The project manager for your layoff.
Layoff HQ is a deadline tracking and decision-support service for laid-off professionals in the United States. We track your deadlines, run the math on your decisions, and keep you from missing the expensive things, so you can focus on landing your next role.
No credit card to start. Cancel any time in your first 14 days on paid plans.
After a layoff, the deadlines start immediately.
Most people miss them.
Not because they're careless, but because the system is designed to be missed. Different deadlines, different agencies, different rules by state, different windows by age and equity status, scattered across legal, tax, health, and retirement domains. There is no single source for any of this. There is no one place that tracks all of it for you. Until now.
- 60 DAYSCOBRA election deadline from coverage end
- 21 / 45 DAYSOWBPA review window (Older Workers Benefit Protection Act, applies if 40+)
- 90 DAYSISO exercise window post-termination
- JUNE 16Q2 estimated tax payment for lump-sum severance
- WEEKLYState unemployment certifications
How it works
You tell us four things.
Your last day worked. Your state. Whether you were 40 or older when laid off. Whether you received equity. That's it.
We build your Decision Calendar.
We pull in your specific deadlines across nine domains, run the math on your decisions, and assemble your personal calendar within the hour. Severance terms, COBRA timing, equity vesting, tax milestones, state unemployment cadence, retirement account decisions, and money-found scans, all in one place, anchored to your dates.
We track everything for you.
SMS and email reminders before every deadline. Decision modeling that shows you what each choice costs in dollars before you commit. Updates when your situation changes. We handle the coordination so you can focus on landing your next role.
You could find most of this in six hours of searching. But you have just been laid off.
You do not have six hours of focus. The paid plan is built for the part that AI tools and Google cannot do for you.
We tell you what to do this week, not what to know in general.
AI tools wait for you to ask the right question at the right moment. We push the right thing at the right moment. The 21-day OWBPA window has 14 days left? You will hear from us Monday morning with the exact script to ask for an extension.
A real person reads your severance agreement.
Not a "consult a professional" disclaimer. A real reviewer reads your actual agreement, flags what is missing, and drafts the language for your counter-offer. Accountability and liability that an LLM cannot provide.
Every reminder ships with a focused 2-pager.
Each deadline trigger arrives with a workflow PDF: how to do the thing, where people get stuck, what to watch for, and the script to use if it goes wrong. Not generic advice. Real procedure.
Walkthroughs built for your state.
The Texas Workforce Commission portal looks different from California EDD, which looks different from New York DOL. Our walkthroughs are screen-by-screen for your specific state. Eight hours of buried-PDF research compressed into a 4-minute checklist.
What others got. What others pushed back on.
We have reviewed severance agreements across industries and seniority levels. We know the median, the ceiling, and the clauses people successfully push back on. You walk into the HR conversation with what they already know but you do not.
We see the whole picture, not one domain at a time.
Your ISO exercise interacts with your AMT exposure interacts with your severance lump sum timing interacts with your unemployment eligibility. We see all of it. You do not have to ask the right question to find out.
If day 90 is not where it should be, we say so.
If the job search is stalling at the 3-month mark, we do not pretend everything is fine. You get a candid conversation pinned to your actual numbers and a structured workflow for what changes this week.
A person to email when it goes sideways.
HR is dodging your severance questions. Your COBRA enrollment got denied. Your final paycheck is wrong. Reply to any email or text. A real person answers within 24 hours.
Calendar updates when the rules change mid-transition.
Federal benefit rules change. State eligibility windows shift. When something material changes during your coverage window, affected customers hear from us directly. Without you asking.
Nine capabilities. Both plans.
Every plan includes the full set below, plus the value we deliver above. Choose 6 months or 12 months based on how long your transition might take.
Personalized deadline calendar
Every legal, tax, health, and retirement deadline that applies to your specific situation, with SMS and email reminders before each one.
Severance agreement analysis
Upload your severance agreement. We highlight the OWBPA review window (Older Workers Benefit Protection Act), non-compete clauses, accelerated vesting, and what's negotiable.
RSU and equity vesting calendar
Dollar values mapped to each vesting cliff. ISO 90-day exercise deadline. Tax implications of early exercise versus letting options expire.
Decision modeling
Side-by-side cost comparisons in dollars for COBRA vs Marketplace, lump-sum severance, 401(k) rollover, and Q2 estimated tax. Not advice. Just the numbers.
Monthly money-found scans
NAUPA unclaimed property, retirement account databases, abandoned HSA and FSA balances, class action settlements. We tell you when something matches.
Anonymized peer benchmarks
What did others at your level, in your state, with your tenure receive in their severance? You'll know within a week of joining.
State-specific UI calendar
The weekly certification cadence, deadlines, and required documentation for your state's unemployment insurance system.
Year-end tax forecast
A projection of your tax liability based on severance timing, unemployment income, and any equity transactions that took place during your transition.
Tuesday weekly digest
Every Tuesday morning, a single email summarizing what's coming this week, what's coming this month, and any new money-found matches.
Simple pricing. One payment.
No subscriptions. No monthly billing. Pay once, get the full window of coverage.
- ✓All 9 capabilities
- ✓Decision Calendar through 6 months from your last day worked
- ✓SMS and email reminders
- ✓One severance agreement analysis
- ✓Monthly money-found scans
- ✓Tuesday weekly digest
- ✓Everything in 6 Months, plus:
- ✓Coverage extended to 12 months from your last day
- ✓Year-end tax forecast and Q1 next-year planning
- ✓Runway calculator with monthly recalibration
- ✓90-day Plan B trigger if your search runs long
- ✓Reference letter and recommendation request templates
- ✓"What's normal to feel" guides for each phase
- ✓Second severance review (if you negotiate amendments)
Cancel any time in your first 14 days for a full refund. Your Decision Calendar is yours to keep. We will stop your ongoing reminders, two-pagers, and severance review access. Refund policy →
Why one payment instead of a subscription?
Layoff transitions are bounded, but unpredictable. Average job searches now run 5 to 9 months, and many take longer, especially for senior roles or in slow hiring markets. The 12-month plan exists for when 6 months isn't enough. Either way, you pay once, you get the full window of coverage, and you don't think about us again until the next deadline reminder lands in your inbox.
What we are. What we aren't.
What Layoff HQ is
- ●A deadline tracker and decision-support tool for laid-off professionals
- ●A way to see the math on COBRA, equity, and tax decisions in dollars
- ●A monthly check on whether you've left money on the table
- ●Built for the moment after a layoff, when there are too many decisions and not enough calm
What Layoff HQ is not
- ○A law firm. We don't give legal advice. We tell you when to call one.
- ○A financial advisor. We don't recommend investments. We model trade-offs.
- ○A tax preparer. We don't file your taxes. We tell you what's coming.
- ○A career coach or job search service. We track the transition; you run the search.
Questions people ask before buying
Start with your free Decision Calendar preview.
Four inputs, your personalized calendar built for you within the hour. No credit card. No subscription. If we're useful, you'll know, and you can come back for the full plan when you're ready.