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Home / Resources / How to Quit a Job and Get Your Final Paycheck: Notice, Vacation Pay, Deductions, COBRA, and What You May Owe

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How to Quit a Job and Get Your Final Paycheck: Notice, Vacation Pay, Deductions, COBRA, and What You May Owe

Two weeks' notice is custom, not a general legal rule. Federal law sets no fast final pay: wages are due on the regular payday. States can be quicker. Quit without notice in California and you are paid within 72 hours; in Texas, by next payday. Last reviewed October 31, 2026.

Edited by JobPin editorial team · Reviewed October 31, 2026

In this guide
  • Do you have to give two weeks' notice?
  • Word-for-word resignation message
  • When your schedule does not allow notice
  • Final paycheck: the federal rule and 10 states
  • Deductions for uniforms or equipment
  • COBRA and health coverage
  • If you owe a sign-on bonus or CDL training money
  • Current openings
  • How to verify a listing

Do you have to give two weeks' notice?

Usually not. Georgia's labor department puts it plainly: without a contract for a set length of service, "either you or your employer may terminate the employment relationship at any time" (read October 31, 2026). That is called at-will employment. DOL says that apart from discrimination and protected complaints, ending a job is subject only to any private or labor contract (read October 31, 2026). Texas Workforce Commission calls two weeks "standard in most industries," which is custom, not a rule for you (read October 31, 2026). This is information, not legal advice.

What can change the answer:

Scroll horizontally to view every column.

If you signed or are covered by What it can do What to check
Union contract Set notice, recall and final pay rules Ask your steward
Contract for a set term Make leaving early a breach The end date and what you owe
Handbook or written policy Tie vacation payout or rehire status to notice The notice section
Sign-on bonus or training agreement Make you repay money if you leave early See below

Word-for-word resignation message

Send it in writing and keep a copy on your own phone or email.

Dear (supervisor name). I am resigning from my job as (job title) at (location). My last day will be (date). Please tell me: (1) when and how I will get my final pay, (2) how unused vacation or paid time off will be handled, (3) where to return my (uniform, badge, equipment) and who will sign a receipt, and (4) when my health coverage ends. My personal email and mailing address are (email) and (address). Thank you for the chance to work here. (your name)

Short-notice version: "I cannot give two weeks' notice. My last shift will be (date). I will return (items) on (date)." You do not owe a reason. If you give one, make it true.

When your schedule does not allow notice

Scroll horizontally to view every column.

Your situation What to do What usually goes wrong
New job starts in under 2 weeks Give what notice you can, and name your last day Check your handbook first if vacation pay depends on notice
You have no shifts left before you go Send the message anyway, so you are off the schedule Shifts added by an app or manager after you leave can show as missed
Your employer tells you to leave today after you give notice Ask, in writing, what date goes on your record and when final pay comes In Texas, if you gave 2 weeks or less and the employer accepts it early, the Texas Workforce Commission still treats it as a resignation
Hours were cut to nothing, and no one will talk to you Ask in writing if you are still employed. Do not quit yet Quitting can cost you unemployment benefits. A layoff is treated differently
Your seasonal job has an end date You are not quitting. Work to the date, and read seasonal to permanent Leaving early may change how the state sees it

Attendance points in plain terms. Some hourly employers count missed or late shifts, and a set number can end your job. That is company policy, not law, so read yours. Ask for your balance before you pick a last day.

Walking off. Texas Workforce Commission says job abandonment is generally defined in each employer's handbook, and most companies use absence without notice for 3 or more days in a row. Colorado's labor division treats not showing up as scheduled as quitting for final pay purposes. Either way, you are still owed pay for hours worked.

Rehire eligibility is a yes or no a company keeps on its records. No law sets it. A quit with no notice may hurt it, and the company decides. Ask: "Will I be eligible for rehire?" UPS tells former workers to email AEHelp@ups.com about rehire status (UPS, read October 31, 2026): see the UPS seasonal guide.

Final paycheck: the federal rule and 10 states

Federal law does not require immediate final pay (U.S. DOL, read October 31, 2026). Wages the FLSA requires are due on the regular payday (DOL Handy Reference Guide, November 2023). If that payday has passed, contact DOL's Wage and Hour Division at 1-866-487-9243 or your state labor department. The table covers the 10 states with JobPin city pages, from each state's agency or statute, read October 31, 2026. Every other state varies, so call its labor office.

Scroll horizontally to view every column.

State If you quit If you are fired or laid off Unused vacation
Arizona Regular payday for the pay period (A.R.S. 23-353) Within 7 working days or the end of the next regular pay period, whichever is sooner (same) Not confirmed. Ask the Industrial Commission
California At quitting if you gave 72 hours' notice. Otherwise within 72 hours (Labor Commissioner) Immediately (same) Must be paid at your final rate. It cannot be forfeited (same)
Colorado Next regular payday (Labor Standards) Immediately. Within 6 or 24 hours of the next workday if payroll is closed or off site (same) Earned vacation must be paid. Forfeiture terms are void (INFO 3E, May 29, 2024)
Florida No state rule found. Federal rule applies No state rule found. Federal rule applies No state rule found
Georgia No deadline on the Georgia DOL's pages. Federal rule applies Same No state rule found
Illinois At separation if possible, no later than next regular payday (Department of Labor) Same Earned vacation is part of final pay (same)
Massachusetts Next regular payday, or first Saturday after you quit if there is none (Attorney General) Last day of work (same) Vacation payments are wages (same)
New York No later than the regular payday for that pay period (NY DOL, LS 271) Same Owed only if promised. Check the written policy (NY DOL)
Texas Next regular payday (Texas Workforce Commission) Within 6 calendar days (same) Owed only under a written policy or agreement (same)
Washington On or before the next regular payday (Labor and Industries) Same Voluntary benefit. The agency does not take these complaints (same)

Worked example. You have 40 unused vacation hours and a final rate of $20.00. In California, that is $800.00 on top of your last wages. In Texas, you get it only if a written policy says so. So read the policy before you give notice, and take what time you can use if it is lost when you leave.

Late or missing? Use what to do about unpaid wages. Normal paydays are in pay frequency laws by state. Taxes on a vacation payout appear like other wages: see your first paycheck explained.

Deductions for uniforms or equipment

Federal rule: an employer may not take the cost of uniforms, tools or damage if that cuts your pay below minimum wage or overtime, even if the loss was your fault (DOL Fact Sheet 16, revised July 2009). DOL's example: at $7.75 for 30 hours, the most it can take is $15.00. At $16.00 for 30 hours, the federal limit is $262.50 (30 x $8.75). State law can be much stricter.

  • Texas: an employer may not hold your final pay past the deadline because you did not return company property. It may need a signed wage deduction agreement instead (Texas Workforce Commission).
  • Washington: "Employers cannot withhold a final paycheck" over keys, uniforms or tools (L&I).
  • Everywhere: return items in person, get a signed receipt or take a dated photo, and read anything you signed about deductions.

COBRA and health coverage

COBRA lets you keep job-based coverage for a time. It generally applies to private employers with 20 or more workers. Quitting qualifies. Being fired does too, unless for gross misconduct (U.S. DOL, read October 31, 2026).

Scroll horizontally to view every column.

Step Deadline
Employer tells the plan Within 30 days
Plan sends your election notice Within 14 days of that
You decide At least 60 days
First payment At least 45 days
How long it lasts Up to 18 months

You can be charged up to 102% of the plan's full cost, including the part your employer used to pay. If the plan costs $600 a month in total, that is $612 a month. The other choice is a Marketplace plan, which you must pick within 60 days of losing coverage, or a family member's plan, usually within 30 days. Smaller employers may fall under a state law: ask your state insurance office.

If you owe a sign-on bonus or CDL training money

Read before you quit. Find the agreement and look for the amount, the required time, whether it is prorated, and whether being fired counts too.

Ask in writing: "If my last day is (date), what is the exact amount you say I owe, and how did you figure it? Please send me a copy of what I signed."

Do the math. This is arithmetic, not any company's terms. A $6,000 training agreement with 12 months required, prorated, and you leave at month 9: 3/12 x $6,000 = $1,500. If it is not prorated, you could owe the full amount. Paid CDL training shows what each carrier publishes. TMC says a prorated part, and most others do not publish a formula.

What can they take from your last check? It depends on what you signed and your state. Fact Sheet 16 limits deductions for items that benefit the employer, but it does not name sign-on bonuses or training debt. Ask your state agency before you agree to a deduction. If you do owe the money, ask for a payment plan in writing and keep receipts. Do not ignore it.

New laws, not yet in force:

  • New York: the Trapped at Work Act bans repayment agreements required as a condition of a job. It takes effect December 19, 2026, and covers new agreements and new or changed terms from that date. Sign-on bonus terms and tuition for a transferable credential can still be allowed under conditions, such as a separate contract and a prorated amount (NY DOL, read October 31, 2026).
  • California: AB 692 restricts stay-or-pay terms. AB 1697, signed into law September 30, 2026, moved the start to contracts made on or after January 1, 2027, with exceptions (California Legislature, read October 31, 2026).

Neither helps with an agreement you signed earlier. Ask legal aid: see free job help for where to start.

Current openings

Line up the next job before you leave if you can. See warehouse jobs, retail jobs and driver jobs. By city: driver jobs in Houston, retail in New York.

How to verify a listing

Every opening on JobPin links to its source posting. Confirm the pay, shift and start date on the employer's own site, and get an offer in writing before you give notice. Real employers never ask you to pay to start. More: job scam warning signs and how JobPin verifies listings.

How JobPin dates and sources listings: How JobPin verifies listings and events. Report a listing.

FAQ

Is two weeks' notice required by law?

Generally no. Without a contract for a set term, either side can end the job at any time (Georgia DOL, read October 31, 2026). A union contract, a contract for a set term or a handbook can add rules or consequences.

When will I get my last paycheck?

By the regular payday under federal rules (U.S. DOL). California, Colorado, Massachusetts, Texas and Arizona set shorter deadlines in some cases, mostly when you are fired.

Can my employer hold my check until I return my uniform?

Not in Texas or Washington, per their agencies. Federally, a deduction cannot cut your pay below minimum wage or overtime (DOL Fact Sheet 16). Other states vary, so ask.

Do I get paid for unused vacation?

In California, Colorado, Illinois and Massachusetts, earned vacation is owed. In New York, Texas and Washington, it depends on the policy or promise. Other states vary (state agencies, read October 31, 2026).

Can they fire me after I give notice?

Usually yes, in at-will jobs. Ask for the date and reason in writing. In Texas, accepting notice of 2 weeks or less early counts as a resignation (Texas Workforce Commission).

Will quitting affect unemployment?

Often yes. You usually must be out of work through no fault of your own (U.S. DOL). Your state decides. See unemployment benefits.

How much is COBRA?

Up to 102% of the plan's full cost (U.S. DOL). Compare a Marketplace plan first, and note the 60-day windows.

Last reviewed: October 31, 2026 by JobPin editorial team.

Sources

  • U.S. DOL, Last Paycheck (read October 31, 2026): https://www.dol.gov/general/topic/wages/lastpaycheck
  • U.S. DOL, Termination (read October 31, 2026): https://www.dol.gov/general/topic/termination
  • U.S. DOL, Handy Reference Guide to the FLSA (revised November 2023): https://www.dol.gov/agencies/whd/compliance-assistance/handy-reference-guide-flsa
  • U.S. DOL, Fact Sheet 16, Deductions From Wages (revised July 2009): https://www.dol.gov/agencies/whd/fact-sheets/16-flsa-wage-deductions
  • U.S. DOL, Continuation of Health Coverage (COBRA) (read October 31, 2026): https://www.dol.gov/general/topic/health-plans/cobra
  • U.S. DOL, A Worker's Guide to Health Benefits Under COBRA (read October 31, 2026): https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/workers-guide-health-benefits-cobra
  • U.S. DOL, How Do I File for Unemployment Insurance? (read October 31, 2026): https://www.dol.gov/general/topic/unemployment-insurance
  • Georgia DOL, Individuals FAQs, Fair Labor Standards Act (read October 31, 2026): https://dol.georgia.gov/faqs-individuals/individuals-faqs-fair-labor-standards-act
  • Georgia DOL, Individuals FAQs, Laws and Regulations (read October 31, 2026): https://dol.georgia.gov/faqs-individuals/individuals-faqs-laws-and-regulations
  • Texas Workforce Commission, Final Pay (read October 31, 2026): https://efte.twc.texas.gov/final_pay.html
  • Texas Workforce Commission, Types of Work Separations (read October 31, 2026): https://efte.twc.texas.gov/types_of_work_separations.html
  • A.R.S. 23-353 (read October 31, 2026): https://www.azleg.gov/ars/23/00353.htm
  • California Labor Commissioner, Paydays, pay periods, and the final wages (read October 31, 2026): https://www.dir.ca.gov/dlse/faq_paydays.htm
  • California Labor Commissioner, Vacation (read October 31, 2026): https://www.dir.ca.gov/dlse/faq_vacation.htm
  • Colorado Labor Standards, Normas Laborales en Espanol, final pay (read October 31, 2026): https://cdle.colorado.gov/dlss/presentar-quejas-y-recursos-adicionales
  • Colorado Labor Standards, INFO 3E, Payment of Earned Vacation (May 29, 2024): https://cdle.colorado.gov/sites/cdle/files/INFO %233E Payment of Earned Vacation upon Separation of Employment 5.29.2024 [accessible].pdf
  • Illinois Department of Labor, Wage Payment and Collection Act FAQ (read October 31, 2026): https://labor.illinois.gov/faqs/wage-payment-faq.html
  • Massachusetts Attorney General, Pay and recordkeeping (read October 31, 2026): https://www.mass.gov/guides/pay-and-recordkeeping
  • Massachusetts Attorney General, Breaks and time off, Vacation (read October 31, 2026): https://www.mass.gov/guides/breaks-and-time-off
  • New York DOL, Form LS 271 (read October 31, 2026): https://forms.labor.ny.gov/WP/LS271.pdf
  • New York DOL, Unpaid/Withheld Wages and Wage Supplements (read October 31, 2026): https://dol.ny.gov/unpaidwithheld-wages-and-wage-supplements
  • New York DOL, The Trapped at Work Act (read October 31, 2026): https://dol.ny.gov/legal/taw
  • New York Senate, S8822, signed by the Governor (read October 31, 2026): https://www.nysenate.gov/legislation/bills/2025/S8822
  • UPS, Warehouse Workers FAQ (read October 31, 2026): https://www.jobs-ups.com/us/en/warehouse-workers
  • California Legislature, AB 1697, chaptered September 30, 2026: https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202520260AB1697
  • California Legislature, AB 692: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260AB692
  • Washington L&I, Getting Paid (read October 31, 2026): https://www.lni.wa.gov/workers-rights/wages/getting-paid/

Related

  • Documents You Need to Start a Job: Form I-9, W-4, Direct Deposit, and What to Do if Something Is Lost
  • Break Laws by State: Who Must Give You a Meal or Rest Break, and What to Do if You Do Not Get One
  • Unpaid Wages: What to Do About Late Pay, Missing Overtime, Tip Theft and Misclassification
  • Unemployment Benefits While You Job Hunt: How to Apply, What You Can Get, and What to Do if You Are Denied
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