About Vitality Press

Who we are#

Vitality Press is an independent editorial team that publishes citation-rich, methodology-transparent decision calculators for the moments where one bad number costs a household real money — a severance offer, an ACA subsidy cliff, a homeowner-insurance Coverage A figure. We publish under a team byline rather than under individual names because the topics we cover (employment law, tax, insurance) carry real professional and personal exposure for the people who research them, and the work itself stands or falls on the primary sources cited on each page, not on the byline above them.

Vitality Press is an editorial imprint of Vitality SD.

Our publications#

• severancecalc.net — after-tax severance, WARN Act analysis, OWBPA review windows, COBRA cost, Section 280G flag, equity at termination.
• acacliff.com — ACA Premium Tax Credit cliff at 400% FPL, MAGI-reduction tactics, regime-aware (cliff vs IRA-enhanced smoothed).
• rebuildcostcalc.com — homeowners-insurance Coverage A sizing from public construction-cost data (NAHB, BLS PPI, Census ACS, ICC, FEMA), with Coverage B/C/D derivations.

Editorial standards#

Every numeric claim ties to a primary source — federal statute, IRS publication, agency document (DOL, EEOC, SSA, BLS, HHS, IRS, state revenue / insurance / labor department), or controlling case law. Where we paraphrase, we link the source so readers can compare. Where we quote statutory text, the quoted text is character-exact to the source as retrieved on the page's last-updated date. We do not copy-paste from third-party explanatory sites (law-firm marketing posts, generic insurance-industry blogs, broker landing pages); those are referenced only where they provide aggregated data that has no primary equivalent (KFF and CMS rate-filing aggregations for the ACA site, for example).

We do not publish AI-generated content as editorial without human review and primary-source verification on every numeric claim.

Corrections policy#

If you spot an error — a withholding rate off, a misattributed citation, a broken link, an outdated statute reference, a state WARN threshold that conflicts with a current state-labor-department publication — email hello@severancecalc.netwith the page URL and the source you'd like us to compare against. We aim to reply within one week and to issue the correction within two weeks of the report being verified. Confirmed corrections are logged on the Changelog page with the date of the fix and the cited primary source.

Update cadence (this site)#

• Federal supplemental withholding: annual on IRS Notice / Pub 15 publication (~December for next tax year).
• State supplemental withholding rates: annual; checked at the start of each tax year against state revenue-department publications.
• FICA / OASDI wage base: annual on SSA Contribution and Benefit Base announcement (~October).
• WARN thresholds and state mini-WARN statutes: quarterly check on state labor-department pages; updates rare.
• OWBPA review-window calculations: regulatory text is stable; cross-checked against EEOC guidance updates.
• Equity-comp sections (Sections 83, 280G, 409A, 421): annual review against IRS Pub / Reg updates.
• Non-compete enforceability map: quarterly, with rapid updates on state-statute changes.

Funding#

The site is funded by display advertising (see Privacy) and by relevant affiliate links on outbound references. When affiliate links are active, a script from our affiliate partner (Skimlinks) loads on each page and converts qualifying outbound links into tracked affiliate links. We do not sell legal services, accept referral fees from law firms or financial advisors, sell severance-package templates, or accept paid placement in our company directory. We do not pay for backlinks and we do not accept guest posts. Editorial decisions are independent of advertising and affiliate revenue. Ad placements are clearly labeled and run through standard publisher ad networks; we do not directly select advertisers.

Conflict of interest#

Vitality Press operates independently of any employer listed in the company directory, any law firm representing employees in severance negotiations, and any payroll- or benefits-administration vendor. No member of the editorial team holds licensing, employment, or equity in those categories. Our primary income source as a publisher is separate from any individual party we cite or discuss.

Contact#

Editorial questions: hello@severancecalc.net. For corrections, press inquiries, partnerships, or advertising, see the dedicated Contact page.