Unemployment insurance tax rates for most businesses will fall in 2014 as the state economy improves and more people return to work, according to the Illinois Department of Employment Security.  Employers who did not reduce their workforce in 2013 typically will see the greatest savings.  Lower tax rates and stronger tools to stop waste, fraud and abuse were part of 2011 legislation that reformed the unemployment insurance program and contributed to saving more than $271 million in the past two years.  Illinois’ Unemployment Insurance taxes make up 0.7 percent of the average employer’s per-employee compensation cost – or seven-tenths of one cent for each dollar paid.  Unemployment insurance tax rates generally are separated by business type, such as transportation and warehousing or mining.  Each of these nine types is lower in 2014.  Minimum and maximum tax rates also are established.  Additionally, there is a .55 percent fund building rate all employers pay.  Tax rates in 2014 are applied to the first $12,960 of wages.  These taxes pay for benefits that workers receive when they are laid off.