Tentative Agreement Will Help Keep Providers’ Doors Open

By: Dora Gonzalez North, Long Beach

I care for 14 children at my home child care in North Long Beach, six of whom have special needs. That’s a lot to take on under the best circumstances, but for years it’s been made even more difficult by the lack of support child care providers have seen from the state.  

For years, the state’s low reimbursement rates have left me facing financial uncertainty. I’ve done the best I can. I keep meticulous records and count every penny. But after paying my staff and covering the costs of running my business, I’m often a month behind on my bills and left completely unable to pay myself. I frequently turn to my credit card to get by until I have the cash to pay it off, watching myself fall more behind every month. I hear people say they live paycheck to paycheck but this is even worse and it’s becoming unsustainable.

My community relies on me to take care of their children. My families are often headed by single parents with low-incomes. If I wasn’t here to provide child care, those families would potentially lose their jobs and even their homes. My three assistants and I do the best we can, but with six special needs children, I know we could be providing so much more support. These children need one-on-one attention and caregivers with specialized training. My current financial situation doesn’t allow me to hire the additional assistants or send them to more specialized training. 

And these families don’t have anywhere else to turn – the centers in my area can’t provide the highly specialized care these special needs children require – from visits from speech language therapists to soothing children who become highly reactive. I’m proud to provide this care but I want to do better.

This is why I will be voting YES on our tentative agreement with the state. It protects the benefits we fought for and won and includes a one time stabilization payment and cost-of-living increase that will help providers like me catch up with our bills. And most importantly for me, it gives us a clear path forward to reach the full cost of care the state promised us. I am proud to keep my doors open knowing that the state is committed to investing further in our workforce and know that one day soon, I won’t feel my heart racing when my bills come due.

El acuerdo tentativo ayudará a mantener abiertas las puertas de los proveedoras

Por: Dora Gonzalez North, Long Beach

Cuido a 14 niños en mi hogar de cuidado infantil en North Long Beach, seis de los cuales tienen necesidades especiales. Eso es mucho para asumir en las mejores circunstancias, pero durante años se ha hecho aún más difícil por la falta de apoyo que las proveedoras de cuidado infantil han visto del estado. 

Durante años, las bajas tasas de reembolso del estado me han dejado enfrentando incertidumbre financiera. He hecho lo mejor que puedo. Guardo registros meticulosos y cuento cada centavo. Pero después de pagar a mi personal y cubrir los costos de administrar mi negocio, a menudo estoy un mes atrasado en mis facturas y me quedo completamente incapaz de pagarme a mí misma. Con frecuencia recurro a mi tarjeta de crédito para sobrevivir hasta que tenga el efectivo para pagarlo, mirándome a mí misma quedarme más atrás cada mes. Escucho a la gente decir que viven de cheque a cheque, pero esto es aún peor y se está volviendo insostenible.

Mi comunidad confía en mí para cuidar de sus hijos. Mis familias a menudo están encabezadas por padres solteros con bajos ingresos. Si yo no estuviera aquí para proveer cuidado infantil, esas familias podrían perder sus empleos e incluso sus hogares. Mis tres asistentes y yo hacemos lo mejor que podemos, pero con seis niños con necesidades especiales, sé que podríamos estar brindando mucho más apoyo. Estos niños necesitan atención individual y cuidadores con capacitación especializada. Mi situación financiera actual no me permite contratar a los asistentes adicionales o enviarlos a una formación más especializada.

Y estas familias no tienen ningún otro lugar a donde ir – los centros en mi área no pueden proporcionar la atención altamente especializada que requieren estos niños con necesidades especiales – desde visitas de terapeutas del habla y lenguaje hasta niños relajantes que se vuelven altamente reactivos. Estoy orgullosa de proporcionar este cuidado, pero quiero hacerlo mejor.

Por eso votaré SÍ en nuestro acuerdo tentativo con el Estado. Protege los beneficios por los que luchamos y ganamos e incluye un pago de estabilización único y un aumento del costo de vida que ayudará a proveedoras como yo a ponerse al día con nuestras facturas. Y lo más importante para mí, nos da un camino claro hacia adelante para alcanzar el costo total de la atención que el estado nos prometió, incluyendo un aumento del salario por brindar atención a niños con necesidades especiales. Me enorgullece mantener mis puertas abiertas sabiendo que el estado está comprometido a invertir más en nuestra fuerza laboral y sé que un día pronto, no sentiré mi corazón acelerado cuando mis cuentas lleguen. 

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.