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Deliver the news in person (1-on-1 script)
US rule: speak with your manager directly before sending formal emails.
Read the Expert Guide
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401(k) Loans & Separation: The Offset Trap
A 401(k) loan turns into a taxable distribution at separation: most plans require full repayment within 60 days of termination, and unpaid balances count as income plus an early penalty if …
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409A Valuations & Equity Records
The 409A valuation sets your option strike price: valuations update every 12 months, and the audit trail (grant dates, valuation dates, sales, and plan terms) decides the tax treatment. Kee…
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ACA Special Enrollment: 60-Day Windows
ACA special enrollment opens 60 days from the life event: coverage loss, marriage, birth, move, and job changes. The 30-day change notice protects subsidies, and Medicaid jumps when income …
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Break in Service: Pension & Vesting Restart Rules
Most plans treat 12+ months away as a break: pension accrual restarts, seniority resets, and some plans re-grade vesting from zero. Return within a year keeps continuity in many plans — the…
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Frequently Asked Questions
Can they lay me off without notice?
Under federal WARN, employers with 100+ staff must give 60 days for plant closings and mass layoffs; many states have mini-WARN rules with smaller thresholds. See the mini-WARN states guide (/guides-mini-warn-states.html) and WARN damages (/guides-warn-damages.html).
What must I get in writing?
Effective date, severance calculation, benefits end date, PTO payout, and the reference language. Verbal promises are revocable; the recap email within 24 hours is the durable form (/guides-verbal-promises.html).