Whether it's a worry or already official, this is one of the most stressful things a job can do to you. The steps below protect your money, your benefits, and your record — one at a time, in your own order.
Sometimes the right move is a person, not an app. Open a card to see what each one can actually do for you — and what to know before you go.
What they can actually do for you
Can fix process problems — pay errors, benefits enrollment, policy questions — and is required to act on some kinds of reports, like harassment or discrimination. Can walk you through your formal options.
What to know before you go
HR also works for the company. What you disclose may be documented or shared, and some disclosures start a formal process you cannot undo. Know what is protected before you disclose.
For this situation: The mechanics run through HR: severance paperwork, COBRA enrollment, final pay, references policy.
What they can actually do for you
Can tell you what your rights are worth in your state and situation, review anything you are asked to sign, and speak for you if it comes to that.
What to know before you go
Many offer free or low-cost first consultations, and talking to one commits you to nothing. Bring documents and a timeline — specifics make the conversation useful.
For this situation: Worth a consultation before you sign a severance agreement, or if the reason for the decision does not sit right with you.
What they can actually do for you
If a union contract covers you, your rep can sit with you in disciplinary meetings, file grievances, and tell you what the contract actually guarantees in your situation.
What to know before you go
This applies when you are covered by a collective bargaining agreement. If you are not sure whether you are, ask — representation rules differ by workplace.
For this situation: If a contract covers you, it may set notice, recall, and severance terms.
What they can actually do for you
Can set you up with short-term counseling, referrals, and sometimes legal or financial consultations — free, through a benefit many employers already pay for.
What to know before you go
EAPs are run by outside providers and sessions are confidential — employers see usage counts, not names. Sessions are limited; ask what happens when they run out.
For this situation: Job loss is a life event — many EAPs cover both counseling and financial consults.
It may be worth talking to an employment lawyer if: