Yolanda Thomas in her child care

Taking away health benefits would undo years of progress for child care providers

Do you know what it’s like to grow up in a family that wasn’t able to afford health insurance? To become an adult with a successful and fulfilling job and still not be able to afford insurance for yourself or your own children? It’s traumatic. You live in fear of a broken bone, a sprained ankle or a serious illness. It weighs on you, which creates stress, which can lead to more health issues. You’re caught in a vicious cycle. 

That’s why the state’s proposal to eliminate the health benefits CCPU fought so hard to win is particularly offensive. As a child care provider, I’ve spent my career supporting, educating and loving every child that’s walked through my doors. But at the same time, I was caught in a bind, making too much money to qualify for insurance assistance programs, but not enough to afford buying it on my own. And so I was stuck. For 18 years I lived constantly on edge, worried the cost of a surprise visit to the emergency room would result in financial ruin.

I remember spending hours looking up free clinics that would provide my kids with the necessary screenings and check-ups that all children need. I’d get everyone up and out of the house at the crack of dawn to make sure we were first in line, only to be met with 40 to 50 other parents who had the same idea and managed to get there just a bit before me. Sometimes we got lucky and were able to receive the treatment we’d hoped for. Sometimes the spots were already filled, and we walked away without care, filled with even more worry. I did this for 18 years.

So you can understand the relief and excitement when I learned I’d be able to get health care through CCPU. It was too late for my kids, they’ve grown up and are on their own. But it was just in time for me. I had insurance when I had a breast cancer scare. I felt confident I could afford any treatment I might need. For once, I could focus on my health and not on whether getting better was going to bankrupt me. For once, I felt like I could breathe.

And now the state wants to take that away. They want to take it away at the same time Medi-Cal is under attack by the Republicans in Congress and the Trump Administration. They want to take it away even though 20 percent of providers were uninsured prior to the creation of our healthcare fund. They want to take it away even after the progress we’ve made in getting hundreds of providers coverage and thousands more affordable health care they actually use. I can not go back to worrying that every ailment, whether big or small, can snowball into a medical bill I can’t handle. I’ve worked too hard and come too far to go back now. If my story resonates with you, I encourage you to reach out to our negotiation team members and share your own experience. We won’t let the state take us backwards. We will continue to fight for the benefits we deserve, and we will win.

Yolanda Thomas

Child Care Provider in Contra Costa County

Member of CCPU’s 2025/25 Bargaining Team

Access your portal

Step 1

Go to portal site.

STEP 2

Click “Create Account.”

step 3

Complete the following fields, using the information provided in the benefits letter you received.

  • User Type: Member
  • Email: Enter your email address and confirm your email
  • First and Last Name: Enter your first and last name
  • SSN/SIN: Enter the last 4 digits of the Retirement Identification Number you received from your benefits letter. Do not enter the last 4 digits of your Social Security number.
  • Date of Birth: Enter your actual date of birth. If this doesn’t work, then enter the temporary date of birth from your benefits letter.
  • Zip Code/Postal Code: Enter the zip code exactly as written on your benefits letter
step 4

Click “Next” and the following screen displays

Enter the password, and three Security Questions and answers, and select the Terms of Use and Privacy Policy checkbox.

step 5

Click Finish, the account is created, and you are returned to the initial screen (see following screen example)

You will also receive an access code which will be sent to the email that you entered when you created your account. Note: Each time you log in from a new computer/device, you must enter a new access code.

step 6

From the initial screen, enter the email address you used to set up your account and password, and click Login

step 7

Enter the access code you received in your email to access the Dashboard screen

If you have any questions, or would like assistance registering your portal, call our CCPU Provider Resource Center at (888) 583-CCPU (2278).

Info Sessions Recordings:

July 9 CCPU Retirement Fund Info Session

July 18 CCPU Retirement Fund Info Session

Frequently Asked Questions

Find answers to common questions in the FAQ section below.

Are the benefits from the Retirement Plan taxable income to me?

The State contributions to your Retirement Plan account are not taxable to you until you receive a distribution. There may be distributions options to defer those taxes.

When can I sign up for the Retirement Fund and where can I learn more?

Eligible providers are automatically enrolled in the retirement fund. However, the administrator, Zenith American Solutions, will ask eligible providers to update necessary information. It is important to provide this information so that your records are accurate, and to avoid delays accessing your account.



If you believe you are eligible, but have not received this mail, you may contact the CCPU Provider Resource Center for assistance at (888) 583-CCPU (2278).

Have more questions?

If you have additional questions, you can call the CCPU Provider Resource Center at 888-583-CCPU (2278) from 9am to 5pm Monday-Friday.

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 from funding won through the CCPU collective bargaining agreement. The Plan does not accept contributions from you.
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 paid for state subsidized child care for 9 consecutive months at any age (“terminate from service”);
  • You stop all work as a licensed provider paid for state subsidized child care 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?

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?

If you are eligible, the Plan will automatically enroll you based on data received by the State of California. You should immediately update your information with the Plan so it has has all of your current information and you receive credit for your years of licensed work.