Eugene-Springfield, Oregon · Founding 2026

The economy of Eugene-Springfield
isn't broken by accident.
We're fixing it on purpose.

HAC-ES — the Human Asset Cooperative — is being built inside the systems that already exist, using the tools those systems already provide, to prove that a different economy is possible right here, right now. Every cooperative formed. Every worker trained. Every dollar recirculated. Evidence, accumulating.

$380B
Estimated human capital value across 380,000 residents
$101B
Regional property wealth available to leverage
$1M+
Your estimated personal human asset value — the cooperative is built to invest in it
"The economic conditions of Eugene-Springfield are not the inevitable result of natural forces. They are the accumulated consequence of choices. HAC-ES is the act of choosing differently."
— HAC-ES Articles of Incorporation, Preamble (2026)
MOVEMENT 01

Use the system's own tools

Oregon cooperative law. Federal grants. EWEB rebates. Lane Workforce Partnership. We are not outside the system — we are a new participant in it, operating on different principles, competing on outcomes.

Read our full story →
MOVEMENT 02

Demonstrate what the system is missing

When HAIS matches a member to food, training, and an EWEB rebate in one intake conversation — and a government agency would have required three separate applications — that is a demonstration. Evidence that the system's own goals are better achieved through our model.

Employment strategy →
MOVEMENT 03

Use the evidence to change the rules

The Middle-Out Policy Scorecard. Testimony before City and County planning bodies. Data from Lane County, about Lane County residents, produced by an institution operating in their jurisdiction. A different kind of political ask — much harder to dismiss.

Read the framework →
What is HAC-ES?

A cooperative that treats
you as the investment.

HAC-ES — the Human Asset Cooperative of Eugene-Springfield — is a member-owned nonprofit cooperative that does something no bank, government program, or charity has ever done: it looks at every person in our community and says you are worth investing in, then builds the financial and technological infrastructure to actually do it.

It operates as a hybrid dual-entity structure: a 501(c)(3) nonprofit that handles grants and charitable programs, and a worker cooperative whose members earn Human Asset Dividends based on their labor contributions. Part credit union, part Alaska Permanent Fund, part worker cooperative federation, part AI-powered community wealth fund. Governed by its members. Designed to be impossible to corrupt. Grounded in Market Humanism, the economic framework built to replace fifty years of failed neoliberal theory.

Member-owned cooperative 501(c)(3) Nonprofit + Worker Co-op AI-governed Anti-extraction Human Asset Dividend Democratic

What does it mean for you?

😰
I'm struggling to make ends meet
Rent, groceries, medical bills — it's too much

HAC-ES is built for you first. The Human Asset Fund's Priority 1 and 2 deployments put emergency help and guaranteed basic needs before everything else — no waitlist, no means test, no shame. You're a member. This is what membership is for.

  • Emergency food, housing, and healthcare support — same-day for crises
  • HAIS matches you to every available community resource in minutes
  • EWEB heat pump rebates up to $4,500 navigated for you automatically
  • Training stipends so you can build skills without choosing between food and your future
  • Basic needs security means you can negotiate — not just accept whatever job you're offered
😤
I'm doing okay but the math doesn't add up
Working hard, still falling behind

You're not in crisis — but you know something is wrong. Housing costs more than it should. Healthcare is a gamble. Retirement feels further away every year. HAC-ES is collective bargaining for everyday life.

  • Bulk community solar subscriptions cut your electric bill 10–20%
  • Collective purchasing on healthcare and insurance — cooperative pricing, not individual rates
  • Human Asset Dividend — as the Fund grows, you get a share, modeled on Alaska's Permanent Fund
  • Employee ownership connections — jobs that share the wealth they create
  • A community wealth fund that grows with your membership, not without you
💼
I'm out of work and can't find the right job
The job market isn't working for me

Unemployment is a market design failure, not a personal failure. HAC-ES attacks it from seven angles at once — matching, training, job creation, green economy, cooperative incubation, unpaid work recognition, and policy change.

  • HAIS Employment Module matches you to Organizational Member job openings before they're publicly posted
  • Skills gap analysis — "you're two certifications from a living-wage job" — and the Fund pays for training
  • Green Jobs Pipeline: clean energy, weatherization, solar, and EV installation jobs that are growing right now
  • Cooperative business incubation — become a founder if the right job doesn't exist yet
  • Service contribution credits recognize unpaid caregiving and community work
🏢
I run a business or nonprofit
I want to do good and still make it work

You didn't start your organization to extract value from your community. HAC-ES gives you the infrastructure to be the kind of organization you actually want to be — and proves to your customers, funders, and employees that you mean it.

  • AI-powered grant intelligence finds funding you're missing
  • Stakeholder certification — a public trust signal that you walk your values
  • Collective purchasing cuts your healthcare and insurance costs
  • Access to HAC-ES's member talent pipeline for mission-aligned hiring
  • Employee ownership transition support — free technical assistance when you're ready
🤨
Sounds too good to be true
I've heard promises before

Fair. Here's the honest version: HAC-ES works because of structure, not goodwill. There's no CEO extracting profit. No wealthy donor board deciding who deserves help. No algorithm trained to deny your claim.

  • It's a cooperative — you own it, you govern it, you vote on how every dollar is spent
  • Anti-extraction is written into the Articles of Incorporation — legally, no private party can take from the Fund
  • The AI system has a published Governance Charter you can read and the right to override it
  • Every financial statement is published publicly and audited annually
  • This model works — credit unions work, worker cooperatives work, Alaska's Fund works. We're combining all of them.
Our foundation

Five principles. One economy.
Built for people.

We draw from Nick Hanauer and Eric Beinhocker's Market Humanism framework — a complete alternative economic paradigm grounded in 21st-century science.

RULE 01

Economies are gardens, not jungles

Markets must be tended. HAC-ES is the tending infrastructure Lane County's economy requires.

RULE 02

Inclusion creates growth

The economy is people. Every dollar invested in a member's basic needs is economic stimulus — not charity.

RULE 03

Corporations serve all stakeholders

Workers, customers, community, and owners alike. Every Organizational Member commits to this in writing.

RULE 04

Cooperation beats greed

Extraction is architecturally impossible here. Every surplus returns to the Human Asset Fund.

RULE 05

Economics is a choice

Unlike the laws of physics, the laws of economics are ours to write. We are writing them now.

How it works

The Human Asset Cooperative model

A three-layer system connecting people, organizations, and AI-governed capital — growing from the middle out.

👤
01

You join as an Individual Member

Complete your Human Asset Profile. Your economic potential, personal assets, and basic needs are assessed — not for screening, but for resource matching. You become a co-owner of the Cooperative.

🏢
02

Organizational Members provide capacity

Nonprofits, worker cooperatives, and employee-owned businesses join and declare what basic needs they can help fulfill. The network becomes the delivery infrastructure for the Human Asset Fund.

🤖
03

The HAIS matches resources to needs

The Human Asset Intelligence System continuously matches your needs to available services, navigates government rebates and programs on your behalf, and administers the Fund — with full human oversight and democratic accountability.

🌱
04

The Fund grows and distributes

Member contributions, government grants, community investments, and asset leverage combine to grow the Human Asset Fund. The worker cooperative distributes annual Human Asset Dividends to members using a patronage formula: Dividend = (Your Labor Units ÷ Total Units) × Distributable Pool. Founding members receive a 1.5× multiplier. No active member is excluded.

Theoretical foundation

Built on Market Humanism

From Beinhocker & Hanauer's Markets Built for Humans (Middle Out Center, 2026) — a complete alternative to the neoliberal consensus, grounded in complexity economics and 21st-century science.

Design Principle 1
Problem-solving over output
Success measured by human flourishing, not GDP
Design Principle 2
Maximize inclusion
Inclusion is the engine of growth, not its reward
Design Principle 3
Build the middle class
Large middle classes are built by institutions, not markets alone
Design Principle 4
Limit power concentration
No individual or entity accumulates disproportionate influence
Design Principle 5
Balance competition and cooperation
Cooperation and reciprocity as the generative economic force
Design Principle 7
Align business with purpose
Every Organizational Member commits to solving human problems
$20B+
Annual regional economic output
$12.2B
Annual cost to cover all basic needs for 380K people
67%
Eugene Climate Action Plan 2.0 implemented — HAC accelerates the rest
2,490
Nonprofits in the Eugene metro — our Organizational Member pipeline
Ready to join?

Be part of the founding cohort.

The first 500 Individual Members and first 20 Organizational Members are the founding cohort — permanently recognized as the people who built this.

Explore HAC-ES in depth
Join HAC-ES

Membership in the
Human Asset Cooperative

Whether you're an individual who wants your basic needs secured and your potential invested in, or an organization ready to commit to serving all your stakeholders — there is a place for you here.

Individual membership

You are a million-dollar asset.
Invest accordingly.

Individual membership is open to any person 18+ who lives or works in Lane County. No one is excluded based on ability to pay — a hardship waiver is automatically approved for anyone who needs it.

Your Human Asset Value

Your lifetime economic potential plus your personal assets form the basis of your cooperative equity stake. Adjust the sliders to see your estimated value — used only for resource matching, never for screening.

$1,270,000
estimated human asset value
Income potential
$1,020,000
Personal assets (net)
$250,000
30 yrs
$40,000
Membership tiers

Choose what works for you

Open to all
Hardship waiver
$0/year
Auto-approved. No documentation required. Economic inclusion is never conditional on ability to pay.
Community
Community
$60/year
$5/month equivalent. Full membership rights and governance participation.
Advocate
Advocate
$300/year
$25/month. Additional Fund contribution and expanded community impact.
Founding — first 24 months
Founding patron
$1,000/year
Permanent founding recognition. 1.5× Human Asset Dividend multiplier (Years 1–3), immediate vesting, priority in all programs. Limited to first 500 members.
What you receive

Your membership benefits

🏠

Basic needs support

Housing stability, food security, healthcare access, education, digital connectivity — HAIS matches you with available resources in real time.

🌿

Green energy navigation

EWEB heat pump rebates up to $4,500, community solar bill credits, e-bike access, and weatherization programs — HAC navigates every application for you.

🗳️

Democratic governance

One member, one vote. Elect the Governing Council, run for office, submit proposals, and co-own the AI system that runs the Cooperative.

💰

Human Asset Dividend

Cooperative members earn annual patronage dividends based on labor contributions. Formula: Units = Hours × Role Multiplier × Tenure Multiplier. Founding members: 1.5× multiplier (Years 1–3), immediate vesting. Standard members: 1.0× → 1.2×, 24-month vesting. Minimum floor ensures no active member receives zero.

📊

Human Flourishing Dashboard

Track your Cooperative's impact — Basic Needs Coverage Rate, Inclusion ROI, Middle-Class Security — published monthly, owned by members.

🔒

Data sovereignty

Your data belongs to you. Never sold, never used for advertising. Request a copy or deletion at any time. Protected by Oregon law and our AI Governance Charter.

Organizational membership

Build the economy
your community deserves.

HAC-ES prioritizes nonprofits, worker cooperatives, employee-owned businesses, CDFIs, and benefit corporations. Organizations that have already committed to serving all their stakeholders belong here.

Tiers

Organizational membership tiers

Worker cooperatives and employee-owned businesses (ESOPs) receive a 50% discount on all tiers.

TierAnnual revenueAnnual contributionNotes
Micro organization Under $100K $100/year Worker co-ops / ESOPs: $50/year 50% discount
Small organization $100K–$500K $250/year Worker co-ops / ESOPs: $125/year 50% discount
Mid-size organization $500K–$2M $750/year Most common tier. Full platform + co-branding + Governing Council nomination rights.
Large organization $2M–$10M $1,500/year Worker co-ops / ESOPs: $750/year 50% discount
Anchor institution Over $10M Negotiated Minimum $5,000/year. Strategic partnership, co-investment, CBA development.
Organizational member benefits

What your organization receives

🤖

HAIS platform access

AI-powered grant intelligence, impact measurement, needs matching, and stakeholder reporting tools at preferential rates.

👥

Member talent pipeline

Access HAC-ES's growing member base for mission-aligned hiring, skills-matched to your workforce needs through the HAIS employment module.

🏅

Mission-alignment certification

Public directory listing with HAC-ES stakeholder certification — a trust signal for customers, funders, and partners that you walk your values.

🛒

Collective purchasing power

Healthcare, insurance, supplies, and services negotiated collectively across the entire Organizational Member network.

🔄

Employee ownership support

Considering a co-op or ESOP conversion? Free technical assistance and Oregon Employee Ownership Center connections — free to Organizational Members.

🏛️

Government funding navigation

CDBG, HOME, EWEB grants, Lane County CED, IRA programs — HAIS monitors and navigates every government funding opportunity for your organization.

Founding enrollment opens soon

HAC-ES is in its founding phase. Member enrollment — individual and organizational — opens once the founding legal filings are complete. Until then, this site is the public reading room: every founding document, framework, and analysis is downloadable below, because the model is open-source by design.

Want to be notified when enrollment opens, or represent an organization interested in the founding cohort? Watch this page — contact channels will be posted here when applications go live.

Related topics
Documentation & Resources

Everything we stand on
is open to everyone.

HAC-ES is committed to radical transparency. Every founding document, governance framework, and supporting analysis is public. These documents are the proof-of-concept infrastructure for a different kind of economy — open-source by design, built to be replicated. The model is designed to be replicated — download everything.

📋 Legal & Governance

🏛️ Hybrid Structure — New Legal Documents (2026)

Dual-entity structure: 501(c)(3) Nonprofit Corporation + Worker Cooperative. These six documents reflect the updated organizational structure and replace the prior single-entity Articles and Bylaws. The nonprofit entity has its own site: Human Asset Nonprofit (HAN) →

DOCX

Articles of Incorporation — Nonprofit

Oregon ORS Chapter 65 articles establishing the 501(c)(3) nonprofit. Governs charitable programs, grants, and tax-exempt fundraising. Donations are tax-deductible under IRC §501(c)(3). Includes anti-private-benefit and dissolution provisions.

Legal501(c)(3)NEWDownload ↓
DOCX

Articles of Incorporation — Cooperative

Oregon ORS Chapter 62 articles establishing the worker cooperative. Governs operations, membership, and Human Asset Dividend distributions under Subchapter T of the Internal Revenue Code.

LegalWorker Co-opNEWDownload ↓
DOCX

Bylaws — Nonprofit

Governance for the 501(c)(3) entity: board structure (includes cooperative member representation), officer duties, conflicts of interest, and financial controls. ORS Chapter 65.

LegalGovernance501(c)(3)Download ↓
DOCX

Bylaws — Cooperative

Governance for the worker cooperative. Article VI contains the full Human Asset Dividend formula: Pool = Revenue − Ops (55%) − Reserve (15%) · Units = Hours × Role Multiplier × Tenure Multiplier · Founding members: 1.5× (Yrs 1–3) · Minimum floor: no active member gets zero.

LegalHAD FormulaNEWDownload ↓
DOCX

Inter-entity Services Agreement

The contract linking the nonprofit and cooperative. Fair market value compensation, conflict of interest rules for shared members, annual review requirements, and Exhibit A/B service rate tables. Protects 501(c)(3) status.

LegalFair Market ValueNEWDownload ↓
DOCX

Member Handbook

Plain-language guide with worked dividend example ($100K revenue, 20 founding members). Covers founding vs. standard member tiers, capital accounts, dual entity membership, grievance process, and tax obligations. Includes member acknowledgment form.

MembersHAD FormulaNEWDownload ↓

🔄 Proven Mechanisms Integration & Dual-Entity Consolidation (July 2026)

Adopted July 2026: the mechanisms that make the world's working cooperative systems succeed — Mondragon's solidarity fund and member security, Emilia-Romagna's 3% rule and indivisible reserves, Evergreen's anchor procurement — integrated across the HAC-ES document set, together with the dual-entity restructuring records. All framework and strategy documents above are now available in consolidated July 2026 editions.

DOCX

Area-Wide Cooperative Models

Survey of the world's working cooperative systems — Mondragon, Emilia-Romagna, Evergreen, Preston — establishing the federation model as the workable architecture for area-wide cooperation in Lane County.

ResearchNEWDownload ↓
DOCX

Proven Mechanisms, Adapted

The concrete rules, funds, and programs behind each working system — the 10% solidarity pool, Lagun Aro-style member security, the 3% development levy, indivisible reserves, Marcora-style buyout matching, anchor procurement — and how each is implemented inside the HAC-ES structure and phase plan.

FrameworkAdopted July 2026NEWDownload ↓
DOCX

The Dual-Entity Structure

Master document for the restructuring into two affiliated entities: the Human Asset Foundation (ORS Ch.65, 501(c)(3) path) for charitable programs, and the Human Asset Cooperative (ORS Ch.62) for operations, advocacy, and Human Asset Dividends.

LegalMasterNEWDownload ↓
DOCX

Articles & Bylaws — v5 (Dual-Entity)

Consolidated master with Amendment One (Proven Mechanisms: Solidarity Fund, 3% development levy, indivisible reserves, pay-ratio disclosure) and Amendment Two (dual-entity restructuring, Business Member class).

LegalCurrentNEWDownload ↓
DOCX

Integration Change Log

Change log and conflict-resolution memo for the Proven Mechanisms integration and dual-entity restructuring — every amended document, every conflict found and resolved, and the adoption checklist with counsel items C1–C4.

GovernanceAudit TrailDownload ↓

📐 Economic Framework

🤖 Technology & AI Governance

💼 Employment & Operations

💰 Finance & Member Benefits

DOCX

Member Asset Leverage Program

Six mechanisms for leveraging personal assets to capitalize HAC-ES: Member Loan Fund, Community Investment Notes, real estate collateral pledges, Community Land Trust contributions, equity stakes, and appreciated securities donations. Includes Founding Collateral Pledge template.

FinanceLegal Download ↓
DOCX

Growth Path & Fund Sustainability

Financial projections and sustainability model for the Human Asset Fund — how the Fund grows from launch through scale, revenue diversification strategy, reserve requirements, and the path to a self-sustaining Human Asset Dividend.

FinanceStrategy Download ↓
DOCX

Donor & Funder Overview

Overview for prospective funders and donors — the investment case for HAC-ES, the economic context in Lane County, the theory of change, and the specific funding opportunities available at the founding stage.

FundraisingFounding Download ↓
DOCX

Benefits Across All Income Levels

How HAC-ES serves members at every income level — from crisis and hardship through middle-class stability and wealth-holding. Demonstrates that the cooperative is not a program for the poor but a community infrastructure for everyone.

BenefitsMembers Download ↓
DOCX

Benefits for Retired Members & Social Security Recipients

Specific analysis of how HAC-ES serves retired members and Social Security recipients — green energy savings, healthcare navigation, cooperative dividend income, and community connection for members on fixed incomes.

BenefitsRetirees Download ↓

🌿 Green Infrastructure & Housing

🤝 Outreach & Partnerships

🌐 Supporting content & external links

Related topics
Founding member benefits

"What do I get
out of this?"

The most important question. Here is the most honest answer. Eight specific benefits, concrete financial values, and the straight accounting on what your $10 a month actually returns.

The eight benefits

Everything founding members receive

Some start immediately. Some grow over time. All are concrete, specific, and honestly valued.

BENEFIT 01
🏛️

Permanent founding status

Your name in the Oregon state filing. One of the first 500. A founding title that cannot be revoked, diluted, or purchased by later members regardless of how large HAC-ES becomes.

Permanent · Irreversible
BENEFIT 02
🏠

Basic needs safety net — now

Emergency support for housing, food, and healthcare crises from Day 1. The HAIS scans every Lane County resource and matches you to what you need without 17 separate applications.

Immediate · $5K–$20K for members in crisis
BENEFIT 03
📊

Human asset value recognized

Your lifetime economic potential — likely $500K–$2M — is formally entered as your cooperative equity stake. You are not a recipient of charity. You are an asset holder.

Avg. stake: $1.0M–$1.4M
BENEFIT 04
💰

The Human Asset Dividend

A periodic direct payment to every member as the Fund grows — modeled on Alaska's Permanent Fund. Founding members receive tenure weighting: you get more because you were here first.

Est. $200–$800/year · Growing annually
BENEFIT 05
🌿

Green energy programs navigated

EWEB is offering $4,500 for low-income heat pump installation right now. Most eligible people never apply. HAC-ES navigates it for you — plus community solar, weatherization, and IRA credits.

Year 1 potential: $1,000–$5,000+
BENEFIT 06
📚

Funded training pathway

HAIS tells you exactly what training closes the gap between you and a living-wage job. The Fund pays tuition. A monthly stipend means you can finish without working three jobs simultaneously.

Lifetime value: $200K–$600K in earnings
BENEFIT 07
🗳️

Democratic ownership and voice

You co-own the Cooperative. One member, one vote. You elect the Council, can run for office, submit proposals, and audit the AI system. No bank or nonprofit gives you this.

Permanent ownership · Founding Council weight
BENEFIT 08
⏱️

The 32-hour living wage network

First access to Preferred Hours Employers offering 32-hour work weeks at full living wages. The HAIS Job Sharing Registry matches you to positions that can be restructured around your life.

$3K–$8K/year time value · Plus wellbeing compounding
The honest accounting

What does $120/year actually return?

Three individual scenarios plus one organizational scenario. Conservative estimates based on public program values.

ItemAmountNotes
Membership cost($120)Annual Supporter tier — $10/month
EWEB community solar subscription$200–$40010–20% bill reduction; HAIS handles enrollment
EWEB heat pump rebate (if eligible)$800–$4,500Most eligible members never apply on their own
Weatherization grant (if eligible)$500–$2,000Oregon Energy Trust — HAIS identifies and navigates
IRA clean energy tax credit$300–$1,50030% credit on qualifying improvements
Time saved navigating programs$150–$6003–12 hrs at $50/hr — programs are genuinely complex
Net Year 1 return$1,830–$8,88015× to 74× return on a $120 investment
ItemAmountNotes
Membership cost($120)Annual Supporter tier
HAIS Pathway Plan career analysis$500–$2,000Value if purchased from a private career counselor
LCC certificate tuition — fully covered$1,500–$8,000Fund pays 100% — HVAC, healthcare support, tech, green energy
Training stipend (6 months)$9,000–$15,000$1,500–$2,500/month from Human Asset Fund Priority 3
Wage increase at first placement (Year 1)$8,000–$20,000Current vs. target occupation wage difference
Net Year 1 return$17,500–$43,000146× to 358× on $120 — highest-return scenario
Lifetime value (30 working years)$240,000–$600,000Compounded earnings premium over a career
ItemAmountNotes
Membership cost$0–$120Hardship waiver auto-approved if needed — $0 is fine
Emergency food support$200–$6003 months household food assistance connected by HAIS
Housing stability navigation$500–$3,000Rental assistance, mediation, prevention programs
Healthcare access navigation$300–$2,000OHP enrollment, free clinics, patient advocacy
Mental health support connection$500–$2,400Sliding-scale or free services matched same day
Priority 1 crisis response Fund deploymentUp to $500Same-day deployment — no documentation required
Net Year 1 return$1,500–$8,500When you need it most: 12× to 70× return
ItemAmountNotes
Membership cost (mid-size org)($750)$500K–$2M revenue tier
Grant intelligence — new grants found$30,000–$80,000AI scanning 24/7; most nonprofits miss $30K+/year
Collective purchasing — healthcare savings$3,000–$12,000Cooperative rates across the full Org Member network
Hiring savings (1 mission-aligned hire)$3,000–$8,000Recruitment costs avoided via HAIS talent pipeline
Government funding navigation (1 grant)$10,000–$50,000CDBG, EWEB, Lane County CED — realistic Year 1
Founding recognition — funder credibility$5,000–$20,000Documented value in foundation and donor relationships
Net Year 1 return$50,250–$169,25067× to 226× return on $750 — before compounding

The Founder's Premium: why being first permanently matters

In every cooperative and credit union that has ever grown to significance, the founding members captured benefits that later members never could. HAC-ES builds this in structurally — not as favoritism, but as honest recognition that early commitment is the rarest and most valuable contribution.

Dividend tenure weighting
Founding members earn more per dollar of Fund growth — always — because their tenure covers the entire growth history
Founding Patron tier
Closes permanently after 24 months. No amount of money can purchase this status after the window closes.
First Council election
The first 50 members elect the first Governing Council — the people who set the founding norms that persist for decades
What early members always say
"I was there when it mattered, before it was obvious." — What founding members of every great cooperative eventually say
The honest side

What you get. What you give. What we promise.

What HAC-ES commits to you

Deploy every Fund dollar per the priority hierarchy — your needs first, always
Publish complete audited financials annually and a monthly Fund Dashboard
Maintain your founding status permanently and unconditionally
Calculate and pay dividends with founding tenure weighting as specified
Keep the AI system fully transparent — every decision logged, every audit published
Treat your data as yours — never sold, deleted on request within 30 days
Remain a nonprofit cooperative permanently — unanimous vote required to change

What you commit to HAC-ES

Pay or contribute your membership tier honestly — cash or community service hours
Complete your profile so the HAIS can match you accurately
Participate in governance — vote, show up, submit proposals
Treat the Cooperative's resources as your own — because they are
Refer one other person who would benefit from membership
Be honest about your needs — the HAIS cannot help what it cannot see

Ready? The first 500 founding spots are limited. Founding Patron closes in 24 months.

Download full benefits doc
Related topics
Employment strategy

Unemployment is a market
design failure. We fix the design.

HAC-ES attacks unemployment from seven simultaneous directions — not a job board, but a community employment ecosystem that creates jobs, fills them, trains for them, supports people through gaps, recognizes unpaid work, and advocates for structural change. This is Movement 02 of our story: demonstrating through evidence that the system's own goals are better achieved through cooperative economic structures.

5.0%
Lane County unemployment (2025), up from 3.6% low in 2023
57%
of Lane County jobs pay below the average annual wage of $52,596
20+
Applications before first callback for entry-level workers in 2025
7
Levers HAC-ES pulls simultaneously to address root causes
The seven levers

Seven simultaneous attacks on unemployment

Each lever addresses a distinct root cause. They reinforce each other — basic needs security makes training possible; training enables matching; matching reduces demand for incubation; incubation creates employers.

LEVER 01
🤖

HAIS Employment Module: Real-Time Matching

A continuously updated map of who needs work, what they can do, and who's hiring among the Organizational Member network. Unlike job boards, the HAIS works for you every day — matching your profile to openings before they're publicly posted.

Available Phase 2 · Months 3–9
LEVER 02
🏭

Cooperative Employer Network: Creating Jobs

Identifying Lane County businesses with succession needs and helping employees buy them as worker cooperatives. Incubating new worker-owned enterprises in sectors with unmet needs. Making HAC-ES an anchor customer that de-risks new cooperative businesses from Day 1.

First conversions · Months 6–18
LEVER 03
📚

Human Asset Development: Eliminating the Skills Gap

HAIS identifies exactly what training stands between you and a living-wage job. The Human Asset Fund pays for it. A training stipend means you can complete a program without choosing between education and feeding your family.

First cohort · Months 3–6
LEVER 04
🏠

Basic Needs Floor: Removing the Desperation Premium

When survival is at stake, you can't negotiate. HAC-ES's guaranteed basic needs floor means you can decline exploitative jobs, hold out for work that matches your skills, and take the risk of starting something new. This is the most powerful employment lever we have.

Immediate · Phase 1
LEVER 05
🌿

Green Jobs Pipeline: The Clean Energy Transition

The IRA and Oregon's Climate Action Plan are creating the largest clean energy job wave in Lane County's history. The people who most need good jobs are the least connected to it. HAC-ES closes that gap — and counts the emissions reductions too.

Training partnerships · Months 6–12
LEVER 06
🤝

Full Economy Recognition: Unpaid Work Counts

Caregiving, community organizing, mutual aid — the market doesn't pay for these, but without them everything else falls apart. HAC-ES's time banking system credits this work, making it visible in our economic accounting.

Service credits · Phase 2
LEVER 07
🏛️

Policy Advocacy: Changing the Rules

Living wage ordinance. Antitrust enforcement. Worker empowerment. Childcare investment. Community benefit agreements with UO and PeaceHealth. The annual Middle-Out Policy Scorecard measures Lane County's progress and gives us a platform to push for structural change. This is Movement 03 — using evidence to change the rules.

First Scorecard · Month 12

🌿 Green Jobs Pipeline

The Inflation Reduction Act and Oregon's Climate Action Plan have created the largest clean energy job creation opportunity in Lane County's history. HAC-ES connects unemployed members to these jobs — and tracks the emissions reductions every placed worker generates, making the Green Jobs Pipeline one of the most fundable elements of the system.

🌡️
Heat pump installer
$52K–$72K · High demand
🏠
Weatherization installer
$42K–$58K · EWEB funded
☀️
Solar PV installer
$48K–$68K · Growing fast
EV infrastructure
$50K–$70K · EWEB expanding
🔍
Energy auditor
$50K–$65K · BPI certified
🌳
Environmental services
$38K–$55K · City contracts

How a Pathway Plan works

When HAIS identifies a closable skills gap, it generates a plain-language Pathway Plan — a single document telling you exactly what stands between you and a living-wage job, and how HAC-ES will fund the journey.

HAIS identifies your gap

Your skills profile is compared against Lane County's highest-demand, highest-wage occupations. HAIS identifies that you are 2 certifications away from a $58K/year heat pump installer role.

Pathway Plan generated

Plain-language plan: LCC HVAC certificate program, 6 months, $3,200 tuition. HAC-ES Fund covers 100% of tuition. $1,800/month training stipend from Human Asset Fund Priority 3.

3

You enroll — HAIS handles the rest

One click to enroll. HAIS coordinates with LCC, processes tuition payment, activates your stipend, and monitors your progress. Weekly check-in takes 2 minutes.

4

HAIS matches you to employers before you finish

At Month 4, HAIS begins matching your nearly-complete profile against Organizational Member contractors. You receive interview opportunities before graduation.

5

Placed in a living-wage job with a cooperative employer

Starting wage: $28/hour ($58K/year). Employer: HAC-ES Organizational Member, living wage certified, worker ownership pathway available. Your Human Asset Value increases by $840,000.

The Desperation Premium Index

Our primary proof point: members whose basic needs are secured make better employment decisions and achieve better outcomes. Every quarter, HAIS compares two member cohorts to measure the economic return on basic needs investment — the clearest evidence that HAC-ES's model works.

Without basic needs secured

Time to employment4.2 weeks avg
Starting wage$16.40/hr avg
Job quality score62/100
90-day retention71%
Declined below-standard offer12%

With basic needs secured

Time to employment5.8 weeks avg
Starting wage$22.10/hr avg
Job quality score84/100
90-day retention89%
Declined below-standard offer68%

* Projected outcomes based on comparable program data. HAC-ES will publish actual data quarterly once operational.

Download the full strategy

Employment Strategy Documents

DOCX

HAC-ES Employment Strategy

Complete 259-paragraph strategy document covering all seven levers, Lane County labor market context, implementation plan, and funding sources.

StrategyEmploymentDownload ↓
DOCX

HAIS Employment Module Specification

Full technical specification: data models, matching algorithm, skills gap engine, green pipeline, cooperative tracker, API endpoints, and outcomes dashboard.

TechnologyAIDownload ↓

Ready to put HAC-ES's employment ecosystem to work for you?

Related topics
Community Outreach Program

HAC-ES is for the whole community.
Not just members.

Our Community Outreach Program provides free resources, referrals, and direct support to any Lane County resident or organization — no membership required. We meet people where they are, and we help organizations build the capacity to serve them better.

For individuals

Free support — no membership needed

Any Lane County resident can access these services. No application. No fees. No obligation to join.

🧭

Resource Navigation

Not sure what help is available? Our outreach team maps available Lane County services to your specific situation — food, housing, healthcare, utilities, childcare, workforce programs — and walks you through how to access them.

Green Energy Benefits

EWEB rebates, Oregon Energy Trust programs, community solar subscriptions, and IRA home energy credits are available to any Lane County household — but the paperwork is confusing. We navigate it for you, free of charge, whether or not you join HAC-ES.

💼

Employment Guidance

Access our Lane County job market data, occupational demand forecasts, and skills gap resources. We connect non-members to Lane Workforce Partnership, Lane Community College certificate programs, and green jobs training pipelines.

🏡

Housing Stability Referrals

We connect individuals and families facing housing instability to SVdP Lane County, the Community Land Trust network, and Oregon emergency rental assistance programs — and advocate alongside them when systems are slow to respond.

📋

Benefits Navigation

OHP, SNAP, TANF, childcare subsidies, Social Security programs — we help Lane County residents understand what they qualify for, how to apply, and how to appeal denials. No fee, no membership, no catch.

🤝

Cooperative Economy Education

Free workshops and one-on-one conversations about worker cooperatives, community land trusts, credit unions, and the Market Humanism framework. We help individuals and groups understand how cooperative economic structures work and how to build them.

For organizations

Active support for mission-aligned organizations

Whether or not your organization has joined HAC-ES as an Organizational Member, we offer direct capacity support to nonprofits, worker cooperatives, and community groups serving Lane County.

Grant Intelligence Sharing

The HAIS continuously monitors the grant landscape for Lane County missions. We share relevant funding opportunities with non-member organizations working in food security, housing, workforce development, and cooperative economics — no strings attached.

Monthly grant digest available on request

Impact Measurement Assistance

Small nonprofits often lack the capacity to measure their own impact — and funders increasingly require it. We offer free facilitated impact measurement sessions using the HAC-ES Inclusion ROI framework, helping organizations articulate the community return on their work.

By appointment — no cost

Worker Cooperative Conversion Support

Is your business approaching an ownership transition? We connect Lane County business owners to the Oregon Employee Ownership Center, legal and financial advisors experienced in ESOP and cooperative conversions, and the HAC-ES cooperative incubator pipeline — free initial consultation.

Free initial consultation

Collective Purchasing Access

Non-member organizations can access HAC-ES collective purchasing programs for healthcare, insurance, and supplies on a provisional basis while exploring full Organizational Membership. We believe in demonstrating value before asking for commitment.

90-day provisional access available

AI & Technology Guidance

Small nonprofits and cooperatives are navigating an AI landscape that is moving faster than they can track. We offer free guidance sessions on responsible AI adoption, data governance, and how to evaluate AI tools for mission-aligned organizations.

Group workshops quarterly

Community Data Access

The HAIS aggregates Lane County labor market data, basic needs gaps, and community asset maps. Non-member organizations doing community needs assessments, grant applications, or program planning can request access to anonymized community data reports.

Data request form below
Our philosophy

The community is the cooperative.

HAC-ES is not a closed club. Membership deepens your access and your stake in the Cooperative — but it doesn't gate your access to support. We believe a healthier community is the precondition for a thriving cooperative, and a thriving cooperative is the precondition for a healthier community.

Every person we help — member or not — becomes part of the network of trust that makes this work. Outreach is not charity. It is Movement 01 of our strategy: demonstrating through action that the cooperative model delivers. Every organization we support becomes a potential partner. Outreach is not charity. It's community infrastructure.

How we engage organizations

A three-phase approach to organizational partnership

We don't cold-pitch. We earn our way in by demonstrating value first.

Phase 1 — Months 1–2

Mission Core Partners

Oregon New Economy Project, People's Collective, Hatch Oregon. Organizations whose mission alignment is explicit — we start here because their endorsement opens every door that follows.

Phase 2 — Months 2–4

Anchor Institution Partners

SVdP Lane County, Lane Workforce Partnership, Collaborative EDO. Anchor credibility and human services reach — organizations that touch thousands of Lane County residents already.

Phase 3 — Months 4–6

Cooperative Financial Institutions

OCCU, SELCO Community Credit Union. Cooperative financial sector support legitimizes the Human Asset Fund model and unlocks banking infrastructure for the whole cooperative.

Get support

Request outreach support

Tell us who you are and what you need. We respond within 2 business days. No membership required.

Related topics
Our Story

Building the proof of concept
that the economy can work
differently.

Not after a revolution. Not after the right people get elected. Right here, inside the economy as it exists, using the tools it already provides — and accumulating the evidence that makes change impossible to ignore.

Our Purpose

HAC-ES exists because the economy of Eugene-Springfield — like most American economies — works well for a minority of people and badly for the majority, and nobody has ever built an institution specifically designed to change that at the community level.

Not a charity. Not a government program. Not a startup. A cooperative — owned by its members, governed democratically, powered by AI, and structurally incapable of extracting value for private benefit.

The deepest purpose is to prove that a different kind of economy is possible, right here, with the people and institutions that already exist. HAC-ES is not asking anyone to believe in a theory. It is building the evidence base — one member matched, one worker trained, one cooperative formed at a time — that the theory is right.

"The economic conditions of Eugene-Springfield are not the inevitable result of natural forces. They are the accumulated consequence of choices. HAC-ES is the act of choosing differently."

— HAC-ES Articles of Incorporation, Preamble (2026)

The Four Problems We Are Solving

These four problems are distinct in their mechanics, but they are one problem in its effects: people's economic lives are more precarious than their productivity warrants, and the institutions that exist were not built to change that.

1. Work doesn't pay enough

Fifty years of productivity gains went to capital, not workers. Lane County is a 57%-below-average-wage economy. People work full time and cannot cover basic needs. The 40-hour week is an 85-year-old political settlement that was never renegotiated when technology made workers 4× more productive.

2. Basic needs are fragmented and humiliating

The systems that exist to help people are organized around bureaucratic categories, not around the human being who needs help. They require people to re-prove their worthiness over and over. They don't talk to each other. They don't learn. HAIS builds the connective tissue those systems were never designed to have.

3. Wealth accumulates upward and doesn't recirculate

Markets unconstrained by democratic norms extract value from communities and concentrate it elsewhere — in shareholder returns, in executive compensation, in financial instruments that have no relationship to anyone's actual life. The Human Asset Fund is the counter-institution: a pool of capital that, by design, cannot leave the community.

4. The economy treats people as costs, not assets

The entire framing of neoliberal economics sees workers as inputs to be minimized. HAC-ES starts from the opposite premise — grounded in Market Humanism — that people are the economy's primary asset, and their wellbeing is not a social cost but an economic generator.

How We Tell the Story: Three Movements

HAC-ES is not a protest organization. It is not trying to burn the system down. It is doing something subtler and ultimately more durable: it is demonstrating, within the existing system, that the existing system's own logic supports doing things differently.

The story of how we do that has three movements.

Movement 01
We use the system's own tools.

HAC-ES incorporates as a cooperative under Oregon law. It applies for grants through normal channels. It partners with EWEB, SVdP, Lane Workforce Partnership — institutions that already exist and already have relationships with the people we serve. We work with city and county government. We are not outside the system. We are a new participant in it, operating on different principles, competing on outcomes.

This matters because it is the only strategy that doesn't require a prior political victory to begin. We don't need the right people in office. We don't need a new law passed. We need a cooperative charter, a Governing Council, and the first fifty founding members.

Movement 02
We demonstrate what the system is missing.

When HAIS matches a member to a food pantry and a job training program and an EWEB rebate in the same intake conversation, and a government agency would have required three separate applications and three separate eligibility determinations — that is a demonstration, not a critique.

When a worker cooperative incubated through HAC-ES survives five years because its workers have ownership and governance rights, while a conventional business with similar fundamentals fails — that is evidence. We are building the case, slowly and empirically, that the system's own goals — employment, stability, community health — are better achieved through our model.

The Desperation Premium Index is our primary proof point: members whose basic needs are secured make better employment decisions and achieve better wages. The data proves that the Human Asset Fund's basic needs floor isn't charity — it's an economic investment with a measurable return.

Movement 03
We use the evidence to change the system's rules.

The Middle-Out Policy Scorecard. The 32-hour living wage employer network. The testimony before City and County planning bodies. All of this is the moment where demonstration becomes advocacy.

We are not asking politicians to believe in a theory. We are showing them data from Lane County, about Lane County residents, produced by an institution operating in their jurisdiction. That is a different kind of political ask. It is much harder to dismiss.

Oregon led on minimum wage. Oregon led on paid leave. Oregon led on clean energy. HAC-ES is building the community-scale demonstration that makes Lane County — and Oregon — ready to lead on the next generation of economic reform.

The Characters in the Story

The story of HAC-ES is not a story about an institution. It is a story about members. Real people in Eugene-Springfield whose lives change in specific, measurable ways because an institution was built that treated them as assets rather than problems.

Someone comes to HAC-ES with three urgent needs. They are matched within 48 hours. They find employment through the cooperative network. They reduce their energy bill by $800 a year through EWEB programs they didn't know existed. Two years later, they vote at a Governing Council assembly on the policy priorities of the institution that served them. That arc — from need to agency — is the whole theory of change, told in one member's experience.

The system change story is slower and less dramatic, and that is fine. Gardens grow slowly. The point is that the roots are being laid now, and the evidence is accumulating.

The Long Game

HAC-ES thinks in decades, not quarters. The founding cohort is planting roots that will take years to become visible above ground. Here is what the growth looks like.

2026 — Founding Year

Roots planted

First 500 members. First Governing Council. First HAIS deployment. First cooperative incubation. First grant. The evidence starts accumulating.

2027–28 — Growth Phase

Demonstration visible

First Desperation Premium Index data. First worker cooperatives launched. First full-year Transparency Report. First Middle-Out Policy Scorecard. The case begins to prove itself.

2029–30 — Scale Phase

Evidence drives advocacy

Three years of outcome data in hand. Testimony before government bodies with Lane County proof. Policy proposals grounded in demonstrated results. The rules begin to change.

2031–35 — Federation

Model replicates

HAC-ES Federation — the model exported to other Oregon communities, with HAIS and governance infrastructure shared across the network. Eugene-Springfield as proof of concept for the state.

"We are not building a cooperative that uses AI. We are building an AI-governed cooperative that operates in permanent co-evolution with its community — and with the economic system it is slowly, deliberately, changing from within."
Explore the full model

Ready to be part of the proof of concept?

HAC-ES is for everyone

Whatever your income,
HAC-ES works for you.

HAC-ES is not a program for the poor or an investment club for the wealthy. It is a cooperative economic infrastructure designed so that every Lane County resident — regardless of income — has a meaningful stake, a real benefit, and a voice in how it grows.

The same cooperative. Different entry points.

A person in crisis needs the floor held up. A person in the middle needs the ladder kept in reach. A person with resources needs a place to put them to work beyond their own account. HAC-ES is designed to meet all three — not by running three separate programs, but by building one cooperative with the architecture to serve each.

Income level
Crisis & Hardship
Below $25,000/year · Anyone facing immediate basic needs instability
Membership cost
$0 / year
Hardship waiver — auto-approved
No documentation. No case manager gatekeeping. No expiration.

The floor is guaranteed.

For members in crisis or hardship, HAC-ES removes the desperation premium — the invisible tax that poverty places on every decision. When your basic needs are secured, you can negotiate. You can wait for the right job. You can complete a training program. You can take the risk of starting a cooperative business.

Emergency Basic Needs (Priority 1)

Immediate food, shelter, and medical crisis response. The Human Asset Fund deploys first to anyone in acute need — member or referred community resident — with no waiting period.

Guaranteed Basic Needs Floor (Priority 2)

Housing stability, food security, and healthcare access maintained for all enrolled members in good standing — regardless of employment status. The floor doesn't disappear when your situation changes.

Benefits Navigation

OHP, SNAP, TANF, emergency rental assistance, childcare subsidies — the HAIS identifies what you qualify for and our team navigates the applications with you. No missed benefits from confusing paperwork.

Service Contribution Credits

Members who can't pay in cash pay in documented community service hours at $15/hour equivalent. Caregiving, mutual aid, and community work have real value in HAC-ES — the economy formally recognizes it.

Employment Matching

The HAIS Employment Module matches your skills to openings in our Organizational Member network — including openings before they're publicly posted. With your basic needs secured, you can hold out for the right fit.

Paid Training Pathway

When the HAIS identifies a skills gap blocking your next wage step, the Human Asset Fund covers tuition and a training stipend. You never have to choose between training for a better future and feeding your family today.

The Desperation Premium: Research confirms that poverty forces worse decisions — not from lack of intelligence, but from cognitive load. When every decision is a survival calculation, you can't optimize for your future. HAC-ES eliminates that burden. The basic needs floor is not charity. It is the economic precondition for genuine free-market choice.
Income level
Working & Middle Income
$25,000–$80,000/year · Employed but stretched, or seeking better work
Membership options
$60–$300 / yr
Community · Supporter · Advocate tiers
The ladder stays in reach. Your potential is invested in, not just acknowledged.

The ladder is yours to climb.

For working and middle-income members, HAC-ES is the cooperative infrastructure that the gig economy, stagnant wages, and rising costs have made necessary. It is the employer network, the training fund, the green energy rebate navigator, and the democratic institution that exists to increase your economic power — not extract from it.

Green Energy Savings

EWEB heat pump rebates up to $4,500, community solar bill credits (20–40% reduction), weatherization, and e-bike access. The HAIS navigates every application. For a middle-income household, these programs routinely deliver $2,000–$6,000 in annual savings.

Skills Development Fund

Already employed but want to move up? The HAIS identifies the certifications that unlock your next wage bracket. The Human Asset Fund covers tuition and offers a stipend so you can train without working a second job simultaneously.

Green Jobs Pipeline

The IRA has created the largest clean energy job opportunity in Lane County history. HAC-ES connects members to weatherization, solar, heat pump, and EV infrastructure trades — with training partnerships at Lane Community College and Oregon Building Trades.

Cooperative Employment Network

Access to living-wage job openings at our Organizational Member network — nonprofits, worker cooperatives, and mission-aligned businesses committed to worker voice and equitable hiring. These are employers who have signed our values commitments in writing.

Collective Purchasing Power

Healthcare, insurance, and supplies at cooperative group rates. The purchasing power of hundreds of members, pooled. For a working family, group healthcare alone can mean thousands per year in real savings.

Human Asset Dividend

As the Human Asset Fund grows, founding members receive a periodic dividend — modeled on Alaska's Permanent Fund. For working members, this is a stake in the cooperative economy they're helping build, paid back to them as the Fund matures.

Cooperative Business Incubation — Start Your Own

Want to be your own employer? HAC-ES seeds new worker cooperatives in childcare, elder care, green trades, food production, and technology services. The Human Asset Fund provides seed capital. The HAIS provides market analysis. HAC-ES becomes your first anchor customer, de-risking the launch from Day 1.

Income level
Upper-Middle Income
$80,000–$150,000/year · Professionally established, building assets
Membership options
$120–$1,000 / yr
Supporter · Advocate · Founding Patron
Put your assets and influence to work for the community — and grow your own stake in return.

Your assets work for the community — and for you.

Upper-middle-income members have more than income — they have savings, home equity, and professional networks. HAC-ES offers mechanisms to put those assets to community work without giving them up, while building a stake in the cooperative economy that benefits their neighbors, their city, and ultimately their own long-term security.

Member Loan Fund

Lend a portion of liquid savings to the Human Asset Fund at 2–4% interest. Minimum $500. Terms of 1–5 years. Your money stays yours — it returns with interest at maturity while it funds emergency needs, training, and cooperative incubation in the community.

Community Investment Notes

Fixed-term debt instruments at 1–4% interest over 3, 5, or 7 years. Minimum $1,000. Your capital is deployed through the Human Asset Fund priority hierarchy and returned at maturity. A simple, transparent community investment that outperforms a savings account on social return.

Home Equity Collateral Pledge

Homeowners may pledge equity as collateral for HAC-ES institutional loans — no transfer of assets, 5–10× leverage. Eight members each pledging $40,000 in home equity could back a $1,000,000 credit line. The pledge is released when the Cooperative no longer needs it.

Cooperative Equity Stakes

Business owners and Organizational Members can grant HAC-ES a 1–5% equity stake. HAC-ES receives a proportional share of future profits flowing into the Human Asset Fund — and your business gains cooperative network benefits, HAIS platform access, and founding partner recognition.

Green Energy Programs — Advanced Access

Upper-income homeowners have the most to gain from IRA residential clean energy credits (30% tax credit on solar, heat pumps, EVs) and EWEB's advanced rebate programs. HAC-ES navigates all applications and identifies stacking opportunities — combining federal credits, state incentives, and EWEB rebates that together can offset $10,000–$25,000 of home energy upgrades.

Income level
High Income & Wealth
$150,000+/year · Significant assets, investment portfolios, real estate
Membership options
$1,000 / yr
Founding Patron · Anchor Institution
The most powerful thing wealth can do is fund a system that makes wealth-building possible for everyone.

The highest leverage is a better community.

High-income and high-wealth members have the most capacity to shape what kind of community they live in. HAC-ES offers the most tax-efficient, highest-leverage mechanisms for putting that capacity to work — not through philanthropy, but through cooperative investment that builds a community where their neighbors thrive, their workforce is more capable, and their city is more resilient.

Appreciated Securities Donation

Donating appreciated stocks directly to HAC-ES avoids capital gains tax entirely and delivers 25–35% more effective value than an equivalent cash gift. On a $30,000 portfolio position, this approach typically saves $3,000–$4,000 in taxes while the Cooperative receives the full market value.

Community Land Trust Contribution

Donating or selling property below market to the HAC-ES Community Land Trust generates a full charitable deduction on the gifted value, removes the property permanently from the speculative market, and creates permanently affordable housing for members. A $450,000 property gift can yield $99,000–$167,000 in federal tax savings.

Founding Patron Membership

$1,000/year during the founding 24 months. Permanent recognition as a founding member. Priority access to all programs and dividends. Limited to the first 500 members. This is the most direct way to be part of building the Cooperative from the ground up.

Anchor Institution Partnership

For high-income members who own businesses: Anchor Organizational Membership ($5,000+/year) provides the deepest cooperative network integration — co-branded initiatives, HAIS platform access, preferential hiring pipeline, co-investment opportunities, and formal founding partner recognition in every public communication.

Impact Multiplier: The Inclusion ROI

HAC-ES calculates an Inclusion ROI for every dollar invested in the Human Asset Fund. Research consistently shows that economic inclusion generates 1.5–3× in downstream community economic activity per dollar invested — through increased consumer spending, reduced emergency service costs, higher workforce participation, and lower crime. High-wealth donors to HAC-ES are not making a charitable sacrifice. They are making the highest-return community investment available.

At a glance

Benefits by income level — summary

Benefit Crisis & Hardship Working & Middle Upper-Middle High Income
Emergency basic needs response●●●
Basic needs floor guarantee●●●●●
Benefits & resource navigation●●●●●
Employment matching (HAIS)●●●●●●●●
Paid skills training & pathways●●●●●●●●
Green energy programs & rebates●●●●●●●●●●●
Collective purchasing (healthcare, etc.)●●●●●●●●
Cooperative business incubation●●●●●●●
Human Asset Dividend●●●●●●
Member loans & community investment notes●●●●●●
Home equity collateral pledge●●●●●●
Appreciated securities donation (tax benefit)●●●●●
Community Land Trust contribution●●●
Service contribution credits (unpaid work)●●●●●
Democratic governance (one member, one vote)●●●●●●●●●●●●
●●● Primary benefit  ·  ●● Significant benefit  ·  ● Available benefit  ·  — Not applicable
Special profile
Retired on Social Security
Fixed income, often $1,200–$2,200/month · May own a home · Utility costs are a major burden · Rich in time and community knowledge
Membership cost
$0–$60 / year
Hardship waiver or Community tier
You spent decades contributing. HAC-ES is the community infrastructure that gives back — and recognizes your continued contribution.
Retirement-specific benefits

Fixed income. Real benefits.

Retired Social Security recipients face a specific economic squeeze: fixed monthly income, rising utility and healthcare costs, and limited ability to earn more. HAC-ES addresses each of these pressure points directly — through green energy savings that cut monthly bills, benefit programs that most retirees qualify for but never claim, and a cooperative community that recognizes the value of a lifetime of contribution.

Medicare Savings Programs

Many Social Security recipients qualify for Medicare Savings Programs (QMB, SLMB, QI) that pay Medicare Part B premiums ($174.70/month in 2026), deductibles, and co-pays — but fewer than half who qualify actually enroll. HAC-ES navigates the application and appeals process for every qualifying member.

Potential savings: $2,096+/year in Medicare costs
Extra Help (LIS) for Prescriptions

The Medicare Part D Extra Help (Low Income Subsidy) program pays most prescription drug costs for qualifying recipients — but SSA estimates only 1 in 3 who qualify have applied. The HAIS identifies eligibility and manages the annual re-enrollment automatically so members never fall through the cracks.

Potential savings: $5,000+/year in drug costs
SNAP for Seniors

Oregon seniors on Social Security have a separate, simplified SNAP pathway with a higher income limit than the standard program. The average SNAP benefit for an eligible senior household is $70–$140/month. HAC-ES identifies qualification and navigates the application — most qualifying seniors never apply because they assume they won't be eligible.

Potential benefit: $840–$1,680/year
Oregon Senior Property Tax Exemption

Oregon's Senior and Disabled Citizen Deferral program allows qualifying homeowners (62+, income under $48,000) to defer property taxes at 6% interest until the home is sold. The Disabled Homeowner Exemption can reduce assessed value. HAC-ES identifies eligibility and files on your behalf.

Potential savings: $1,500–$4,500+/year in deferred taxes
Home Weatherization & Heat Pump Rebates

Retirees are home more and use more energy. Oregon's Low-Income Home Energy Assistance Program (LIHEAP), EWEB's income-qualified weatherization program, and federal IRA heat pump rebates (up to $8,000 for income-qualified households) can dramatically cut monthly utility bills. HAC-ES stacks every available program and navigates contractor coordination.

Potential utility savings: $600–$1,800/year ongoing
Community Solar Bill Credits

EWEB's community solar program allows renters and homeowners who can't install rooftop solar to subscribe to a shared array and receive a 20–40% credit on their electric bill — no installation required. HAC-ES handles enrollment and ensures qualifying low-income members receive the income-based bill credit tier.

Potential bill reduction: 20–40% of electric costs
OEAP & LIHEAP Utility Assistance

The Oregon Energy Assistance Program (OEAP) and federal LIHEAP provide direct utility bill assistance to qualifying low-income households — including most Social Security recipients. HAC-ES applies annually on behalf of enrolled members so no member ever misses an assistance cycle due to missed deadlines or confusing paperwork.

Annual assistance: varies, typically $200–$600/year
Service Contribution Credits

Retired members who volunteer — community gardening, childcare support, tutoring, neighborhood organizing, mutual aid — earn HAC-ES Service Contribution Credits at $15/hour equivalent. These credits are redeemable for services within the cooperative network. Your time and knowledge have real economic value here.

10 hours/month = $1,800/year in credits
Human Asset Dividend & Community Ownership

As the Human Asset Fund grows, founding members receive a periodic dividend — an additional income stream on a fixed budget. And as a member, you hold a democratic vote in how the cooperative is governed: who leads it, how the fund is deployed, and what the community invests in. Social Security gave you a stake in society. HAC-ES gives you a stake in your community.

One member. One vote. Equal to every other member regardless of income.
Estimated annual value for a typical retired Social Security member
$2,096+
Medicare Part B savings (if QMB-eligible)
$1,260+
Average SNAP benefit (if eligible)
$1,200+
Utility savings (weatherization + community solar)
$1,800
Service contribution credits (10 hrs/month)
Combined with the basic needs floor and collective purchasing, a retired member on Social Security can access $6,000–$10,000+ per year in real economic value — from a membership that costs $0–$60/year. Benefits are additive and based on individual eligibility. HAC-ES navigates all applications on your behalf.

Wherever you are, there is a place for you here.

HAC-ES grows stronger when it includes everyone. The floor that protects the most vulnerable is the same floor that makes the whole community more economically resilient — for everyone who lives here.