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Managing your equity compensation during an unexpected job loss
Applies to:
Unvested RSUs are typically forfeited. Vested RSUs are yours to keep.
You usually have 90 days to exercise after leaving. ISOs may convert to NSOs.
You usually have 90 days to exercise vested options after leaving.
Contributions may be refunded. Check your enrollment period status.
Performance conditions must be met before vesting. Check pro-rata rules.
An unexpected layoff creates time pressure around your equity decisions. Understanding your options quickly is critical.
Unvested RSUs: Generally forfeited, though some severance packages include acceleration.
Check for: Double-trigger acceleration provisions or negotiated severance terms that accelerate vesting.
Standard Terms: Your post-termination exercise window (typically 90 days) starts from your separation date.
Severance Negotiation: You may be able to negotiate extended exercise windows as part of severance.
Mid-Period Layoff: Contributions typically refunded.
End of Period: Check if you'll be employed through the purchase date.
Going through a major life change? Get personalized help with your equity.
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RetirementRetirement triggers important decisions about your stock options and equity compensation. Learn about extended exercise windows, tax planning, and how retirement differs from regular departure.
This content is for educational purposes only and does not constitute financial advice. The information provided is general in nature and may not appl...
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