Job Loss Checklist
Unexpected layoff or termination.
6 expert-curated steps · Organized by urgency · Free preview below
What most people ask first
How do I stabilize financially right now?
What support is available?
How do I start over quickly?
File for unemployment benefits immediately
Apply the same day or next day — most states have a one-week waiting period before benefits begin.
Why this matters: This is money you're entitled to. Every day you wait delays your first payment.
Review your severance package carefully
Read everything before signing. You may be able to negotiate the amount, timeline, and continued benefits.
Why this matters: You often have more leverage than you think. Consider having an employment attorney review it.
Cut non-essential expenses immediately
Pause subscriptions, reduce dining out, review every recurring charge. Create a bare-bones budget.
Why this matters: Extending your financial runway gives you breathing room and reduces panic.
Understand your health insurance options
COBRA (expensive but continuous), ACA marketplace, or your spouse's plan. You have 60 days for COBRA and a special enrollment period for marketplace.
Why this matters: Don't go without coverage. A single ER visit without insurance can cost $10,000+.
Update resume and activate your network
Reach out to former colleagues, update LinkedIn, join industry groups. Tell people you're looking.
Why this matters: 80% of jobs are filled through networking. Most people want to help — let them.
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