Editorial

The Layoff HQ Blog

Plain-English guides for laid-off professionals. Every article cites primary federal sources, runs the math in dollars, and avoids the alarmist language that fills most search results.

Layoff Basics

What to Do in the First 72 Hours After a Layoff

Just laid off? Here are 9 actions to take in the first 72 hours, organized by priority. Includes deadlines, dollar amounts, and primary federal sources.

· 4 min read
Health Insurance

COBRA vs. Marketplace Insurance After a Layoff

COBRA averages $703 per month for individual coverage. Marketplace plans with subsidies can cost $0 to $250. Here is how to compare and decide.

· 8 min read
Severance

The OWBPA Severance Review Window: 21 or 45 Days for Workers 40+

If you are 40 or older and were just laid off, the Older Workers Benefit Protection Act gives you 21 or 45 days to review your severance offer. Here is how to use that window.

· 8 min read
Equity

RSU and ISO Equity After a Layoff: The 90-Day Rule

After a layoff, your vested ISOs typically expire 90 days after your last day worked. Unvested RSUs are usually forfeited. Here is the complete equity decision framework.

· 9 min read