American Rescue Plan Act of 2021: Summary Features and Changes

March 25, 2021

American Rescue Plan Act of 2021: Summary Features and Changes

On March 11, 2021, President Biden signed HR 1319, The American Rescue Plan Act of 2021 (ARP). This new Congressional relief bill delivers additional aid in response to the persistent impact of COVID-19 on the U.S. economy, public health, state and local governments, individuals, and all businesses. A top priority will be getting the $1,400 direct stimulus payments to individuals and the continued support measures to unemployed workers.

Importantly and favorably for our members, the newly passed The ARP Act includes provisions that increase the amount and duration of federal relief for reimbursing employers. And, for members whose employees have been separated from employment, The ARP Act allows a tax exclusion of $10,200 for UI benefit income in the 2020 tax year for households with adjusted gross incomes under $150,000.

Highlights, and positive results for you, of unemployment related provisions in The ARP Act are:

  • An increase in the federal reimbursement amount, from 50% of charges to 75% of charges, to reimbursing employers for weeks beginning after March 31, 2021, through the week ending prior to September 6, 2021
  • An extension of the 100% federal reimbursement of state extended UI benefits for nonprofits through the week ending Friday, September 6, 2021
  • An extension of federal funding for the first week of regular unemployment compensation
  • An extension of temporary financing of Short-Time Compensation agreements/payments (a.k.a. STC, Shared Work, or Work Share programs)
  • An extension of the waiver of interest on outstanding loans for states to pay UI benefits

Additionally, The ARP Act also extended coverage related to the 2020 UI Pandemic Programs that paid additional benefits to all unemployed workers and expanded eligibility for many workers not covered under regular state unemployment benefits or those who may have exhausted their benefits. Those include: 

  • FPUC (Federal Pandemic Unemployment Compensation) – A federally funded supplement of $300 weekly will continue to be added to state and federal unemployment benefits for weeks beginning March 14 through the week ending September 4, 2021.
  • PEUC (Pandemic Emergency Unemployment Compensation) – These additional weeks of federally funded benefits will continue to be provided to eligible individuals who exhaust their traditional state unemployment insurance (UI) benefits.
  • PUA (Pandemic Unemployment Assistance) – These federally funded benefits will continue to be provided to individuals who do not qualify for regular state unemployment, such as the self-employed, part-timers, and gig workers. 

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Testimonials

We’ve been a member of First Nonprofit’s Unemployment Savings Program since 2011 and highly recommend joining. The program is terrific and allows us to earn interest on our own funds while still meeting the state’s requirements on unemployment payments. In addition, the staff are great and always helpful sorting out any questions we may have. Thank you all!

NC Conservation Network, Raleigh, NC

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!

CROSSPURPOSE, Denver, CO

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