Iowa 2025-2026 Regular Session

Iowa Senate Bill SSB1173

Introduced
2/24/25  

Caption

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

Summary

SSB1173 revises Iowa’s unemployment insurance tax system for employers. The bill lowers the taxable wage base used to calculate employer contributions, removes certain out-of-state wages from the taxable wages calculation when another state provides reciprocal treatment, and changes the formula used to determine unemployment contribution rates. It also restructures the reserve fund ratio and contribution rate tables, reducing the number of possible rate tables from eight to four and the number of benefit ratio ranks from 21 to 9, while lowering the highest possible contribution rate from 9.0 percent to 5.4 percent. The bill would change several provisions in Iowa Code chapter 96 governing unemployment insurance financing. It alters how the current reserve fund ratio is computed, eliminates the added $150 million adjustment in that calculation, and replaces the existing rank-and-rate structure with a simplified system using lettered rate tables. It also adds a policy statement directing employers to use any savings from the bill for employee salaries or benefits, or as an alternative to unemployment benefits during seasonal unemployment.

Impact

The bill would amend Iowa Code sections 96.1A and 96.7, directly affecting the unemployment compensation fund and the contribution obligations of contributory employers. Employers, especially those newly subject to unemployment taxes and those in construction or landscaping, would see changed entry rates and a different experience-rating structure. By lowering the taxable wage base and reducing the top contribution rate, the bill would generally reduce unemployment insurance tax liability for many employers, while also changing the state’s reserve-fund and rate-setting mechanics.

Sentiment

The available context shows the bill as a proposed governor bill with no recorded committee transcript or vote history in the provided materials, so there is no documented floor or committee sentiment to measure directly. Based on the bill’s design, the measure appears employer-friendly, emphasizing tax reduction and simplification of the unemployment contribution system. The inclusion of an employer savings statement suggests an intent to frame the bill as supporting wages, benefits, and seasonal workforce stability.

Contention

The main policy tension is between reducing employer unemployment tax burdens and preserving the financing strength of the unemployment insurance system. Potential critics may focus on the lower taxable wage base, the elimination of the $150 million reserve adjustment, and the reduced top contribution rate, arguing these changes could weaken fund solvency or shift costs over time. Supporters are likely to emphasize simpler administration, lower taxes, and relief for employers, particularly newly covered businesses and seasonal industries such as construction and landscaping.

Companion Bills

IA SF 504

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

IA SF 607

Replaced by 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.

Previously Filed As

IA SF504

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

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 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 HF980

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

IA SSB1165

A bill for an act relating to employer recordkeeping and auditing requirements for purposes of unemployment insurance and including applicability provisions.(See SF 487.)

IA SB916

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

IA SB622

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

IA HB107

AN ACT relating to unemployment insurance.

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