Severance ceiling, WARN Act pay, your state's PTO law, equity vesting, unemployment timing. Tell us 8 quick details and one of our experts writes you a personalized report telling you exactly what's still on the table and the word-for-word script to ask for it. $39, hand-reviewed, in your inbox within 24 hours.
Most laid-off workers sign their severance in 7 days. Federal law gives anyone over 40 twenty-one days to review. Your report tells you what to ask for, with a script — calibrated to your role, tenure, and state.
Not legal advice. Educational use only. Every report is read, calibrated, and signed off by one of our experts before it hits your inbox. 7-day money-back guarantee.
Five numbers, no email required. The estimate uses 2026 severance benchmarks, the WARN Act, your state's PTO law, and typical multipliers for your role and tenure. The $39 unlocks the personalized report calibrated to all of it, with the word-for-word negotiation script.
Drag the slider. We use this to estimate severance, PTO payout, and your weekly unemployment cap.
Tenure is the single biggest factor in your severance ceiling.
Severance multipliers scale up sharply at director and above.
Some states require employers to pay out unused PTO. Some don't. The plan tells you exactly what your state forces them to do.
Rent + utilities + food + transport + insurance + subscriptions. Skip if you'd rather not say. We'll estimate from your salary.
Estimate based on 2026 severance benchmarks, WARN Act rules, your state's PTO law, and a typical household burn rate.
No jargon. No legal-speak. The five things this $39 report actually does for you, written so a fifth grader could follow along. Clear answers, in your own language, so you can move forward fast.
Most first offers are below the typical amount for your role and tenure. We do the math, look at 2026 benchmarks, and tell you straight: the offer is fair, or the offer is low and here is by how much.
Word for word. Email language for the first message. Phone language for the call. Including what to say when they push back the first time. You read it, you say it, you do not have to make it up.
File unemployment by day 7. Decide on health insurance by day 14. File a tax-withholding form before your severance gets paid out. Each step has a date. We give you the calendar.
How many months of runway you have. What to cut, what to keep. What to do with your 401k. Whether to take COBRA or your state's marketplace plan. How to handle debt while you look for the next job.
The clauses HR did not walk through. Non-disparagement language and how it affects your next reference. Non-competes. Bonus claw-backs. Equity vesting. Everything that matters in your future, explained in clear language so you can decide what to negotiate.
Five things to do in the first seven days, in priority order. Filing unemployment is day one. Not signing the severance is day one. Listing fixed expenses is day one. Most workers miss two of these.
COBRA versus your state's marketplace, run for your specific income. COBRA premiums in 2026 average $780 a month for a household. The marketplace alternative is often $300 to $500 less.
Your stock-option exercise window is usually only 90 days after termination. Miss it and your options expire worthless. Plus 401k choices: roll over, leave, or take a hardship distribution. Each has a tax cost.
Eight clauses to review before you sign. Non-disparagement scope, arbitration, non-competes, equity acceleration, bonus protection. We highlight what's negotiable and exactly how to ask for it.
Month-by-month for the next six months. Severance lump sum, unemployment timing, COBRA outflow, projected expenses. Knowing exactly when the runway ends is somehow less scary than not knowing.
Severance is taxed as wages. Default federal withholding is 22%, which is often the wrong rate for your situation. We tell you whether to ask for a different withholding, what your effective rate will be, and how to plan estimated payments through the rest of the year.
Word-for-word what to say when you call HR. Including what to say when they push back the first time. Built around your specific tenure, role, and state.
What to cut and when, in priority order, calibrated to your runway. Subscriptions, food, transportation, housing, debt service. With specific dollar targets per month, not just generic advice.
Which debts to pay, which to defer, which to renegotiate. Mortgage forbearance, student loan deferment, credit card hardship programs. Most lenders have hardship paths they do not advertise. We list yours and what to ask for.
When to start, what to send, who to call first. The structure that converts. Workers who follow a written job-search cadence land 38% faster than those who do not.
Every plan is read, calibrated, and signed off by one of our experts before it lands in your inbox. Usually within 24 hours, often faster. "Personally reviewed" is not a marketing line. It is literally true. We would rather take an extra few hours than ship a template that misses your situation.
I went from staring at the offer for two days to having a calendar of what to do every day. It was about ninety minutes of reading and I had a clear playbook.
I learned to file unemployment immediately because the plan flagged it on day one. That alone added three weeks of benefits to my runway.
The cash flow projection gave me my actual numbers. Knowing exactly how long my runway is made every other decision easier.
Most things in this report are billed elsewhere at lawyer rates, advisor rates, or coach rates. Here is the line-by-line. Total typical value: over $3,100. Today's price: $39. Read it and then decide.
One. We are an information product, not a service. The same plan goes to thousands of laid-off workers a year and the cost of one more is essentially zero.
Two. The point of $39 is to be cheaper than the cost of getting it wrong. The average gap between a first severance offer and a negotiated one is $8,000. We want every worker who got the news this week to be able to say yes without thinking about the price.
Three. Most laid-off workers do not have $400 for a lawyer or $200 for a financial planner this week. They have $39. So we built it for $39.
Read the plan. If it does not surface at least $500 you would not have known to ask for, claim, or save, write to us within 7 days and we refund the $39. You keep the plan. No forms, no questions, no hoops.