We are excited to announce the official launch of UDW’s very own credit union on May 16 in partnership with Providence Federal Credit Union (PFCU)! Union leaders have been working with PFCU for months to create products and services designed specifically to meet our needs as caregivers and family child care providers. William Reed, UDW Secretary-Treasurer, is ready to share how this benefit can empower fellow providers.

“UDW members need and want a credit union, and together we made it happen,” said William. “Our new credit union partnership is a major new benefit that provides members a whole range of banking with services catered specifically to home care and family child care providers.”

PFCU members can count on everyday benefits like online, mobile, and phone banking services; access to 90,000 surcharge-free ATMs; free checking and savings accounts; low-interest loans specifically designed with UDW members in mind; and free financial wellness classes and counseling to help you achieve a secure financial future. PFCU also offers a second chance checking account for those of us who have struggled with our credit in the past. Our friends at PFCU are flexible and open to adjusting to our needs, especially as IHSS providers have a state-mandated deadline to register for direct deposit by July 1.

Unlike for-profit banks, our credit union is designed to put us first. Before the benefit opens to all members on May 16, William and other union leaders signed up early to test the services and customer service. He reported that working with PFCU has been a great experience.

“They’ve been very welcoming, available, and accommodating,” said William. “PFCU has made me feel like they are my bank. In a world where we are pulling away from person-to-person contact, PFCU is still focusing on creating personal connections with our members.”

Desmond Prescott, District 3 Chair, also joined the credit union and has seen the difference that having a not-for-profit organization help you manage your funds can make—not only in your wallet but in your peace of mind.

“PFCU recognizes care workers and the valuable work we do, and creates products specifically with us in mind,” he said. “They value our work and care to protect the money we work so hard for.”

Desmond was amazed by the speedy response he’s had throughout his enrollment process and the variety of services PFCU offers our members, from low-interest loans catering to caregivers, to a financial wellness program personalized to your specific financial goals, and access to low-interest credit. There was one benefit that made the biggest impact on Desmond, so far.

“My favorite PFCU service was the low-interest balance transfer!” He said. “I was able to transfer my balance from a 25% interest credit card to PFCU at only 4% interest. I did the calculations, and this one benefit is saving me thousands of dollars.”

UDW members work hard, and we deserve a members-first financial institution that will work for us and give us the exceptional service, easy access, and quality products that we deserve!

To become a member or learn more visitwww.providencecu.org/UDW or call 1-888-849-5189.

Of course one of our most valuable member benefits are our free advocacy councils. Last year we helped UDW member Vera Galinha of Merced County win protective supervision for her client – an increase in 175 hours a month and back pay.

Dear fellow IHSS providers,

Together UDW caregivers negotiate better wages and benefits for our work, while also protecting our clients and loved ones by advocating for seniors and people with disabilities and improving the IHSS program. But there’s one more perk to being a member of UDW: our member benefits and discounts.

Did you know that if you took advantage of every UDW member benefit, your family could save over $2,400 this year?

Our low-cost dental plan can save caregivers up to $194.50 over more expensive dental coverage. The WellCard Health Discount Card can save a family of three on average $1,000 annually. A free accidental death and dismemberment policy through American Income Life will save you another $96, and our 15% AT&T discount can save you an average of $72 on your phone bill each year.

Free caregiving trainings like CPR and First Aid save us money while teaching us the tools we need to give our clients the quality care they deserve. Not to mention the new free AFSCME college benefit, and so much more.

Start taking advantage of your member benefits today! Visit www.udwa.org/memberbenefits or call 1-800-621-5016 for more information.

In solidarity,
Editha Adams, caregiver and UDW President

maria cota

My name is Maria Cota, and I’ve been an IHSS caregiver since 1993.

In 2013, I had a stroke and the recovery made it difficult for me to keep working as a home care provider. Once I was back on my feet and ready to get back to work, the UDW Match program helped me find a new home care client. Now, I’m working again and I don’t have to worry about how I will pay my bills and support myself.

UDW Match is one of our members-only benefits. It is a totally free home care referral service that connects home care providers with seniors and people with disabilities who need our care.

I’ve been a home care provider for 25 years, and an IHSS provider for 23 years. It is the work I know best, and the job I love. Before my current client, I worked for a woman with leukemia. But while caring for her I also had health issues of my own, which culminated in a stroke in December 2013.

I spent four weeks in the hospital, and went through at-home therapy for an additional four weeks after I was released. I had to learn basic tasks and knowledge, like my colors and how to make purchases in a store, all over again. It was a rough road, and it took about a year, but I got through it.

I heard about UDW Match at one of our San Diego County membership meetings. I needed a new client so I asked for more information. The process was pretty simple: I completed a caregiver enrollment form, and UDW Match began the work of pairing me with a client looking for care. The program matched me to a client based on her unique care needs, and ensured our compatibility. From start to finish, the process took less than three weeks.

My matched client is Estela. She lives with asthma, nerve problems, and arthritis. Estela was so happy with my care that she asked me to care for her 44-year-old son who lives with schizophrenia as well.

Our work isn’t high paying, and turnover of clients can happen frequently. I recommend UDW Match to any UDW caregiver in need of a new or additional client. Knowing this is one of the benefits of being a UDW member has really made me love our union. I feel like UDW is member-driven and member focused, and wants the best for us all.

Maria Cota is a home care provider and UDW member in San Diego County.

UDW Match is currently servicing San Diego County only. The goal is to expand the program to other counties soon.