Established in 1989, the Colorado Nonprofit Insurance Agency has been a UST partner since 1983. Having recently joined forces with HUB International, the agency is devoted to serving the 501(c)(3) nonprofit community by providing affordable insurance designed exclusively for nonprofits. Originally established as a benefit to the Colorado Nonprofit Association, the organization has grown in leaps and bounds since its inception.

The Colorado Nonprofit Insurance Agency negotiates and contracts with insurance carriers, evaluates products for quality and cost, researches and develops new products and concentrates on educating  their members.  A full-service insurance agency, CNIA offers a wide range of products including liability, property, Workers’ Compensation and employee benefits such as health, life and disability coverage. Additionally they provide employee benefit programs ranging from flexible spending accounts to wellness programs.

Serving the Colorado nonprofit community with their insurance needs is all they do! Dedicated to helping 501(c)(3) charitable organizations for over two decades, the Colorado Nonprofit Insurance Agency has many years of experience helping nonprofits determine the best insurance coverage needed to protect their unique needs.  For more information on CNIA visit http://coloradononprofitinsurance.org/.

For the past 4 years, Florida has been indebted to the Title XII federal loan program, due to the economic crisis in 2008. Along with 35 other states, Florida’s Unemployment Compensation Trust Fund became insolvent as the economy suffered. While this state trust fund was designed to be self-sustaining, most states had no other option but to take out an extensive loan—coupling a devastatingly shorter and smaller supply of unemployment benefits with a huge outstanding balance owed to the federal governments.

But, Florida was able to make their final loan payment of $9.2 million on Tuesday, May 21st.

Using more than $3.1 billion from employer tax collections and $360 million from an issued Federal Unemployment Tax Act (FUTA) tax credit, Florida became the 14th state to successfully pay off their debt. The remaining states still possess a cumulative outstanding balance of over $21 billion, with an added interest of over $464 million—all of which must be paid off in order to restore their Trust Fund balance.

With their balance finally at $0, and their unemployment rate down to 7.2 percent, Florida is now able to focus their energy on job creation and economic improvement strategies.

While there was no specified payment schedule for the loan, Florida has progressed a lot quicker than some of the larger states. 22 states still remain in debt, but Florida paves the way for economic salvation. And provides a sense of hope to those seeking employment.

Want to learn more about the Florida federal loan pay-off from the Tampa Bay Times? Read this overview.

Compare what your state debt balance is here.

The Unemployment Services Trust has added a new eBook to its library, aimed at helping nonprofit organizations to more effectively find, develop and retain the right kind of talent.

SANTA BARBARA, Calif. (September 28, 2017) – The Unemployment Services Trust (UST) reveals some of the most common courses of action to take in order to help sustain employee talent that’s a best-fit for organizational values, culture and mission.  This short eBook provides ideal tactics nonprofits can utilize when approaching reoccurring struggles with recruiting and retaining personnel.

As a nonprofit organization, having the right team is critical to your mission. Without the guidance of strong and steady leadership or the driving force of sufficient organizational support, nonprofits are left vulnerable to financial, strategic and geopolitical uncertainties.

The eBook, “Nonprofit Talent Sustainability Strategies: 5 Ways to Combat Hiring & Succession Planning Obstacles,” reveals that “77% of nonprofit organizations across the country have no leadership transition or a succession plan.” Such lack of preparation can lead to staff burnout, unfinished projects, lost deadlines, and unrealized mission goals.

“The competition for talent is at an all-time high, making it essential that your organization understands how to leverage the benefits you have to offer,” explains Donna Groh, Executive Director. “This eBook provides the insight organizations need to best prepare for inevitable staffing departures while persuading stellar job candidates to come onboard—helping them save valuable time and money.”

Utilizing recent survey data and nonprofit employment trends, UST is able to provide nonprofits with the top five ways to combat hiring and succession planning obstacles.

The eBook, now available for free download, also highlights:

  • Competitive benefit ideas
  • New statistics from the sector
  • Trending recruitment tactics
  • Key ways to engage new staff

You can download your complimentary copy today at: http://www2.chooseust.org/2017/eBook

Unexpected resignations can present big challenges for any business but especially for nonprofits with an already limited sta ff. Image the shock slowly turning into disappointment, anger and dread. Abrupt departures can be an emotional blow to the psyche, especially if it is someone who has positively contributed to the company. Now what?

Once you’ve processed the emotional aspects of losing a star employee, you’re then faced with the challenge of making sure things run smoothly through the transition. The following steps can help you effectively manage your staff during an unexpected staff departure:

  1. Accept and reflect – Don’t take it personally, oftentimes employees resign for growth opportunities and if their reasons are related to your management style, they usually won’t say so. How you act now is pivotal in maintaining a good standing with them and sparing the company from any backlash once the employee is officially gone.
  2. Show your support – A good manager will support and wish its employee well. Don’t hesitate to offer a recommendation if the employee deserves it.
  3. Confer with your Human Resources department – It’s important to understand company procedure as related to resignations so you are prepared on how to handle any specific questions that may arise.
  4. Explore the merits of a counter-offer – You should be selective about who to give a counter-offer to and who to let go. Whether or not to make a counter offer comes down to how critical this person is to you and how much of a disruption their absence will cause.
  5. Develop a transition plan – Deciding how to divvy up responsibilities while you are short-handed can be difficult. Start by determining which tasks just can’t go unattended and if any can be put on hold. Discuss those priorities with your staff to divide among existing employees and ascertain if additional interim help will be required.
  6. Communicate – You can’t control how others will react to the news, but you can control how it gets communicated. Be positive and show respect by acknowledging the work the departing employee has done. Being honest about the impact on the team and offering a temporary plan of action will go a long way in easing the minds of your remaining staff.
  7. Transfer knowledge – Once you have figured out who will take on what, it’s a good idea to arrange time for training during the notice period before the departing employee leaves. Capturing unique knowledge the employee has developed over the years isn’t always as easy to capture but having an extensive shadowing mechanism can help in obtaining that information.
  8. Review the current job description and revise if necessary – Transitions are a good time to review a job description. You want to ensure company needs are being met and possibly add new responsibilities. Asking employees for input on what skills, experience and qualities they would like to find in the new hire can help ensure any gaps are covered.
  9. Post the job opening ASAP – Coordinate with HR to formally post a job listing in an effort to show your staff this transition period is temporary.
  10. Throw a Going Away Party – This small gesture should never be overlooked. It’s important to gather your team and say “thanks” to the person leaving. Failure to acknowledge an employee’s departure and his or her contributions sends a bad message to the rest of your team.

When an employee resigns it creates uncertainty which creates stress. While losing some of your best people is inevitable, it doesn’t have to wreak havoc on the entire infrastructure. Managers set the tone for what happens next and with clear communication and mindful delegation; you can ensure an unexpected departure doesn’t turn your business structure upside down.

According to Ragan’s HR Communication News there are five questions that every employee wants—and needs—to have answered to be feel confident and successful in their position within your nonprofit organization.

For you, answering these questions is critical to creating an invested workforce that sparks the creativity and drive that your mission thrives on. Answering the questions also gives employees a sense of who they are and where they fit in your agency, which leads to more productive, and innovative, workdays.

  1. What is expected of me? This question may seem obvious, but if you don’t have a clearly developed job description that outlines how each position fits into the overall organizational goals, and how the position is critical to reaching your mission goals, employees may feel that they’re just floating in the void. By clearly laying how a position fits into your nonprofit goals, you allow your employees to actively engage in making your nonprofit a successful place to work. If you haven’t yet, read this to learn more about developing strong employee objectives.
  2. How am I doing? Don’t structure your nonprofit so that employees are only getting feedback on the things they do wrong—it’s disheartening and keeps people from extending themselves. Make sure that managers are regularly scheduling meetings with the employees they oversee to give regular feedback on how the employee is doing. And ensure that when employees do something awesome they hear about it! Employees want to have regular feedback (both good and bad) and if they don’t get it from you, they may find another nonprofit that does offer them the opportunity for growth.
  3. Where do I stand? Schedule a formal evaluation of each of your employees every year. An expansion of question 2, this allows you to discuss their accomplishments, opportunities for further growth and improvement, and the challenges that they’ve dealt with. This annual assessment meeting also allows you and your employees to review what is expected of each of them and how this has changed in the past year.
  4. How can I improve? As we’ve said before, you must give employees the opportunities to gain more professional skills and understanding if you want them to stay with your nonprofit for the long haul. It’s vital to keeping employees happy. But, offering opportunities for improvement also allows you to further the mission of your nonprofit. By strengthening every member on your team, you become more able to meet new situations head on.
  5. How can I grow and challenge myself? A more focused version of question 4, this question allows you to re-recruit employees by reminding each other why the fit works. Find out where they want to go in their career and determine how this fits in with your organizational assessment of their abilities. Whether this means you add to an employee’s daily duties, you move them up in the organization, or whatever else works for you, re-recruiting employees challenges both you and them to create a high-performance, high-quality workplace that is even more focused on your mission.

Answering these questions is only part of a strong employee retention policy though. What other steps do you take to keep employees engaged and excited about your nonprofit?

Read the original Ragan article here.

September 20, 2017
Time is critical at every nonprofit we’ve ever seen, so we understand that managers and front line staff often don’t have time to keep up with the latest, newest, and most recently groundbreaking changes to the sector.

But falling behind can mean you miss valuable ways to help meet the needs of those you serve.

In fact, our guess would be that everyone at your organization probably agrees that staying up-to-date is important for the continued success of your agency. But how do you manage the flow of information while still being waist-deep in meeting the ever-growing needs of your nonprofit community?

Bridgestar suggests starting a professional reading group. A suggestion UST’s whole Division of Nonprofit Research heartily agrees with.

But, simply starting a professional reading group doesn’t guarantee its success. And, if you’re not sure of the reaction that managers and front line staff will have to a reading group that requires them to read and digest more information than they already are, start with small steps.

  1. Send interesting articles to those that they are most relevant to. If you read an article about new nonprofit hiring trends, don’t send it to the entire staff, send it straight to those who work on your hiring staff or have a vested interest in sector hiring trends. If you send an article that’s only relevant to one part of your organization to everyone, people will stop paying attention to the articles you send. It’s like crying “wolf.”
  2. Offer a weekly reading list that compiles information about your nonprofit sector to those that indicate an interest. An optional reading list is a no-pressure way to get people in the habit of reading professional materials on a regular basis, and is a great step toward building your reading group. It also sparks discussion among your staff about the included articles which can lead to greater group productivity and knowledge.
  3. Offer incentives to employees who are reading a relevant book and are willing to share their new knowledge with the group. As straight forward as this is, it might be one of the most difficult steps to achieve since it requires reading longer, and often more complicated, material that must then be shared with the larger group. But if you find people willing to do it, capitalize on it. Even if they’re too busy to come in and share with a large group all at once, ask them to write out their thoughts and include them in the employee newsletter or at a regularly scheduled meeting.
  4. Ask employees to contribute articles and information they think is valuable! This again capitalizes on your employee’s involvement, and encourages them to become involved in the continuing education of your agency. By asking for their input you also interest a larger group of people and expose yourself to new reading materials and sector news without having to continually hunt things down.

If these steps show promise and you’re getting a good response from enough people, suggest to your employees that a reading group should be formed to help your nonprofit stay on top of new developments and innovations.

If scheduling is an issue and causes your employees (or volunteers) to balk, offer several different reading group times that allow employees with different schedules to still meet with each other once a quarter or more often if there is time. Or try pre-recording group input and making it available online. This is the time to be creative in getting people on board and involved because the more your employees invest, the more they’ll be able to tout the strengths of the reading group to employees who haven’t joined yet.

Bridgestar suggests that when you finally start your professional reading group you:

  1. Gauge interest before springing a reading group on your employees.
  2. Keep the group small; aiming for only 5 to 8 people at each meeting. Think about recording the meetings and making them available to people who didn’t attend the meeting.
  3. Have group participants report back on what they’ve learned. And how it’s impacted their work.
  4. Build your organizations library and refer to it often. Even if you save everything on a bookshelf in your break room, make sure that your employees are able to access the information library. If it’s kept up-to-date, you’ll make an even bigger impact on your staff.
September 11, 2017

Josh joined UST in the Spring as an Enrollment Specialist with our sales team and was intrigued by the idea of how our efforts could so greatly impact the nonprofit communities we serve through our day to day business.  Josh himself, has done his fair share of working with the nonprofit community by mentoring youth, cleaning beaches, helping out at animal rescues and working in food shelters and that’s just to name a few.

Josh is a native to the area and enjoys getting lost in the surrounding hills which happens to be his favorite place to be. He explains, “I like the feeling of not being entirely sure of where I am or where I’m going when on a hike, and then feeling excited to find out.” In addition to working full-time, he’s working on completing his Master of Business Administration, occasionally teaches indoor cycling, enjoys yoga, Pilates and abstract expressionist painting. With a firm belief in personal development, he would also like to earn a PhD in Business Administration or Art history.

Having studied art history and philosophy in college, Josh hopes to one day travel to some of the places he studied, such as the Alhambra in Spain, Dome of the Rock in Jerusalem, Great Mosque of Mecca and Bodh Gaya in India. Not your average travel destinations but certainly amazing places to visit. 

In addition to the many activities he enjoys in his spare time, he also enjoys spending time with the love of his life, Zima, his 3-year old Siberian husky. Like so many of his fellow co-workers, Josh always has a good story to share about his beloved pet which makes him a perfect addition to the UST team.

Help us in welcoming Josh to the team via Twitter @USTTrust or Facebook @ChooseUST with the hastag #MeetUSTMondays!

 

Employers added 156,000 jobs in August and the economy requires 150,000 new jobs each month in order to continue expanding. Considering the economy is growing at a healthy rate, tax cuts and increased spending in 2017 may cause for inflation.

In August, both the unemployment rate, at 4.4 percent, and the number of unemployed persons, at 7.1 million, were little changed from July. After a decline at the start of the year, the unemployment rate has remained at a consistent range from 4.3 or 4.4 percent since April. The labor-force participation rate- People who had a job or were looking for one—remained unchanged at 62.9 percent.

The U.S. economy added 36,000 jobs in manufacturing while construction increased by 28,000 and health care rose by 20,000. Employment in the professional and technical services industry has shown a gradual increase over the course of the year with 22,000 positions filled for the month of August. Mining industry has gained 7,000—employment in mining has risen by 10 percent since October 2016. Employment in other major industries, such as wholesale trade, retail trade, transportation and warehousing, information, financial activities, and government, showed little to no change over the course of the month.

In August, average hourly earnings rose by 3 cents, after rising by 9 cents in July. Over the past 12 months, average hourly earnings have increased by 2.5 percent. In addition, the average hourly earnings of the private-sector productions and non-supervisory employees increased by 4 cents.

Keep in mind, Hurricane Harvey had no direct effect on the employment and unemployment data for the month of August. Household surveys data collection was completed before the storm. Establishment survey data collection for this new release was mostly completed prior to the storm, and collection rates were within normal ranges nationally and for the affected areas.

A UST partner since 1983, the CT Community Nonprofit Alliance is the largest advocacy organization for nonprofits in Connecticut, representing hundreds of nonprofit organizations across all categories—ranging from Health and Human Service programs to Arts and Culture. After the Connecticut Association of Nonprofits and Connecticut Community Providers Association joined forces in early 2016, the 600+ nonprofits represented by the new Alliance serve more than half a million individuals every day in areas of mental health, substance use disorders, intellectual disabilities and child and family health and well-being.

“The Alliance is the voice of nonprofits in Connecticut. Our mission is to advocate excellence in community-based nonprofits through advocacy and capacity building,” said Josh Lipshitz, Director of Membership and Business Development at CT Community Nonprofit Alliance. “One example is our partnership with UST, which helped 38 of our member organizations to save over $957,000 in unemployment costs in 2016 alone.”

The Alliance currently offers the following programs and services:

  • The Nonprofit Center – Serves as home to 26 nonprofit organizations and more than 200 employees
  • Preferred Purchasing Program – Promotes employment opportunities for people with disabilities
  • Public Policy and Advocating – Champion nonprofit causes and represent their interests at the Legislature level
  • The Center for Professional Development – Workshops, conferences, resources and tools
  • Networking and Information – Cultivates communication and cooperation among its member nonprofits

Dedicated to representing nonprofit organizations for more than 35 years, The Alliance has successfully promoted the health and well-being of the 169 communities that compromise the State of Connecticut—focusing their energy on the people and communities they serve. With a plethora of programs and services to offer and a long history of involvement in the nonprofit communities of Connecticut, we’re proud of our long-time partnership with The Alliance.

CT Community Nonprofit Alliance is the collective voice of community providers and nonprofits in Connecticut that strengthen and sustain healthy communities by advocating for community-based, nonprofit organizations. For more information on The Alliance visit www.ctnonprofitalliance.org.

Talent plays a critical role in the overall performance of a nonprofit. However, according to the 2016 Nonprofit Employment Practices Survey, 84 percent of nonprofits don’t have a formal retention strategy in place and the turnover rate has gradually increased over the past few years. Behind all this data, there is a noticeable pattern across these nonprofit organizations of why this is happening—limited budgets.

Allocating a portion of your operating budget to invest in talent will ensure that your organization has an engaged team to guide your mission in the right direction.  To achieve true sustainability for your organization, you must compensate your talent appropriately and commit both time and resources to strengthening your culture.

Fortunately, there are many ways to foster a healthy and effective workforce that won’t have a direct impact on your budget. Besides compensation, there are other important factors that drive employee satisfaction—culture, values, organizational leadership, work-life-balance and career opportunities. Here are several cost-effective solutions to use when finding talent regardless of budget constraints:

1) Define Your Culture- Regardless of your nonprofit’s budget, you can have a strong organizational culture and, in turn, will encourage advancement of your mission. The most effective nonprofits tend to have employees that have the highest level of culture satisfaction. In order to have a positive corporate culture, nonprofits should apply the following components:

  • Vision
  • Values
  • Practices
  • People
  • Narrative
  • Place

 

2) Implement Diversity Initiatives- According to a recent Glassdoor survey, 67 percent of jobseekers indicated that a diverse workforce is an important factor when considering a new employer. While diversity has an impact on recruiting, it also plays a significant role in organizational performance. According to McKinsey & Company, diverse companies are 35 percent more likely to outperform less diverse companies.

 

3) Incorporate New Management and Feedback Processes- While an overhaul to your approach on performance management can be costly and time consuming; you can now make incremental improvements even with a tight budget, and see major results. Improvements may include switching to quarterly reviews, encouraging employee feedback and evaluate current performance management tools. 

4) Encourage Self-Care and Work Life Balance- Actively promote self-care and let your team know that even in times of budget restraints, you value their well-being. Educate your team members regularly on how they can incorporate better wellness practices into their daily routines.

Question: Are there tax or IRS implications if we give our employees a gift certificate or gift card instead of a cash bonus?

Answer: According to the IRS, cash or “cash equivalents” (such as gift cards) are always taxable. However, you can exclude the value of a de minimis (minor) benefit you provide to an employee. If you offer the employee a different type of recognition reward (such as a dinner out or tickets to an event), it may not be taxable. While the IRS doesn’t specifically put a dollar value on what constitutes “de minimis,” it is defined as  “any property or service you provide to an employee that has so little value (taking into account how frequently you provide similar benefits to your employees) that accounting for it would be unreasonable or administratively impracticable. Cash and cash equivalent fringe benefits (for example, use of gift card, charge card, or credit card), no matter how little, are never excludable as a de minimis benefit, except for occasional meal money or transportation fare.”

For more information, the 2017 IRS Publication 15-B Employer’s Tax Guide to Fringe Benefits offers a chart that shows the tax excludable value of some fringe benefits.

Q&A provided by ThinkHR, powering the UST HR Workplace for nonprofit HR teams. Have HR questions? Sign your nonprofit up for a free 30-day trial here.

Utilizing State-Specific Unemployment Claims Administrators, Who Help Protest Unemployment Claims and Attend 100 % of Hearings, UST Participants Save More than $27.8 Million in Unemployment Claims Costs.

Santa Barbara, CA (August 14, 2017) – The Unemployment Services Trust (UST), a program dedicated to helping nonprofits reduce paperwork burdens and protect assets, today announced it has identified $26,219,466.13 in unemployment claims cost savings plus an additional $1,592,247.82 in errors that are refunded to UST participants.

Since 1972, 501(c)(3) nonprofits have possessed the exclusive ability to opt out of the state unemployment tax system and instead pay dollar-for-dollar for their own unemployment claims—as allowed by federal law. UST provides nonprofits the tools they need to exercise their unique tax-exemption status in a safe and cost-effective manner, through dedicated administrative support, e-Filing capabilities and expert claims advice.

UST participants are able to efficiently combat improper unemployment claims, meet important deadlines and prepare for claims hearings by utilizing their state-specific claims representative—helping them to avoid costly penalties while offsetting the administrative headache. UST’s claims administrator equips more than 2,200 participating nonprofits with the guidance and resources they need to confidently manage their claims process.

“In a sector where employee bandwidth and funding is often stretched, it’s beyond rewarding to know that UST provides such significant savings to our nonprofit members,” says Donna Groh, Executive Director of UST. “We know this money filters right back into the nonprofit community and that’s what the UST program is all about—strengthening nonprofits’ missions.”

501(c)(3) nonprofit employers with 10 or more employees can submit a free Unemployment Cost Analysis form to readily determine whether their organization is overpaying in state unemployment taxes. Those who enroll in the UST Program will receive instant access to expert claims advice.

August 14, 2017

Holly joined the Unemployment Services Trust back in August as a Sales Specialist and was eager to help nonprofits on another level. Having previously worked for a nonprofit organization, Holly understood the importance of saving mission critical funds anywhere possible and as active member of the Surfrider Foundation, she shows a true desire to improve the nonprofit community.

In her off-time, Holly enjoys any time with her family and friends, quiet time with a good book, or a vigorous workout session. While she admits, she can’t sing, she also enjoys a good turn at the Karaoke microphone. Holly grew up in the suburbs of Seattle and moved to California at the age of 16, after graduating from High School she minored in Arts and still enjoys painting and graphic design. She went on to earn her Bachelors in Communication with an emphasis in Nonprofit & Business and is currently working on obtaining her Master’s in Public Administration with a concentration in Public Management. She’s one busy girl!

When asked what TV show her life emulates, she answered Parks and Recreation, explaining “My friends call me Leslie Knope, played by Amy Poehler. She’s a bit crazy but her heart is in the right place.” Holly continued by saying, “I get so enthusiastic with things I’m passionate about, especially when it comes to my community. I’m always trying to get my friends and family involved in some sort of cause.” Well who doesn’t love Amy Poehler?

Her favorite holiday just happens to be Halloween and says she’s known to get a little crazy when it comes to her costume so we can’t wait to see what unique and outlandish ensemble she comes up this year! Help us in welcoming Holly to the UST team via Twitter @USTTrust or Facebook @ChooseUST with the hashtag #MeetUSTMondays!

Have you ever critiqued a coworker because of their overbearing tendencies or their abrasive personality? Don’t worry; you’re not alone in your frustrations. However, learning to dissect and identify your own and others’ personality traits can actually increase work ethic and strengthen internal relationships—paving the way for a stronger organization overall.

For nonprofits, employees’ collaborative efforts are often the key element to mission advancement But clashing personalities working toward the same goal can lead to resentment and impatience in the work place.

Learning to recognize and understand others’ personality strengths and weaknesses can help you appreciate the diverse environment you work in Specifically, nonprofits can take advantage of their diversity when it comes to improving their employment procedures and ensuring ongoing structural soundness.

Basic working styles can often be separated into 4 broad categories:

  • Learning—Learners are the researchers Unable to quench their thirst for knowledge, learners are constantly looking for the root of current and potential problems. For instance, with regard to your organization’s employment practices, learners can help analyze the strengths and weaknesses of your workforce, analyze how better documentation and standardized hiring practices can lead to a stronger, more long-term labor force.
  • Loving—These individuals are known for their relationship building abilities. They tend to show empathy and kindness towards others and understand how to approach difficult situations with grace. Spreading optimism throughout the office can help your nonprofit maintain a “glass-half-full” outlook on everyday work problems. Internal positivity and support alleviates stress during unanticipated budget or employee loss—providing you with a sense of security and consistency.
  • Doing—Doers are known to execute and accomplish set goals. They thrive on lists, deadlines, and projects. For example, by utilizing this focus and attention to detail, nonprofits can analyze and restructure their training and continued education opportunities—leading to greater time efficiency and overall HR effectiveness.
  • Leading—Leaders create and persuade by providing your employees with the tools to succeed Able to paint a picture of their visions, using innovation and passion, leaders are able to easily rally support behind their ideas. Great leaders inspire employees to constantly push themselves and take calculated chances to further your nonprofits’ mission. With each leader setting the bar even higher for the next, your nonprofit will be on track for upward mobility and constant procedural refinement.

Whichever working style team members possess doesn’t really matter by itself What most affects a nonprofit’s success is the compilation of strengths your team brings to the table and your team’s ability to successfully work together as a cohesive unit. As long as you understand and utilize everyone’s unique abilities, pertinent to your team’s progress, your nonprofit will continue to flourish.

Discover which working style you have here.

Founded in 1987, the Minnesota Council of Nonprofits has been a UST partner since 1990 and is the largest state association of nonprofits in the U.S. Founded to meet the increasing informational needs of nonprofits, MCN provides the capacity to do together what these organizations could not do individually.

Working to inform, promote, connect and strengthen individual groups and the nonprofit sector as a whole, MCN joins nonprofits together to work on issues of common concern. Since its inception, they have served thousands of member organizations, formed numerous chapters, sponsored countless annual conferences and sees a myriad number of unique website visitors per week.

Some of the tools available through the MCN Resource Library include:

  • Fundraising planning
  • Nonprofit Marketing
  • Education and professional development for nonprofit managers and leaders
  • Leadership and Governance
  • Public policy education and civic engagement
  • Cost saving product partnerships
  • Research on nonprofit sector trends and tax budget issues
  • Advocacy at local, state and federal levels
  • And much more…

MCN continuously aims at strengthening nonprofits’ inclusion and engagement practices while increasing the sector’s effectiveness in serving new and underrepresented populations. Dedicated to ensuring that nonprofit organizations from across all interests accomplish their missions for a healthy, cooperative and just society, MCN has grown from a grand idea to a solid foundation with 22 state allies and numerous national affiliations. For more information on the Minnesota Council of Nonprofits visit http://www.minnesotanonprofits.org/.

Unexpected resignations can present big challenges for any business but especially for nonprofits with an already limited staff. Image the shock slowly turning into disappointment, anger and dread. Abrupt departures can be an emotional blow to the psyche, especially if it is someone who has positively contributed to the company. Now what?

Once you’ve processed the emotional aspects of losing a star employee, you’re then faced with the challenge of making sure things run smoothly through the transition. The following steps can help you effectively manage your staff during an unexpected staff departure:

  1. Accept and reflect – Don’t take it personally, oftentimes employees resign for growth opportunities and if their reasons are related to your management style, they usually won’t say so. How you act now is pivotal in maintaining a good standing with them and sparing the company from any backlash once the employee is officially gone.
  2. Show your support – A good manager will support and wish its employee well. Don’t hesitate to offer a recommendation if the employee deserves it.
  3. Confer with your Human Resources department – It’s important to understand company procedure as related to resignations so you are prepared on how to handle any specific questions that may arise.
  4. Explore the merits of a counter-offer – You should be selective about who to give a counter-offer to and who to let go. Whether or not to make a counter offer comes down to how critical this person is to you and how much of a disruption their absence will cause.
  5. Develop a transition plan – Deciding how to divvy up responsibilities while you are short-handed can be difficult. Start by determining which tasks just can’t go unattended and if any can be put on hold. Discuss those priorities with your staff to divide among existing employees and ascertain if additional interim help will be required.
  6. Communicate – You can’t control how others will react to the news, but you can control how it gets communicated. Be positive and show respect by acknowledging the work the departing employee has done. Being honest about the impact on the team and offering a temporary plan of action will go a long way in easing the minds of your remaining staff.
  7. Transfer knowledge – Once you have figured out who will take on what, it’s a good idea to arrange time for training during the notice period before the departing employee leaves. Capturing unique knowledge the employee has developed over the years isn’t always as easy to capture but having an extensive shadowing mechanism can help in obtaining that information.
  8. Review the current job description and revise if necessary – Transitions are a good time to review a job description. You want to ensure company needs are being met and possibly add new responsibilities. Asking employees for input on what skills, experience and qualities they would like to find in the new hire can help ensure any gaps are covered.
  9. Post the job opening ASAP – Coordinate with HR to formally post a job listing in an effort to show your staff this transition period is temporary.
  10. Throw a Going Away Party – This small gesture should never be overlooked. It’s important to gather your team and say “thanks” to the person leaving. Failure to acknowledge an employee’s departure and his or her contributions sends a bad message to the rest of your team.

When an employee resigns it creates uncertainty which creates stress. While losing some of your best people is inevitable, it doesn’t have to wreak havoc on the entire infrastructure. Managers set the tone for what happens next and with clear communication and mindful delegation; you can ensure an unexpected departure doesn’t turn your business structure upside down.

Question: Can we provide summary plan descriptions (SPDs) electronically?

Answer: Yes. However, just sending them is not enough to meet ERISA requirements; you must ensure the intended recipients are actually getting them.

Specifically, ERISA requires SPDs to be furnished using “measures reasonably calculated to ensure actual receipt of the material” via “methods likely to result in full distribution.” Electronic delivery is one way to meet this requirement.

Any electronically delivered documents must be “prepared and furnished in a manner consistent with applicable style, format, and content requirements.” Therefore, it is a good idea to test the electronic document and make sure formatting and style are correct.

Unlike first class mail or hand-delivery options, electronic delivery does not work the same for all recipients. Instead compliance differs depending on whether the recipients:

  • Can access the SPD through the employer’s electronic information system (such as email or intranet) located where they are reasonably expected to perform duties: Members in this group must use the employer’s computer system as an integral part of those duties. This covers employees working from home or who are traveling as well.
  • Cannot access the SPD through employer’s electronic information system in their workspace (access to a kiosk in a workplace common area is not sufficient). This may include employees as well as non-employees such as COBRA participants, retirees, terminated participants with vested benefits, beneficiaries, and alternate payees: Members of this group must “affirmatively consent” to receive the documents electronically, provide an electronic address, and “reasonably demonstrate” their ability to access documents in electronic form.

Both groups of recipients must be notified of their rights to receive paper copies of the documents (at no charge), and reasonable and appropriate steps must be taken to safeguard confidentiality of personal information related to accounts and benefits. A best practice is for employers to ensure return-receipt or notice of undelivered mail features are enabled. Employers may conduct periodic reviews or surveys to confirm receipt as well.

Just emailing the documents or posting them on the company’s intranet or benefit administration portal is not enough. Each time an electronic document is furnished, a notice (electronic or paper) must be provided to each recipient describing the significance of the document.

Q&A provided by ThinkHR, powering the UST HR Workplace for nonprofit HR teams. Have HR questions? Sign your nonprofit up for a free 30-day trial here.

It can take months to find the perfect candidate but even after the acceptance letter has been signed and a start date agreed upon, nothing is for certain, until they are through the doors on that first day. This is especially true of a candidate coming to you from another company – typically a company that is now unhappy over the loss of a good employee.

Often times, these other employers, already have a strategy for handling this very type of situation and are likely prepared to counteroffer in an effort to change their employee’s decision to leave.  And nowadays, employers are far more sophisticated about counteroffers than in days gone by. They used to be based mostly on compensation, but companies are now addressing these issues in a more global way, by looking at everything from different work assignments to title changes.

Understanding a candidate’s motivations for a career move is vital to fending off the threat of a potential counteroffer. If someone is leaving their current employer for money, they are likely to stay for it, too. If you want to avoid losing a new hire to a counteroffer, consider the following:

  • Discuss the possibility of a counteroffer with the candidate during the interview process
  • Find out more about any other opportunities a candidate is exploring
  • Maintain regular contact with the candidate through their notice time
  • Send links to articles or share a recently published annual report
  • Share company updates and department developments
  • Arrange a lunch with their new boss or colleagues
  • Schedule “meet-the-team” meetings immediately

For you it might just be another hire, but for the candidate it is a life-changing event – a new route to work, new coworkers, new places and new routines. With this comes some degree of uncertainty, fear, and apprehension. Conveying a genuine interest in the candidate and making them feel like they are already a part of the team, even before their start date, can reduce the temptation to follow up with other recruiters or go on any remaining interviews.

In early October, after a 3-month cross matching study, it was reported through official channels that nearly $2 million in unemployment benefits were paid to 1,100 people in county jails or state prisons throughout the State of Missouri. $43,000 of that went to a single inmate in Missouri’s Cook County Jail.

While the recipients may now face state and/or federal criminal fraud charges in addition to their previous charges, the overpayments in Missouri are simply a small indication of the larger, systematic overpayments—more than $13.7 billion this year!—that are a regular occurrence across the country.

Unfortunately there is little that can be done to force those who have maliciously collected improper payments to repay their debt, which has further weakened the already unstable UI system. And, as is to be expected in an employer funded tax pool that has already been maxed out in many states, the overpayments—whether intentionally improper or not—have strained the ability of businesses to further develop, which has prevented necessary workforce expansions. And ultimately continues to hurt the economic recovery.

Although unemployment benefits only provide a portion of a jobless workers former wages (when properly collected), the benefit funds allow those still looking for work to continue supporting themselves by paying for basic household and living expenses, which has allowed nonprofits that serve those hardest hit by the financial depression to reach a greater portion of the population most dependent on their services for basic living needs.

According to the Congressional Budget Office though, more than $250 billion have been spent on unemployment benefits in the last five years, with more than two million jobless workers currently receiving expanded UI benefits from the Federal Government, which totaled $94 billion in the last fiscal year alone.

For nonprofits still paying into the state’s pooled UI tax system, continued overpayments and the high cost of paying for the unemployment trends at other, larger companies, further creates a drain on much needed monetary resources that could be better directed back toward their founding mission.

To learn more about how your nonprofit can opt out of the state’s UI tax system and reduce unemployment costs request a quote today.

Founded in 1987, the Minnesota Council of Nonprofits has been a UST partner since 1990 and is the largest state association of nonprofit s in the U.S. Founded to meet the increasing informational needs of nonprofits, MCN provides the capacity to do together what these organizations could not do individually.

Working to inform, promote, connect and strengthen individual groups and the nonprofit sector as a whole, MCN joins nonprofits together to work on issues of common concern. Since its inception, they have served thousands of member organizations, formed numerous chapters, sponsored countless annual conferences and sees a myriad number of unique website visitors per week.

Some of the tools available through the MCN Resource Library include:

  • Fundraising planning
  • Nonprofit Marketing
  • Education and professional development for nonprofit managers and leaders
  • Leadership and Governance
  • Public policy education and civic engagement
  • Cost saving product partnerships
  • Research on nonprofit sector trends and tax budget issues
  • Advocacy at local, state and federal levels
  • And much more…

MCN continuously aims at strengthening nonprofits’ inclusion and engagement practices while increasing the sector’s effectiveness in serving new and underrepresented populations. Dedicated to ensuring that nonprofit organizations from across all interests accomplish their missions for a healthy, cooperative and just society, MCN has grown from a grand idea to a solid foundation with 22 state allies and numerous national affiliations. For more information on the Minnesota Council of Nonprofits visit http://www.minnesotanonprofits.org/.

With $30 million in potential unemployment liability mitigated last year for over 2,100 nonprofits, it’s likely that your nonprofit could be overpaying. This short 30-minute webinar reveals some of the most common unemployment & HR risks that can cost your nonprofit thousands of dollars. After identifying the risks, this webinar reveals UST’s top recommendations to combat these issues.

Nonprofit Executives, Directors, and HR staff with 10 or more employees should register to learn about:

  • Reducing unemployment tax liability as a 501(c)(3)
  • Benchmarking unemployment costs
  • Protecting funding from claims and liability
  • Efficiently managing unemployment claims, protests, and hearings
  • Avoiding costly HR mistakes
  • Enhancing goodwill by utilizing outplacement services

The webinar will also explore UST’s holistic program, created by and for nonprofits, which can help further lower your unemployment and HR liability. You can also get your questions answered live by an expert HR advisor at UST.

Register for your preferred webinar date at: https://attendee.gotowebinar.com/rt/3707595373010251522

Even if you can’t attend live, when you register we’ll send you the recording as well as any handouts you’ll need to make sure your nonprofit is in compliance.

Nonprofits rely on their dedicated, engaged employees to further advance their organizations’ missions. A lax recruitment process, or weak new hires, can jeopardize valuable time and money pertinent to a mission’s success, though.

Because the hiring process tends to be more strenuous for nonprofits due to their typically smaller size and salary rate, a concise recruitment procedure is imperative.

Don’t risk hiring the wrong individual just to end a painful hiring process. Learn how your organization can better identify great job candidates in a fast and efficient manner.

Substantially improve your recruitment process using these six easy-to-manage steps:

  1. Create a truthful job description that depicts both the job expectations and the company as a whole. You want to attract a candidate whose skills match that of the position’s requirements, and whose personality/interest will fit well in the organization. Falsifying this content could attract the wrong candidates and lower retention rates.
  2. Develop a multiple-step hiring practice. Having numerous hiring phases will eliminate those seeking ANY job. You want someone who is truly interested in what your company has to offer.
  3. Take part in the interview process. Because you know exactly what you’re looking for in a potential new hire, it’s extremely important to get involved as early as possible. Whether it is phone interviews or resume reading, you play a crucial role in weeding out unfit candidates.
  4. Build your interview around the position’s desired qualities. Create interview questions that reflect roles and characteristics needed for the position. This will help you identify how many qualities each candidate possesses.
  5. Have others play a role in the interview process. When it comes down to the final candidates, having other staff members you trust involved with making the final decision will help alleviate any uneasiness or anxiety. Having worked with you, these team members could help with the decision-making process when you’re on the fence.
  6. Set a realistic, yet firm, onboarding timeline. Allow 3 months to search for the right candidate, 1 month in order for the new hire to give notice, and 2 months for training purposes. This will give you both short term and long term hiring goals and will prevent you from abruptly hiring the wrong individual.

By reorganizing your hiring process, using these tips and suggestions, you can effectively sort through hundreds of applications and interviews and successfully identify great potential employees. Remember, combining both personal instinct and organizational intelligence can help you build a strong foundation for your organization’s mission development.

Read more tips on how to hire right here.

Humans are social creatures by nature. We work together, play together, and live together – we communicate on a daily basis with little to no effort. Verbal and non-verbal, quietly or loudly, we’ve been communicating our whole lives, so why, is it sometimes so difficult?

When people communicate effectively, in a way that makes all parties feel heard, even conflict and criticism can be constructive and lead to positive results. In business, a lack of effective communication can be detrimental. People are hired for jobs that they are knowledgeable about and have the skills to perform – but if they can’t interact with those around them in a productive manner, the whole team suffers and so does the bottom line.

Communication isn’t just about the words we say. It also includes the way we say it and the physical signals we use. Being able to read people’s nonverbal communication, such as body language and facial expressions, can give a much deeper understanding of the message being transmitted. Often times, conflict arises when written text is taken out of context because there are no visual signs that come along with it. Say the wrong thing, and the infrastructure of a team can quickly fall apart – effective communication can actually help build trust and employee engagement.

Tips on how to increase positive communication:

  1. Listen carefully – pay attention and ask clarifying questions
  2. Speak clearly – be concise and show confidence
  3. Watch your body language – make frequent eye contact
  4. Be respectful– put away the distractions
  5. Up your empathy – verbal or non-verbal feedback

People communicate differently depending on their personal and professional backgrounds. Some may need more mentoring than others on best practices. It all comes down to getting to know the people you’re communicating with and being able to adjust your communication style accordingly. Developing good communication skills is a must and good managers know that communication is a key factor in success and a vital part of teamwork.

Here at UST we’ve put together our Top 10 guides for 2017 Nonprofit Human Resource management. And for a limited time we’re giving them away for FREE.

You can use these tools to make sure your nonprofit is in compliance all year long. Plus, you’ll learn the top trends in nonprofit job satisfaction so you can retain your mission’s best assets: your staff. Click below to download the full toolkit, courtesy of UST and ThinkHR:

  1. Quick 2017 HR Practices Checklist
  2. Federal HR Compliance Chart
  3. Federal Recordkeeping Requirements Checklist
  4. Small Employer ACA Checklist
  5. Large Employer ACA Checklist
  6. Workers’ Compensation Audit Checklist
  7. 2017 State and Federal Minimum Wages
  8. 6 Reasons Nonprofit Employees QUIT eBook
  9. Webinar Recording: Updating Your Employee Handbook
  10. Unemployment Cost Analysis Form

Download Now

Still have questions? Don’t forget we’re here for any of your unemployment cost questions or to set you up with a free 30-day trial of our HR Workplace, where nonprofits can get HR questions answered in just 24 hours, and explore our step-by-step Employee Classification, Handbook, and Salary Tools.

Is your business a franchise operation? Do you have employees who also work for another company where joint employer liability could be triggered? Are you concerned about the risks you may not even know you have with the employment rules as a joint employer, franchisee or franchisor? Or do you think you have it all figured out now and are concerned with how the Trump administration may change the employment law landscape relating to your business?

Presented by Gary Wheeler, Partner at Constangy, Brooks, Smith & Prophete LLP, this on-demand webinar addresses the key topics and situations you will face in 2017, including:

  • Employment rules
  • Wage and hour issues
  • Employee leave and accommodation issues

This presentation will break down these challenging concepts into plain English and give you information you can use to minimize the risk of costly lawsuits. This is a must-attend event for franchisees and franchisors as well as joint employer groups.

Watch the webinar recording today!

This webinar offers 1 HRCI and 1 SHRM general credit. Want access to more HR-certified webinar opportunities and a live HR hotline? Visit www.chooseust.org/thinkhr/ to sign up for a FREE 30-day trial of the UST HR Workplace, powered by ThinkHR.

At the Unemployment Services Trust (UST), we’re immensely proud of and thankful for our 80+ Affinity Partners. Each association nurtures a mission that stems from the desire of wanting to make the world a better a place. And every year, we join forces to support our nonprofit communities across the nation.

Because we sincerely believe that we are better together, we’re excited to announce the start of our new Better Together monthly blog series—spotlighting our partners’ ongoing mission-driven achievements.

Endorsing the UST program since 2002, LeadingAge is the trusted voice for the aging in America. Founded in 1961, LeadingAge has a long, dedicated history in providing older adults with quality services.With 6,000 members and 38 state partners, as well as representing 43 states from Arizona to New York, LeadingAge has impacted the entire field of aging services across the globe.

An association of community-based nonprofit organizations, based in Washington, D.C., LeadingAge is dedicated to making America a better place to grow old through a wide variety of services which include assisted living, adult day services, home health, transportation, home-delivered meals, hospice and much more.

In the last 50 years, LeadingAge has:

  • Raised thousands of dollars for the aging community
  • Awarded countless innovation grants
  • Provided meeting space to community groups and nonprofits
  • Served on more than 20 boards for national and community-based organizations
  • Collected clothing, toys, and equipment for Martha’s Table
  • Provided employment opportunities
  • Performed hundreds of hours of community-based volunteer services

LeadingAge leads in innovative practices to transform how they serve the aging population while also providing the essential framework and resources needed to help people achieve a successful future. For more information on LeadingAge visit www.leadingage.org.

It’s a familiar situation. A notice arrives informing you that your long-term employee, recently let go due to an unavoidable loss in funding, has filed for unemployment. “Oh,” you think, “nothing to do here. Of course Bob is entitled to unemployment benefits.” You set the notice aside and go about your day.

But wait, what’s wrong with this picture? You may not realize it, but disregarding that notice has just exposed your organization to serious risks.

UI Integrity

What is UI Integrity? Depending on which state you work in, it may already be familiar, but if you haven’t seen the impact of this federal legislation yet, it’s coming. Passed as part of the Trade Adjustment Assistance Extension Act of 2011, compliance with UI Integrity provisions is required of all states no later than October of 2013.

UI Integrity was designed to address one of the biggest weaknesses of Unemployment Insurance funds nationwide: the persistence of unemployment benefits paid in error. In fiscal year 2011 alone, nearly 12% of unemployment benefits nationwide—approximately $13 billion dollars—were paid in error. While a common conception is that benefits paid in error are the result of bureaucratic incompetence, the truth is that most of these unwarranted payments occur when the state awards benefits to an applicant whose claim is later overturned. Frequently, the decision to award benefits is reversed when the employer offers information that wasn’t provided to the state in response to their initial request.

To address this problem, UI Integrity requires employers to provide complete and timely information for all unemployment claims in response to the state’s first request. And to make sure the reform yields the necessary savings, this law has teeth. Any employer that fails to provide a complete and timely response to a claim loses any hope of relief from charges attributable to that claim—even if you ultimately win the claim, you’re still on the hook for any benefits paid to the claimant.

Even more alarming, if the state identifies a pattern of failure to provide complete and timely responses, your organization and your claims administrator are at risk of permanently losing valuable protest rights and/or facing monetary penalties.

The bottom line on UI Integrity is that your organization has to be prepared to provide a response to every claim, every time.

At UST, our goal is to do everything we can to help minimize our members’ unemployment costs. As a claims administrator, we help nonprofits respond in a timely manner to all unemployment claims, which gives us the best opportunity to save more funds for our members’ missions. Learn more about UST claim management here: https://www.chooseust.org/claims-savings/

With $30 million in potential unemployment liability mitigated last year for over 2,100 nonprofits, it’s likely that your nonprofit could be overpaying. This short 30-minute webinar reveals some of the most common unemployment & HR risks that can cost your nonprofit thousands of dollars. After identifying the risks, this webinar reveals UST’s top recommendations to combat these issues.

Nonprofit Executives, Directors, and HR staff with 10 or more employees should register to learn about:

  • Reducing unemployment tax liability as a 501(c)(3)
  • Benchmarking unemployment costs
  • Protecting funding from claims and liability
  • Efficiently managing unemployment claims, protests, and hearings
  • Avoiding costly HR mistakes
  • Enhancing goodwill by utilizing outplacement services

The webinar will also explore UST’s holistic program, created by and for nonprofits, which can help further lower your unemployment and HR liability. You can also get your questions answered live by an expert HR advisor at UST.

Register for your preferred webinar date at: https://attendee.gotowebinar.com/rt/3707595373010251522

Even if you can’t attend live, when you register we’ll send you the recording as well as any handouts you’ll need to make sure your nonprofit is in compliance.

With $30 million in potential unemployment liability mitigated last year for over 2,100 nonprofits, it’s likely that your nonprofit could be overpaying. This short 30-minute webinar reveals some of the most common unemployment & HR risks that can cost your nonprofit thousands of dollars. After identifying the risks, this webinar reveals UST’s top recommendations to combat these issues.

Nonprofit Executives, Directors, and HR staff with 10 or more employees should register to learn about:

  • Reducing unemployment tax liability as a 501(c)(3)
  • Benchmarking unemployment costs
  • Protecting funding from claims and liability
  • Efficiently managing unemployment claims, protests, and hearings
  • Avoiding costly HR mistakes
  • Enhancing goodwill by utilizing outplacement services

The webinar will also explore UST’s holistic program, created by and for nonprofits, which can help further lower your unemployment and HR liability. You can also get your questions answered live by an expert HR advisor at UST.

Register for your preferred webinar date at: https://attendee.gotowebinar.com/rt/3707595373010251522

Even if you can’t attend live, when you register we’ll send you the recording as well as any handouts you’ll need to make sure your nonprofit is in compliance.

Terms Of Use

Privacy Policy and Terms of Use

UST maintains a secure site. This means that information we obtain from you in the process of enrolling is protected and cannot be viewed by others. Information about your agency is provided to our various service providers once you enroll in UST for the purpose of providing you with the best possible service. Your information will never be sold or rented to other entities that are not affiliated with UST. Agencies that are actively enrolled in UST are listed for review by other agencies, UST’s sponsors and potential participants, but no information specific to your agency can be reviewed by anyone not affiliated with UST and not otherwise engaged in providing services to you except as required by law or valid legal process.

Your use of this site and the provision of basic information constitute your consent for UST to use the information supplied.

UST may collect generic information about overall website traffic, and use other analytical information and tools to help us improve our website and provide the best possible information and service. As you browse UST’s website, cookies may also be placed on your computer so that we can better understand what information our visitors are most interested in, and to help direct you to other relevant information. These cookies do not collect personal information such as your name, email, postal address or phone number. To opt out of some of these cookies, click here. If you are a Twitter user, and prefer not to have Twitter ad content tailored to you, learn more here.

Further, our website may contain links to other sites. Anytime you connect to another website, their respective privacy policy will apply and UST is not responsible for the privacy practices of others.

This Privacy Policy and the Terms of Use for our site is subject to change.

Privacy Policy

Privacy Policy and Terms of Use

UST maintains a secure site. This means that information we obtain from you in the process of enrolling is protected and cannot be viewed by others. Information about your agency is provided to our various service providers once you enroll in UST for the purpose of providing you with the best possible service. Your information will never be sold or rented to other entities that are not affiliated with UST. Agencies that are actively enrolled in UST are listed for review by other agencies, UST’s sponsors and potential participants, but no information specific to your agency can be reviewed by anyone not affiliated with UST and not otherwise engaged in providing services to you except as required by law or valid legal process.

Your use of this site and the provision of basic information constitute your consent for UST to use the information supplied.

UST may collect generic information about overall website traffic, and use other analytical information and tools to help us improve our website and provide the best possible information and service. As you browse UST’s website, cookies may also be placed on your computer so that we can better understand what information our visitors are most interested in, and to help direct you to other relevant information. These cookies do not collect personal information such as your name, email, postal address or phone number. To opt out of some of these cookies, click here. If you are a Twitter user, and prefer not to have Twitter ad content tailored to you, learn more here.

Further, our website may contain links to other sites. Anytime you connect to another website, their respective privacy policy will apply and UST is not responsible for the privacy practices of others.

This Privacy Policy and the Terms of Use for our site is subject to change.