Termination risk assessment — all 50 states

You're about to fire someone.
Do you know what it costs
if you get it wrong?

The average wrongful termination claim costs $75,000 to defend, before a single dollar of settlement. okfire.me tells you your legal risk in 10 minutes, generates your state-specific separation letter, and gives you a checklist you can actually use.

Check my risk nowSee how it works ↓
Live risk assessment — preview
Performance — documentedWritten warnings on file, signed
18 pts
Attendance — partial docsSome absences may be FMLA-protected
47 pts
Internal complaint — 58 days agoTemporal proximity — retaliation risk
92 pts
Computed in real time. State multipliers applied. All 50 jurisdictions.
$75K+
Average legal defense cost
1 in 5
Terminations trigger legal action
10 min
To complete your assessment
50
States covered, all jurisdictions
The reality

Most wrongful termination cases start with a conversation that lasted three minutes.

67%
Settled before trial
Most cases never see a courtroom. But settlement costs, lost productivity, and damaged morale are very real.
90
Days to file an EEOC charge
The clock starts the moment they walk out the door. You may not hear from an attorney for months.
$0
Cost to file against you
Filing an employment claim costs an employee nothing. Defending one can cost you six figures.
42%
No documentation
Nearly half of all wrongful termination suits involve employers with zero paper trail supporting their decision.

Small and mid-size businesses are the primary targets of wrongful termination claims — not because they do more harm, but because they document less, train managers less, and have no one watching the legal exposure until it's too late.

You don't need an HR department. You don't need a $400/hour employment attorney on retainer. You need to know your risk before you act — and have the right documents in hand when you do.

“The most expensive conversation of my career lasted four minutes. I said the wrong thing walking someone out, and spent the next 18 months dealing with the consequences.”— Restaurant operator, 6 locations
Check my situation now →
How it works

From “I need to let someone go” to a defensible decision, in 10 minutes.

01
Answer five categories of questions
Employee profile, reason, documentation, protected class flags, and timing. Most people finish in 8–12 minutes. No account required to begin.
02
See your risk score and full report
Your answers run through a 50-state scoring engine. Every flag, every risk factor, explained in plain language. Pay $49 to unlock your full results and documents.
03
Download your letter, checklist, and docs
A state-specific separation letter built to minimize exposure. A clickable pre-termination checklist. Talking points for the meeting. Every required state notice, listed and explained.
What's included

Everything you need to fire someone
and not hear from their attorney.

50-state risk score
Your exposure score with every risk factor broken down. State-specific multipliers applied. California, New York, New Jersey — we know the difference.
All 50 states
AI-drafted separation letter
Written with one goal: to hold up if it ends up as Exhibit A. State law built in. All required notices included. Editable before you download as PDF or Word.
AI-generated
Clickable pre-termination checklist
Every step before, during, and after the meeting. Final pay deadline for your state. Required state notices. Check items off as you go.
Interactive
Talking points for the meeting
What to say. What never to say. How to respond if they push back. Tested against the most common deposition questions about termination conversations.
Meeting-ready
Required state documents
Every document legally required at termination, by state. The DE 2320 in California. The DOL-800 in Georgia. The IA 12.3 in New York. We know what you need.
State-specific
Corrective action plan
In Yellow or Red territory? We tell you exactly what steps, taken before you proceed, that would lower your risk score and strengthen your position.
Actionable
Who it's for

If you have employees, you have exposure.

Built for business owners who handle HR themselves, not for companies with legal departments.

Restaurants & Hospitality
“Am I OK to let my kitchen manager go after what happened last week?”
Retail & Service
“She's been here four years. What's my exposure if I let her go today?”
Healthcare & Clinics
“He requested FMLA three weeks ago. Can I still terminate for performance?”
Any Small Business
“I just need to know what I'm walking into before I have this conversation.”
Pricing

Less than one hour of an employment attorney's time.

No subscription required. Pay per report. Upgrade when it makes sense for you.

Single report
$49
one-time, per termination
  • Full risk assessment + score
  • AI-drafted separation letter
  • State-specific checklist
  • Required state documents
  • PDF + Word download
Run my assessment →
Most popular
3-report pack
$99
$33 per report, save 33%
  • Everything in Single report
  • 3 reports, use anytime
  • Reports never expire
  • Report history & archive
  • Priority support
Get 3-pack →
Annual unlimited
$59/mo
$708 billed annually, unlimited reports
  • Unlimited reports, all locations
  • Full history & archive
  • Up to 5 user seats
  • State law update alerts
  • Priority support
Begin annual plan →
The questionnaire is always free to complete. You only pay to unlock your results and download your documents.
100% money-back guarantee if you're not satisfied.
Common questions

We've heard these before.

The conversation is coming.
Be the one who's prepared.

Ten minutes. $49. Everything you need to fire with confidence.

Check my risk →

Free to complete. Pay $49 to unlock your full report and separation letter. No subscription required.