Iowa 2025-2026 Regular Session

Iowa Senate Bill SF504

Introduced
3/4/25  

Caption

A bill for an act relating to unemployment insurance taxes on employers.(Formerly SSB 1173; See SF 607.)

Summary

SF 504 revises Iowa’s unemployment insurance tax system for employers. The bill lowers the taxable-wage base used to calculate employer unemployment contributions, removes certain out-of-state wages from that calculation when another state provides reciprocal treatment, and changes how new employers are assigned initial contribution rates. It also restructures the unemployment contribution rate system by reducing the number of reserve-fund scenarios and benefit-ratio ranks, changing the rate table from numbered to lettered categories, and lowering the highest regular contribution rate. The bill further adds a new surcharge for employers with persistently high benefit ratios: if an employer’s average benefit ratio over the prior three fiscal years is at least 1.25, the Department of Workforce Development must collect a surcharge equal to 10 percent of that employer’s contributions for the fiscal year. The surcharge is deposited into the unemployment compensation fund and does not change the employer’s regular contribution calculation. The bill also includes a statement expressing that any employer savings from the act should be used for employee wages or benefits, or as an alternative to unemployment benefits during seasonal unemployment.

Impact

The bill would amend multiple provisions in Iowa Code chapter 96 governing unemployment insurance taxation, including the definition of taxable wages, the rate-setting formula, reserve-fund ratio calculations, benefit-ratio ranking, and contribution tables. In practical terms, it would reduce regular unemployment tax liability for many employers by lowering the taxable wage base and the top contribution rate, while creating a new surcharge mechanism for employers with relatively high unemployment claims experience. It would also require the Department of Workforce Development to adopt rules to administer the new surcharge and revised rate structure.

Sentiment

The available voting history suggests the bill had meaningful support but not unanimous agreement: the Senate Workforce Report passed 8-5. The committee action later approved the bill and renumbered it as SF 607, indicating it advanced through committee despite some opposition. No committee transcript is available here, but the structure of the bill suggests it was generally framed as employer tax relief with a targeted offset for employers with higher unemployment costs.

Contention

The main points of contention are likely the reduction in unemployment insurance taxes versus the potential effect on the unemployment compensation fund and benefit financing. Supporters would likely favor the lower taxable wage base, lower rate table, and reduced top contribution rate as business relief, while opponents may be concerned that these changes reduce revenue or shift costs within the system. The new surcharge on employers with high average benefit ratios appears designed to address equity and fund solvency concerns, but it may also be viewed as an added burden on employers with seasonal or unstable workforces, especially in construction and landscaping.

Companion Bills

IA SF607

Similar To A bill for an act relating to unemployment insurance taxes on employers. (Formerly SF 504, SSB 1173.) Effective date: 07/01/2025.

IA HSB114

Related A bill for an act relating to unemployment insurance taxes on employers.

IA SSB1173

Related A bill for an act relating to unemployment insurance taxes on employers.(See SF 504, SF 607.)

Previously Filed As

IA SF607

A bill for an act relating to unemployment insurance taxes on employers. (Formerly SF 504, SSB 1173.) Effective date: 07/01/2025.

IA SSB1173

A bill for an act relating to unemployment insurance taxes on employers.(See SF 504, SF 607.)

IA HF980

A bill for an act relating to unemployment insurance taxes on employers.(Formerly HSB 315.)

IA SSB1189

A bill for an act relating to unemployment insurance taxes on employers.

IA HSB114

A bill for an act relating to unemployment insurance taxes on employers.

IA HSB315

A bill for an act relating to unemployment insurance taxes on employers.(See HF 980.)

IA SF487

A bill for an act relating to employer recordkeeping and auditing requirements for purposes of unemployment insurance and including applicability provisions.(Formerly SSB 1165.)

IA SB622

Relating to employment subject to unemployment insurance taxes; prescribing an effective date.

IA SB916

Relating to unemployment insurance benefits for employees unemployed due to a labor dispute.

IA HF2607

A bill for an act exempting service performed for certain employers from eligibility for unemployment insurance, and including applicability provisions.(Formerly HF 2319.)

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