FNP Programs

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FNP Programs

Unemployment Savings Program

A Limited Liability Corporation

The Unemployment Savings Program is the only one of its kind and has been for over 30 years. It provides a fixed annual budget and your organization’s very own interest-bearing, proprietary reserve account, all while allowing you to save thousands of dollars when compared to paying the State Unemployment Insurance (SUI) tax. More importantly, your cost and coverage is entirely unaffected by other members.

How does it work?

  • The Unemployment Savings Program is specifically designed for your organization.
    Annual fees are based exclusively on your unemployment experience and employment profile. There are no shared risks or expenses.
  • Improve cash flow by making four equal, fixed quarterly payments to your reserve account.
    While most SUI tax payments are made during the first and second quarters of the calendar year, our program members make four equal quarterly payments.
  • Build a reserve account your organization actually owns.
    Unlike the taxes paid into your SUI tax account with the state, this interest-bearing reserve account is yours and will be returned to you if you should ever decide to withdraw from the program. Your account balance can be considered an asset and recognized as such in your organization’s financial records.
  • Your organization is protected against high unemployment years with stop-loss insurance when you need it.
    If you lose funding and need to restructure your organization or reduce staff, our stop-loss insurance limits your liability.
  • Professional unemployment claims administration and cost control is included.
    Receive services from unemployment insurance professionals familiar with your state’s laws and statutory requirements to assist you with claims validation, representation at all unemployment appeal hearings, audit of benefit charges, and more.

Why choose First Nonprofit?

Our unique programs are tailored specifically to you. There are no pooled losses or shared expenses; stop-loss insurance limits are calculated for each member based on their size and experience; an individual organization’s coverage limits are not impacted by any other member’s negative claim experience.

We offer true insurance coverage, not group reserves or joint and several liability exposure. Every dollar paid into your reserve account pays for claims charged only by your former employees. In addition, we have access to claims administrators across the country, allowing you to access service that fits your organization’s needs.

Ready to chat? Get in touch today to request a no-obligation savings evaluation.


CCSCT was approached by First NonProfit to discuss its Unemployment Savings Program and ways the program could significantly reduce the amount of unemployment taxes we were paying. At the time, our agency was paying approximately $80,000 per year. First NonProfit conducted an analysis to determine if making the switch would be in our best interest, and it clearly was based on our circumstances. The first year on the program, CCSCT saw a 70% reduction in its unemployment costs and each year, continues to experience further reductions as a result of having minimal claims. Some additional benefits of the program including having a fixed annual cost, an interest-baring reserve account, professional unemployment claims management and representation at all unemployment hearings. This has been one of the best decisions we have made.

Community Council of South Central Texas, Inc., Seguin, TX

We first started using First Nonprofit’s Unemployment Savings Program when we were a small startup nonprofit.  We didn’t have an HR department and needed expertise in the event that an unemployment claim was made.  We knew we were eligible to be a reimbursing employer, but weren’t sure how to navigate that process.  They made it easy to set things up, plan for, and then manage claims when they came at a very reasonable cost. The amount of time and stress they’ve saved us dealing with all this has been worth way more than the cost.  We’ve now grown to a large nonprofit and do have an HR department but have no plans to stop using their services.  I highly recommend them to every nonprofit I come into contact with!


Throughout our membership in the Unemployment Savings Program, First Nonprofit understood our demands, community dynamics, and the importance of seamless services; that allowed us to serve our constituents better.

Prevent Blindness America, Chicago, IL

Because INCS advocates for the operating conditions that allow charter public schools to provide high quality public education, partnering with First Nonprofit was an easy decision. First Nonprofit’s unemployment programs provide our member schools two operating elements crucial to their ability to provide high quality public education: savings and budget certainty. Capable, committed teachers are the key to student success. By participating in the unemployment insurance savings plan, charter public schools gain peace of mind and are able to invest more money in their teachers.

Illinois Network of Charter Schools, Chicago, IL

It has been our sincere pleasure to maintain a strong, vibrant business partnership with First Nonprofit. We greatly admire their strong industry knowledge, technical expertise, constant professionalism, knowledgeable and dedicated staff. They are always extremely responsive, personable and provide us with the necessary guidance and recommendations on a numerous variety of employment scenarios.

Thresholds, Chicago, IL

NYCON members who use First Nonprofit’s programs enjoy enduring savings and improved efficiency. Our association knows that success, because from the beginning, we achieved the same great benefits. Great savings, seamless technology, and responsive service. NYCON highly recommends First Nonprofit’s remarkable unemployment solutions.

New York Council of Nonprofits, Albany, NY

Visually Impaired Preschool Services has been a client of First Non-Profit since it was first offered as a benefit of VisionServe Alliance. We completed a thorough evaluation of cash savings to our agency before taking advantage of this wonderful benefit and it has been a very wise decision. Our experience with the processes from accounting to claims have been professional, expeditious and easy.

Visually Impaired Preschool Services, Louisville, KY

Luckily for us, our interactions regarding any issues with staffing has been very minimal! I can say that all other interactions with regards to billing, 941 reporting, etc. have been extremely pleasant, accommodating and easy to work with. Kim Ghanayem is always prompt, professional and friendly. Thank you so much!

Neurologic Music Therapy Services of Arizona, Phoenix, AZ