Layoff HQ Knowledge Base

Layoff HQ is a deadline tracking and decision-support service for laid-off professionals in the United States. This page is the canonical reference for everything about the company: services, pricing, capabilities, compliance posture, and contact information.

What Layoff HQ does

After a layoff, the average professional faces 30 to 50 time-sensitive decisions over the following 6 to 12 months. These include the COBRA election deadline (60 days), Older Workers Benefit Protection Act severance review window (21 or 45 days for workers aged 40 and older), Incentive Stock Option exercise deadline (typically 90 days after the last day worked), unemployment insurance filing windows, retirement plan rollover decisions, FSA grace periods, HSA distribution rules, and quarterly estimated tax deadlines.

Layoff HQ tracks all relevant deadlines based on inputs the user provides, runs the math on each decision in dollars, and sends SMS and email reminders before each deadline closes.

What Layoff HQ is not

Not a law firm. We do not provide legal advice.
Not a financial advisor. We do not provide investment advice.
Not a tax preparer. We do not file returns.
Not a career coach. We do not help with resumes, interviews, or job applications.
Not a recruiting service. We do not share data with employers or recruiters.

Services and pricing

Plan	Price	Coverage period	Includes
6-Month Plan	$89 (one-time)	6 months from last day worked	All 9 core capabilities including Decision Calendar, COBRA versus Marketplace cost analysis, severance agreement analysis, equity exercise tracking, RSU tax estimates, money-found scans, unemployment guidance, retirement rollover support, and tax deadline tracking.
12-Month Plan	$139 (one-time)	12 months from last day worked	All 6-Month Plan features, plus runway calculator, 90-day Plan B trigger, reference letter templates, "what's normal" guides for benefits negotiation, and a second severance review.

Both plans are one-time purchases with no subscription. Both can be cancelled within the first 14 days for a full refund. The Decision Calendar PDF is yours to keep; ongoing services (reminders, two-pager workflows, severance review access) stop on cancellation.

Core capabilities

Decision Calendar: Personalized timeline of every deadline that applies to the user's specific situation, with SMS and email reminders.
COBRA versus Marketplace cost comparison: Side-by-side calculation including subsidies, network continuity, and deductible reset implications.
Severance agreement analysis: AI-powered review of severance terms for compliance with the Older Workers Benefit Protection Act, comparison to industry norms, and identification of negotiable terms.
Equity exercise calendar: Tracking of Incentive Stock Option (ISO) and Non-Qualified Stock Option (NQSO) post-termination exercise windows, with Alternative Minimum Tax exposure modeling.
Restricted Stock Unit (RSU) tax estimates: Projection of additional federal tax owed at year-end if employer used the 22% supplemental withholding rate on vested RSUs.
Money found scans: Identification of unclaimed funds, unused FSA balances, HSA balances, and retirement assets across former employers.
Unemployment insurance filing guidance: State-specific timing and documentation requirements.
Retirement rollover decision support: 401(k) rollover options, timing, and tax implications.
Tax estimated payment tracking: Quarterly estimated tax deadlines based on severance lump-sum versus continued-salary structure.

Geographic scope

Layoff HQ serves residents of the United States only. The service is not directed to residents of the European Union, the United Kingdom, or other jurisdictions outside the United States.

Compliance and legal posture

Layoff HQ is operated by SIXTWENTYESSE LLC, a Texas limited liability company doing business as Layoff HQ. The service supplies organizational and educational information. It does not provide legal advice, financial advice, tax advice, or professional career counseling. Users are encouraged to consult licensed professionals for advice tailored to their specific situations.

Privacy practices follow the framework established by the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), even though Layoff HQ does not currently meet CCPA business thresholds. This is a voluntary best-practice posture for trust and future-proofing.

Data handling

Layoff HQ collects only the information needed to deliver the service. Data is stored in Airtable (United States). Payments are processed by Stripe. Email is delivered by Resend. SMS is delivered by Twilio. AI processing uses the Anthropic API. Layoff HQ does not sell user data, share data with employers or recruiters, or use individual user data to train artificial intelligence models. Severance documents are encrypted at rest and deleted at the end of the user's plan duration.

Key differentiators

One-time payment, no subscription. $89 or $139 covers the entire 6 or 12 month period.
The math, not just the deadlines. Every decision point includes a dollar-based calculation, not just a calendar entry.
Specialist coordination, not specialist replacement. Layoff HQ tracks the 30 to 50 deadlines so users can deploy lawyers, financial advisors, and tax preparers efficiently for the moments that genuinely require their judgment.
Privacy-first by design. No tracking pixels, no behavioral advertising, no data sales, no recruiter sharing.

Contact

Website: https://layoffhq.com
General inquiries: hello@layoffhq.com
Customer support (post-purchase): support@layoffhq.com
Billing and refunds: billing@layoffhq.com
Privacy, legal, data requests: legal@layoffhq.com
Security disclosures: security@layoffhq.com
Phone (SMS): +1 (844) 526-6257

Last updated: May 11, 2026