Need a Vacation?  Not taking one this year?  More than a third of American Workers will not take a vacation this year.  Vacation time for some has joined the ranks of gourmet coffee as it is an easy thing to strip from one’s household budget.

The trend for employers is to combine traditional sick/vacation/personal policies into one single PTO (paid time off) policy and letting the employee have the freedom to choose how their paid time off is used.

How do you handle those that are not using it all up?  Mandated Vacation Time?  Use It or Lose It? Carry Over? Short-Term Disability Bank? Convert to 401(k) contributions?  So many choices……