WHAT – What benefits does the Retirement Fund expect to offer providers?

Expand the Retirement Fund Benefits Table to see benefits.

 

 Plan Rules
Eligible participants*

You are eligible to participate in the Retirement Plan for a 2024 contribution if you are:

  • A licensed child care provider
  • Who has been paid 6 or more months of child subsidy in the 2023 calendar year (can be non-consecutive months).
Eligibility for benefit credit for contributions in 2024*

You will earn your full service credits for 2023 if you were paid for ten or more months of child subsidy in 2023.

If you were paid for 6 or more months of child subsidy, you will receive 60% of your service credits, 70% for 7 months, 80% for 8 months and 90% for 9 months. You will not earn any service credit if you were paid for less than 6 months.

ContributionsThe only contributions to the Retirement Plan will be paid by the State. The Plan does not accept contributions from you.
Amount of annual employer contributions for 2023 service allocable to participants in 2024*

The amount of the State contribution on your behalf in 2024 will be based on two factors:

(1)  the number of years and months that you held a license as of 12/31/23; AND

(2)  the number of months that you were paid for a subsidized child in 2023.

  • If you were paid for ten or more months, you will receive your full contribution.
  • If you were paid for 6 to 9 months, you will receive a pro-rated contribution.
  • If you were paid for less than 6 months, you will not receive a contribution in 2024.
Amount of annual employer contributions for 2024 service allocable to participants in 2025*You will earn one full service credit for the State contribution on your behalf in 2025 if you were paid for ten or more months of child subsidy in 2024. If you were paid for 6 to 9 months in 2024, you will receive a pro-rated service credit. You will not earn any service credit if you were paid for less than 6 months in 2024.
VestingYou are “vested” in any contribution correctly made to your account. You do not need to work a minimum number of years before 2024 to be entitled to a benefit.
Distribution events

You can elect to receive your account when:

  • You stop all work as a licensed provider for 9 consecutive months at any age (“terminate from service”);
  • You stop all work as a licensed provider for 3 consecutive months at age 60 or older (“retirement”); or
  • You attain age 73, which is the age you are required to start receiving payments, unless you are still working.
Forms of distributions

If you are age 60 or older and stop all work as a licensed provider for 3 consecutive months and elect to retire, you can choose to receive your account balance as:

  • One lump-sum payment
  • Approximately equal monthly payments for 5 years
  • Approximately equal monthly payments for 10 years

If you are younger than age 60 and stop all work as a licensed provider for 9 consecutive months, you can only elect to receive your account as one lump-sum payment.

Death benefitsSince your account is 100% vested, you can designate a beneficiary (or multiple beneficiaries) to receive your account balance if you die before you receive it.
InvestmentsThe Board of Trustees will manage how the Retirement Plan is invested on your behalf, with the assistance of investment professionals.

*Special rules apply to providers where more than one provider is on the payment record.

who

Who is eligible for the Retirement Fund benefits?

State contributions to the Retirement Plan are tied to the child care subsidy program. To be eligible for retirement benefits in 2024, you must be a licensed provider who has have been paid for work with a subsidized child in at least 6 months in 2023-these months do not need to be consecutive. License exempt providers are not eligible; however, if you become licensed in a year, your work in that year may count for eligibility.

when

When will the benefits be available?

State contributions to the Retirement Plan are tied to the child care subsidy program. To be eligible for retirement benefits in 2024, you must be a licensed provider who has have been paid for work with a subsidized child in at least 6 months in 2023-these months do not need to be consecutive. License exempt providers are not eligible; however, if you become licensed in a year, your work in that year may count for eligibility.

how

How can I get help enrolling?

The Plan will automatically enroll you based on the information it has but you should immediately complete the form that the Plan will send you to be sure that the Plan has all of your current information and that you receive credit for your years of licensed work.