Child care providers say YES on AB 1981!

Like many of us, I started working as a family child care provider because I care about the children, parents, and families in my life and in my community. Nothing gives me more joy than helping shape and educate the next generation of leaders.

But let’s be honest. The true cost of running a child care program keeps going up while reimbursement rates fall behind. This year, I’m excited about the opportunity to put our collective strength to work by supporting the True Cost of Child Care Act (Assembly Bill 1981), a new bill in the California legislature sponsored by Child Care Providers United.

We all know that it’s increasingly expensive to buy groceries, supplies, insurance, and pay our assistants a fair wage. Transportation costs are skyrocketing, utility bills are as expensive as ever, and many of us are spending more and more hours outside of the workday to clean, prepare meals, and do the paperwork necessary to keep our child care programs running. That’s to say nothing of the fact that we aren’t earning fair pay to begin with.

When we talk about the true cost of care, this is the reality we need people to understand. 

I’ve seen too many providers forced to close and reopen their doors, fewer early educators entering the profession, and working parents struggling to find quality care for their children as a result of our low pay. This year, we have a chance to change that. 

Child Care Providers United is proud to be working with California Assembly Majority Leader Cecilia Aguiar-Curry on this important bill, which will implement a new and improved system for setting subsidy rates based on the real cost of providing care. You can learn more about problems with the current rate structure and what achieving the true cost of care could look like in this resource from the California Budget and Policy Center.

Together, providers have a track record of fighting and winning increased pay and improved benefits through our union. Stay tuned for details and next steps on how you can spread the word and help us pass AB 1981

In unity,

Claudia Alvarado - Hollister, CA

Las y los proveedores de cuidado infantil dicen sí a la AB 1981

Como muchas de nosotras, empecé a trabajar como proveedora de cuidado infantil familiar porque me importan los niños, los padres y las familias de mi vida y de mi comunidad. Nada me da más alegría que ayudar a formar y educar a la próxima generación de líderes.

Pero seamos sinceros. El verdadero coste de gestionar un programa de cuidado infantil sigue aumentando mientras las tarifas de reembolso se quedan atrás. Este año, me entusiasma la oportunidad de poner en práctica nuestra fuerza colectiva apoyando la Ley del Verdadero Coste de Proveer Cuidado Infantil (Proyecto de Ley de la Asamblea 1981), un nuevo proyecto de ley en la legislatura de California patrocinado por Child Care Providers United.

Todos sabemos que cada vez es más caro comprar comida, suministros, seguros y pagar a nuestros asistentes un salario justo. Los costes de transporte se disparan, las facturas de los servicios siguen siendo tan caras como siempre, y muchas de nosotras dedicamos cada vez más horas fuera de la jornada laboral a limpiar, preparar comidas y hacer el papeleo necesario para mantener en funcionamiento nuestros programas de cuidado infantil. Y eso sin mencionar que no estamos ganando un salario justo desde el principio.

Cuando hablamos del verdadero coste de proveer cuidado, esta es la realidad que necesitamos que la gente entienda.

He visto a demasiadas proveedoras obligadas a cerrar y reabrir sus puertas, menos educadoras tempranas que entran en la profesión y padres trabajadores que luchan por encontrar un cuidado de calidad para sus hijos debido a nuestro bajo salario. Este año, tenemos la oportunidad de cambiar eso.

Child Care Providers United se enorgullece de trabajar con la líder de la mayoría en la Asamblea de California, Cecilia Aguiar-Curry, en este importante proyecto de ley, que implementará un sistema nuevo y mejorado para establecer tarifas de subsidios basadas en el coste real de proveer cuidado. Puedes aprender más sobre los problemas con la estructura actual de tarifas y cómo podría ser alcanzar el verdadero coste de proveer cuidado en este recurso del Centro de Políticas y Presupuesto de California.

Juntas, las proveedoras tienen un historial de luchar y ganar aumentos salariales y mejores beneficios a través de nuestro sindicato. ¡Permanece atenta para más detalles y los siguientes pasos sobre cómo puedes difundir la palabra y ayudarnos a aprobar el AB 1981!

En unidad,

Claudia Alvarado - Hollister, CA

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) or PRC@ccpuca.org.

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) or PRC@ccpuca.org.

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 or email at PRC@ccpuca.org.

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.