I've worked plenty that were entirely "use it or lose it" with your sick days, and all your days off. Most of them early in my career at low end jobs, but that's where most people work too.
In those situations, you are literally working for free at your most miserable for an entire shift for every sick day you don't take. Double so because most of those work places won't let you "burn off" those days at the end because of things like >3 needing doctor's notes.
Then you're risking actually getting seriously ill and losing your job because you took too many 'mental health' days.
You can save a lot of money by not paying insurance, stashing away the premiums instead, and hoping for the best. Your sick days at a shitty company like that are insurance against being fired, because you're easily replaceable at any company with that policy.
I've worked plenty that were entirely "use it or lose it" with your sick days, and all your days off. Most of them early in my career at low end jobs, but that's where most people work too.
In those situations, you are literally working for free at your most miserable for an entire shift for every sick day you don't take. Double so because most of those work places won't let you "burn off" those days at the end because of things like >3 needing doctor's notes.
Then you're risking actually getting seriously ill and losing your job because you took too many 'mental health' days.
You can save a lot of money by not paying insurance, stashing away the premiums instead, and hoping for the best. Your sick days at a shitty company like that are insurance against being fired, because you're easily replaceable at any company with that policy.