We all lose when employers have a paternalistic relationship with employees. It's better for everyone to keep things strictly transactional.

Nobody should be expecting their employer (or any second party, really) to be their income stream’s low pass filter. That’s what your savings account is for.

If you can’t support your family and mortgage through 6-9 months (minimum) out of savings, you shouldn’t have them because you can’t afford them.

(Also, mortgage term is irrelevant here, I’m not sure why you mention it. I would venture a guess that most 30 year mortgages end by being paid off at sale in less than 30 years. A 30 year mortgage doesn’t mean 30 years of mandatory payments, you can sell the place and move and pay off the mortgage at any time.)