COBRA, final pay, benefits termination, access revocation: every step on time, in order. The post-firing mistakes cost the most.
COBRA, final pay, benefits cutoff, access revocation. One team owns every deadline, tracks every confirmation, and keeps the documentation trail intact.
The compliance mistakes after a termination are the ones that cost real money. Your specialist owns each deadline, tracks confirmations, and keeps the documentation trail intact.
System access revocation occurs before the employee departs. Final pay prepared per state law (same-day in CA, next pay period or business day elsewhere).
Plan administrator notified within 30 days; participant notice within 14 days of that. Full audit trail retained. Re-verification tracking for dependents.
Medical, dental, vision, life terminated at end-of-month per plan documents. 401(k) distribution options delivered per ERISA.
If a claim is filed, we respond with the separation documentation you signed at termination, not whatever someone can find in email three weeks later.
Questions about the process? Let’s talk →
Your specialist tracks the timeline from the termination meeting through COBRA wind-down and unemployment response.
FINAL PAYCHECK
California same-day for involuntary. Next business day or next pay period elsewhere. Your specialist calculates it the moment termination is logged. No waiting-time penalty risk.
50 statesFinal-pay rules · coded per state
COBRA NOTICE
30 days employer-to-plan-admin. 14 days plan-admin-to-participant. Full audit trail retained. Dependents re-verified. Miss the 44-day window and you're exposed up to $110/day per qualified beneficiary.
44 dayCombined window · tracked per event
BENEFITS TERMINATION
Coverage terminated per plan documents (typically end-of-month of separation). Carrier notified. Premium accrual stopped. Final EOB reviewed for anything outstanding.
Per plan docsTermination date · no accrual error
ACCESS REVOCATION
Revocation checklist triggered by termination meeting. Every system deprovisioned before employee departs the building. Not 72 hours later. Not a hole in your data perimeter.
Day 0All systems · before exit
SEPARATION DOCS + 401(k)
Separation reason coded. Manager statement captured. Employee acknowledgement signed. 401(k) distribution options delivered per ERISA: rollover, IRA, cash (with withholding).
ERISA401(k) notice · all required options
UE RESPONSE + PTO
If a UE claim lands, your specialist responds with the separation documentation signed at termination, not notes reconstructed weeks later. PTO paid out per state and company policy.
$0Statutory penalties · 19-yr track record
Send us a scenario (reason, state, benefits, 401k). We'll show exactly what our HR specialist does in the first 24 hours and through day 44. Every deadline, every notice, every document.
“Terminations were the weakest part of our HR practice. Documentation gaps, inconsistent COBRA timing, a former-employee unemployment claim that cost us. VertiSource HR rebuilt the entire offboarding workflow: PIP templates, state-specific final-pay calculations, separation documentation. Three unemployment claims last year, we won all three.”
The mistakes after a termination cost more than the salary you saved. A missed COBRA notice runs up to $110 per day per qualified beneficiary, uncapped. A late California final paycheck adds a waiting-time penalty of up to 30 days of wages. An unemployment response without contemporaneous records is a losing claim.
Your specialist owns every deadline from the termination meeting through day 44, then runs the unemployment response with documentation signed at separation. No ad-hoc emails. No reconstructed timelines.
Payroll stops the next scheduled run. Benefits carriers get termination notices. HRIS archives the record. Access revocation lists propagate to IT. One event, one data flow.
Final pay calculated per state; PTO payout triggered; pay cycle cutoff flagged for the employee.
COBRA qualifying event notice sent; benefits termination per plan docs; dependents re-verified.
Separation documentation stored, access revocation checklist kicks off, employee record archived with retention schedule.
Want this for your team? Let’s talk →
Still have a question? Let’s talk →
Your specialist manages COBRA, final pay, access revocation, and unemployment response on your behalf. Every deadline. Every document.
