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Wins in CCPU Tentative Agreement Include Continued Funding for Health Care and Pay Increases!

We’re proud to announce that the CCPU tentative agreement with the State of California contains many important victories for family child care providers. With recent developments at the national level—the worsening economy and changes that will force millions of people off of health insurance in the coming years—we want to highlight two key provisions in the tentative agreement.

The first is that we secured up to $100 million per year for the next three years to continue our Health Care Fund and the great, FREE benefits available to CCPU providers. Providers across the state have shared stories about the positive impact of the Health Care Fund. This provision allows us to continue making it easier for Providers to take care of their health when needed.

Second, CCPU secured $90 million for one-time stabilization payments that will boost provider pay and economic stability. The bargaining committee negotiated a provision that would redirect a portion of funds that were previously set aside for retiree health benefits and put that money towards funding that both licensed and Family, Friend, & Neighbor (FFN) Providers can access before retirement.

The Retiree Health Benefit was available only to family child care providers enrolled in the Health Care Fund by March 31, 2025. Now, the amount of total funding is greater and the number of providers who will benefit from stabilization pay is higher.

While, the State legislature has ratified the agreement through California Senate Bill 151; CCPU Providers are still casting their ballots to Vote Yes to ratify the contract. CCPU members can cast their ballot today to secure the wins in our agreement. All active CCPU members have received electronic ballot notices to both their personal emails and cell phones on file with CCPU.

¡Las victorias en el acuerdo tentativo de CCPU incluyen financiación continua para atención médica y aumentos salariales!

Nos enorgullece anunciar que el acuerdo provisional de CCPU con el Estado de California incluye importantes victorias para los proveedores de cuidado infantil familiar. Ante los recientes acontecimientos a nivel nacional —el deterioro de la economía y los cambios que obligarán a millones de personas a abandonar su seguro médico en los próximos años—, queremos destacar dos disposiciones clave del acuerdo provisional.

La primera es que hemos conseguido hasta 100 millones de dólares anuales durante los próximos tres años para continuar con nuestro Fondo de Atención Médica y los excelentes beneficios GRATUITOS disponibles para los proveedores de CCPU. Proveedores de todo el estado han compartido historias sobre el impacto positivo del Fondo de Atención Médica. Esta disposición nos permite seguir facilitando que los proveedores cuiden su salud cuando lo necesiten.

En segundo lugar, CCPU consiguió 90 millones de dólares para pagos únicos de estabilización que impulsarán los salarios de los proveedores y la estabilidad económica. El comité de negociación negoció una disposición que redirigiría una parte de los fondos previamente reservados para los beneficios de salud de los jubilados y destinaría ese dinero a fondos a los que tanto los proveedores con licencia como los proveedores de Familias, Amigos y Vecinos (FFN) pueden acceder antes de jubilarse.

El Beneficio de Salud para Jubilados estaba disponible solo para los proveedores de cuidado infantil familiar inscritos en el Fondo de Atención Médica antes del 31 de marzo de 2025. Ahora, el monto total de la financiación es mayor y el número de proveedores que se beneficiarán del pago de estabilización es mayor.

Si bien la legislatura estatal ha ratificado el acuerdo mediante el Proyecto de Ley 151 del Senado de California, los proveedores de CCPU aún están votando a favor de ratificar el contrato. Los miembros de CCPU pueden votar hoy mismo para asegurar los logros de nuestro acuerdo. Todos los miembros activos de CCPU han recibido notificaciones de votación electrónicas en sus correos electrónicos personales y teléfonos celulares registrados en CCPU.

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.