I just found out that I only have 40 hours of pto I can use for unexpected emergencies and anything after that would have consequences. Anyone else have a similar policy?

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What is your normal PTO schedule? As an example how many hours do you earn in a year. I earn 160 hours a year and also have 80hts of sick PTO a year. It also helps to know what state you live in? What does the company policy and or your contract say?

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