Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Sep 15, 2020

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It depends. Is your layoff temporary or permanent? Does your company have a salary continuation plan (as some major industrial companies do)? If you work for a company that has such a plan, you will continue to be paid some or all of your wages during the layoff, and your benefits will continue. If you do not have such a plan, but the layoff is considered short term and temporary (such as when a factory is shut down for a few weeks for maintenance or because product inventories have to be trimmed) your life insurance and other benefits will probably continue. On the other hand, if you are being laid off permanently, with no expectation that you will be rehired soon, then your benefits will terminate. You will then have an option to covert your life insurance to a permanent individual policy within 30 days. Other benefits may also have a conversion option, such as benefits under a COBRA plan, which are required by law.