Become a Member
Yolanda Thomas in her child care

We can’t keep providing care at a loss

Every day, we create safe, nurturing spaces where children learn, play, and grow. We are the
essential infrastructure that allows parents to go to work, knowing they can rely on us to provide
quality, nurturing care to their children.

We all know the truth, however: California still doesn’t pay child care providers anywhere near
what it actually costs us to do this work, including the cost of food, books, toys, materials,
utilities, rent, transportation, and so much more.

Right now, state leaders are negotiating the budget that will affect provider pay and how many
families can access care. Visit www.ccpu.click/cabudget to send an email now to budget
leaders in the Assembly and the Senate and tell them that California must invest in higher
provider pay that reflects the true cost of care and more child care voucher slots so families can
actually access care.

California’s economy depends on child care providers. Parents can’t work without us. Children
depend on us during some of the most important years of their lives. Yet providers are working
longer hours and taking on side jobs to survive, and families are stuck on waiting lists because
there simply aren’t enough subsidized child care slots available.

Tell our leaders in Sacramento that providers can’t continue carrying this system on our backs. Take two minutes now and send an email at www.ccpu.click/cabudget.

The budget decisions being made right now will affect providers and families across the state for
years to come. Let’s make sure lawmakers know we are paying attention, and that we expect
real investments in child care.

Todos los días, creamos espacios seguros y acogedores donde los niños aprenden, juegan y
crecen.

Somos la infraestructura esencial que permite a los padres ir a trabajar, sabiendo que
pueden confiar en nosotros para proporcionarles a sus hijos un cuidado de calidad y afectuoso.
Sin embargo, todos sabemos la verdad: California sigue sin pagar a los proveedores de
cuidado infantil ni de lejos lo que realmente nos cuesta hacer este trabajo, incluyendo el costo
de la comida, los libros, los juguetes, los materiales, los servicios públicos, el alquiler, el
transporte y mucho más.

En este momento, los líderes estatales están negociando el presupuesto que afectará la
remuneración de los proveedores y el número de familias que pueden acceder a los servicios
de cuidado infantil. Visite www.ccpu.click/cabudget para enviar un correo electrónico ahora
mismo a los líderes presupuestarios de la Asamblea y el Senado y decirles que California debe
invertir en una mayor remuneración para los proveedores que refleje el verdadero costo del
cuidado infantil y en más cupos para vales de cuidado infantil, para que las familias puedan
acceder realmente a estos servicios.

La economía de California depende de los proveedores de cuidado infantil. Los padres no
pueden trabajar sin nosotros. Los niños dependen de nosotros durante mucho de los años más
importantes de sus vidas. Sin embargo, los proveedores están trabajando más horas y
aceptando trabajos secundarios para sobrevivir, y las familias están atrapadas en listas de
espera porque simplemente no hay suficientes cupos de cuidado infantil subsidiado
disponibles.

Dígales a nuestros líderes en Sacramento que los proveedores no podemos seguir cargando
con este sistema a nuestras espaldas. Tómese dos minutos ahora y envíe un correo electrónico
a www.ccpu.click/cabudget.

Our Perspectives

Access your portal

Step 1

Go to portal site.

Go to www.MyParticipantEdge.com

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.