This morning when arrive to my job I’m going to be written up for not taking PTO at employer’s discretion. I’m taking a day here and there! After 10 years of being a model employee this is what it’s come to! Can’t use the insurance (denied twice in last 8 months for foot issue and spinal MRI), zero sick days & zero paid holidays! 61 YO just hoping to survive one more year and at least have SS as a possibility.