Unemployment Savings · 501(c)(3) Nonprofits
Your nonprofit may be overpaying for unemployment.
As a 501(c)(3), you can opt out of the state unemployment tax and self-insure — saving as much as 45%. See if your organization qualifies.
Opt out of the state tax and self-insure
Keep the reserves you don't spend on claims
Free claims administration & HR support included
Up to 45%
Lower unemployment cost
2,300+
Organizations served
710,000+
Employees covered
40
Associations endorse it
HOW IT WORKS
Four small steps. No long forms.
We start with a conversation, not paperwork - so you can see if this is worth your time before committing anything
01
Tell us about your organization
Answer a few quick questions - about 60 seconds. No documents, no obligation.
02
We review your fit & savings
We look at your tax status, headcount, and claims history to estimate your potential savings.
03
Free consultation
A short call to walk through your options and answer questions — at your pace.
04
Switch and start saving
If it's a fit, we handle the transition. You keep your earnings and gain budget certainty.
THE OPPORTUNITY
As a 501(c)(3), you have an option for-profits don't.
Every employer must cover unemployment. For-profit companies can only pay the tax. Nonprofits and governmental employers can opt out, self-insure, and stop overpaying.
THE DEFAULT
Paying the state tax
One option only: pay the state unemployment tax (SUI)
Your dollars are pooled — you absorb others' losses
Payments cluster in Q1 and Q2, straining cash flow
No credit for good claims history
THE S WOLF WAY
Self-insuring with First Nonprofit
Opt out and self-insure — pay only for your own claims
Your own reserve account; you keep what you don't spend
Equal quarterly deposits for budget certainty
Stop-loss insurance covers excess claims
WHO QUALIFIES
Built for organizations like yours.
More than 1,500 nonprofit and governmental employers - covering over 250,000 employees — already participate. If you're a 501(c)(3) with at least 10 employees, you're likely eligible.
Social services
YMCAs & Boys and Girls Clubs
Charter & private schools
Colleges & universities
Domestic violence & homeless shelters
Charitable foundations
Healthcare agencies
Religious & service organizations
Assisted living centers
THE OPPORTUNITY
More than savings.
A full support team.
Switching isn't just cheaper. Every member gets professional claims handling and HR support at no additional charge.
No-cost claims administration
Professional unemployment claims handling is included at no extra charge — built to eliminate every unwarranted cost.
Hearing representation
Hearing representation, charge auditing, management reporting, and on-site training, all handled for you.
Stop-loss protection
Once your charges exceed your deductible, excess claims are covered - so a bad year can't break your budget.
Members-only portal
Real-time access to reserve balances, transactions, invoices, and your claims administrator.
Live HR support
Mineral's certified HR advisers, a living handbook, and 200+ SHRM/HRCI courses included.
Predictable quarterly billing
Deposits spread evenly across the year instead of front-loaded - steady, predictable cash flow.
